Flood Insurance Implementation Reform Act of 2013

Summary: Flood Insurance Implementation Reform Act of 2013 - Delays until three years after enactment of this Act the requirement of the Biggert-Waters Flood Insurance Reform Act of 2012 (Biggert-Waters) that any property located in an area participating in the national flood insurance program have the risk premium rate charged for flood insurance on the property adjusted to accurately reflect its current risk of flood. Amends the National Flood Insurance Act of 1968 to delay until five years after enactment of Biggert-Waters the prohibition against provision to prospective insureds of flood insurance by the Federal Emergency Management Agency (FEMA) at (subsidy) rates less than full actuarial estimates for property purchased after enactment of Biggert-Waters. Prohibits FEMA, when determining whether a community has made adequate progress on flood protection improvement systems, from counting federal funding or participation in such efforts. Makes flood insurance available at certain special flood hazard area rates to riverine and coastal levees located in a community which FEMA has determined to be in the process of restoring a flood protection system previously accredited on a Flood Insurance Rate Map as providing 100-year frequency flood protection but which no longer does so. Requires such rates to apply without regard to the level of federal funding or participation. Amends Biggert-Waters to authorize FEMA to to use other funds in addition to those specified in that Act to carry out a specified affordability study. Requires FEMA, upon notice to certain congressional committees that it cannot submit the report on that study by the current deadline, to specify in such notice an alternative method of gathering the requisite information and subsequently to submit the information so gathered. Directs FEMA to: (1) identify, review, update, maintain and publish National Flood Insurance rate maps pertaining to areas protected by non-structural flood mitigation features; and (2) work with states, local communities, and property owners to identify such areas and features.

SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Flood Insurance Implementation 
Reform Act of 2013''.

SEC. 2. 3-YEAR DELAY IN IMPLEMENTATION OF REQUIRED PREMIUM ADJUSTMENT 
              UPON REMAPPING.

    Notwithstanding any other provision of law, subsection (h) of 
section 1308 of the National Flood Insurance Act of 1968 (42 U.S.C. 
4015(h)), as added by section 100207 of the Biggert-Waters Flood 
Insurance Reform Act of 2012 (Public Law 112-141; 126 Stat. 919), shall 
have no force or effect until the date that is 3 years after the date 
of the enactment of this Act.

SEC. 3. 5-YEAR DELAY IN IMPLEMENTATION OF FULL ACTUARIAL RATES FOR 
              NEWLY PURCHASED PROPERTIES.

    (a) Delayed Implementation.--Paragraph (2) of section 1307(g) of 
the National Flood Insurance Act of 1968 (42 U.S.C. 4014(g)(2)) is 
amended by inserting ``the expiration of the 5-year period that begins 
upon'' before ``the date of enactment of the Biggert-Waters Flood 
Insurance Reform Act of 2012''.
    (b) Treatment of Intervening Rate Increases.--The amendment made by 
subsection (a) shall be construed to require that, in the case of any 
property purchased after the date of the enactment of the Biggert-
Waters Flood Insurance Reform Act of 2012 but before the date of the 
enactment of this Act, any premium rate increase made with respect to 
such purchase pursuant to section 1307(g)(2) of the National Flood 
Insurance Act of 1968 be reversed.

SEC. 4. ADEQUATE PROGRESS ON CONSTRUCTION OF FLOOD PROTECTION SYSTEMS.

    Subsection (e) of section 1307 of the National Flood Insurance Act 
of 1968 (42 U.S.C. 4014(e)) is amended by adding after the period at 
the end the following: ``Notwithstanding any other provision of law, in 
determining whether a community has made adequate progress on the 
construction, reconstruction, or improvement of a flood protection 
system, the Administrator shall not consider the level of Federal 
funding of or participation in the construction, reconstruction, or 
improvement.''.

SEC. 5. COMMUNITIES RESTORING DISACCREDITED FLOOD PROTECTION SYSTEMS.

    Subsection (f) of section 1307 of the National Flood Insurance Act 
of 1968 (42 U.S.C. 4014(f)) is amended by striking the first sentence 
and inserting the following: ``Notwithstanding any other provision of 
law, this subsection shall apply to riverine and coastal levees, but 
only in a community which has been determined by the Administrator of 
the Federal Emergency Management Agency to be in the process of 
restoring flood protection afforded by a flood protection system that 
had been previously accredited on a Flood Insurance Rate Map as 
providing 100-year frequency flood protection but no longer does so, 
and shall apply without regard to the level of Federal funding of or 
participation in the construction, reconstruction, or improvement of 
the flood protection system.''.

SEC. 6. AFFORDABILITY STUDY.

    Section 100236 of the Biggert-Waters Flood Insurance Reform Act of 
2012 (Public Law 112-141; 126 Stat. 957) is amended--
            (1) in subsection (c), by striking ``Not'' and inserting 
        the following: ``Subject to subsection (e), not'';
            (2) in subsection (d)--
                    (A) by striking ``(d) Funding.--Notwithstanding'' 
                and inserting the following:
    ``(d) Funding.--
            ``(1) National flood insurance fund.--Notwithstanding''; 
        and
                    (B) by adding at the end the following:
            ``(2) Other funding sources.--To carry out this section, in 
        addition to the amount made available under paragraph (1), the 
        Administrator may use any other amounts that are available to 
        the Administrator.''; and
            (3) by adding at the end the following new subsection:
    ``(e) Alternative.--If the Administrator determines that the report 
required under subsection (c) cannot be submitted by the date specified 
under subsection (c)--
            ``(1) the Administrator shall notify, not later than 60 
        days after the date of enactment of this subsection, the 
        Committee on Banking, Housing, and Urban Affairs of the Senate 
        and the Committee on Financial Services of the House of 
        Representatives of an alternative method of gathering the 
        information required under this section;
            ``(2) the Administrator shall submit, not later than 180 
        days after the Administrator submits the notification required 
        under paragraph (1), to the Committee on Banking, Housing, and 
        Urban Affairs of the Senate and the Committee on Financial 
        Services of the House of Representatives the information 
        gathered using the alternative method described in paragraph 
        (1); and
            ``(3) upon the submission of information required under 
        paragraph (2), the requirement under subsection (c) shall be 
        deemed satisfied.''.

SEC. 7. MAPPING OF NON-STRUCTURAL FLOOD MITIGATION FEATURES.

    Section 100216 of the Biggert-Waters Flood Insurance Reform Act of 
2012 (42 U.S.C. 4101b) is amended--
            (1) in subsection (b)(1)(A)--
                    (A) in clause (iv), by striking ``and'' at the end;
                    (B) by redesignating clause (v) as clause (vi);
                    (C) by inserting after clause (iv) the following 
                new clause:
                            ``(v) areas that are protected by non-
                        structural flood mitigation features; and''; 
                        and
                    (D) in clause (vi) (as so redesignated), by 
                inserting before the semicolon at the end the 
                following: ``and by non-structural flood mitigation 
                features''; and
            (2) in subsection (d)(1)--
                    (A) by redesignating subparagraphs (A) through (C) 
                as subparagraphs (B) through (D), respectively; and
                    (B) by inserting before subparagraph (B) (as so 
                redesignated) the following new subparagraph:
                    ``(A) work with States, local communities, and 
                property owners to identify areas and features 
                described in subsection (b)(1)(A)(v);''.