With weather-related events costing the nation billions of dollars in damages over the past decade, private insurers have reacted to this increased liability by adjusting policies for many storm-prone areas in the United States. But according to a recent report by the Government Accountability Office, federal insurers have not adjusted their practices based on this increased risk. During today's OnPoint, John Stephenson, director of Natural Resources and Environment at the Government Accountability Office, discusses the report and his recent testimony before the House Select Committee on Energy Independence and Global Warming. Stephenson explains how federal and private insurers' approaches have differed and how changes to the insurance industry will affect consumers.