Jo Ann Howard, J.D.

Jo Ann Howard, J.D, President of H2O, is an attorney and former Administrator of the National Flood Insurance Program at FEMA Headquarters in Washington, D.C. She was responsible for the insurance and mitigation aspects of the federal government's requirements for participation in the program. Ms. Howard also serves as a member of the Advisory Board of Directors of the Association of State Floodplain Managers Foundation and is a former member of the State Board of Insurance (now, Texas Department of Insurance). She has worked as Chief Insurance Regulator for the State of Texas, Federal Insurance Administrator (National Flood Insurance Program) and consultant to many cities and counties across the state and Southwest for projects that include city and county planning. These services include a wide range of work with citizens in communities of all sizes in Texas and the Gulf Coast. As an Advisory Board member of the ASFPM, she is deeply involved in mitigation strategies across the United States and makes presentations regularly at seminars and meetings dealing with improving mitigation through a variety of means.