July 28, at a Senate Appropriations Subcommittee on Financial Services and General Government, Sen. Richard Durbin (D-IL) said the federal government needs to reassess the way it plans for natural disaster relief and analyzes the risks of natural disasters covered by federal insurance. Senator Durbin suggested cooperation with private insurers risk calculation methods which would free up funds to be appropriated for the National Flood Insurance Program, the Small Business Administration's disaster loan program, and other programs. Global warming will mean more frequent and more violent storms and droughts, as well as threats to coastal communities from rising sea levels, said witnesses testifying to the committee.