Consumer Federation of America presents its views on the current state of the insurance market for natural catastrophe coverage in response to your April 24, 2013 Federal Register Notice, “Study and Report to Congress on Natural Catastrophe Insurance.” There has never been a serious attempt to reform the current hodge-podge of insurance/mitigation that serves as our national Catastrophe System. We have federal flood insurance; state earthquake insurance in California and a weak private market elsewhere, semi-private wind insurance and weak mitigation of all such catastrophic risks.