Post Office Box 160130,  Austin,Texas78716

Phone (512) 731-0911; (512) 731-0911

Electronic Mail:


 UniversityofTexasSchoolofLaw,Austin,Texas– Juris Doctorate

EastTexasStateUniversity,Texarkana,Texas? M.A. in Public Administration

AbileneChristianUniversity,Abilene,Texas? B.S. in Education

Legal & Professional Experience

President, H2O Partners, Inc.-present

Federal Insurance Administrator, Federal Emergency Management Agency (FEMA) 1998-2001

Jo Ann Howard & Associates, P.C. Law Firm,AustinandTexarkana,Texas, President 1992-1997

Clark Thomas Winters & Newton Law Firm, Associate, 1988

Member, State Board of Insurance (now, Texas Department of Insurance) 1989-1991 (chief regulator)

Young Folsom & Patton Law Firm,Texarkana,Texas, Associate 1987-1988

United StatesDistrict Court, Western District ofTexas, Intern 1986

University ofTexasSchoolof Law Teaching Quizmaster, Student Instructor of Legal Research & Legal Writing

TexarkanaCourt of Civil Appeals, Intern 1987

Special Deputy Receiver and Legal Counsel for: National County Mutual Fire Insurance Company, Insurance Corporation ofAmericaand Guaranty County Mutual Fire Insurance Company 1992-1997

Civic and Professional Organizations

Vice-President                      Natural Hazards Mitigation Association (NHMA)

Charter Member                   International Association of Insurance Receivers

Member                                 Advisory Board ,Association of State Flood Plain Managers Foundation (ASFPM)

Member                                 StateBar of Arkansas,TexasandDistrict of Columbia

Member                                State Bar ofTexas

Member                                Governor’s Task Force for Women & Minorities

Member                                Phi Alpha Delta Law Fraternity

Member                               TexasHealth Care Anti?Fraud Association

Member                               TexasWomen’sAlliance

Member                                TravisCountyWomen Lawyer’s Association

Participant                             LeadershipAmericaand LeadershipTexas

Member                                 Dean’s Roundtable, University of Texas School of Law

Member                              Advisory Board of theTexasCenterfor Legal Ethics

Associate Member               Society of Financial Examiners

Mrs. Howard was appointed as Federal Insurance Administrator at the Federal Emergency Management Agency (FEMA) in March 1998 by President Bill Clinton.  Serving as the Administrator of the flood program, she was responsible for managing the more than $523 billion of flood insurance in force in the National Flood Insurance Program (NFIP).  After returning toTexasin March 2001, Jo Ann Howard established H2O Partners, Inc. inAustin,Texas.  H2O Partners is a firm consulting in flood insurance, hazard mitigation planning, disaster protection and recovery, Public Assistance, HUD programs, homeland infrastructure security, and floodplain management issues.

H2O Partners has worked in the all-hazards area with developing hazard mitigation plans for over 150 counties and 400 cities inTexasand assisting Public Assistance Applicants (cities, counties, states) inLouisiana,Texas, andMississippi.The firm was selected by the State ofTexasfor its Community Assistance Visits and to teach Floodplain 101.  In September 2008, H2O began work as a FEMA contractor to deliver NFIP Training nationwide to agents, lenders and adjusters nationwide

Prior to her tenure at FEMA, she served as a gubernatorial appointee to head the Texas Department of Insurance as chief insurance regulator for the State ofTexas.  And, as a member of the National Association of Insurance Commissioners (NAIC), Jo Ann served as chair of the Federal Legislation Working Group and Vice Chair of the State and Federal Health Insurance Legislative Policy Task Force.

(.doc) [pdf]