Environmental Issues, FEMA, National Flood Insurance Program Witless Policy and the Barrier Islands by richards • January 5, 2014 • Comments Off on Witless Policy and the Barrier Islands William J. Siffin, BUREAUCRACY, ENTREPRENEURSHIP, AND NATURAL RESOURCES: Witless Policy and the Barrier Islands, 1 Cato Journal 291 (1981} A good, early review of the unintended consequences of the National Flood Insurance Program.