I 

108TH CONGRESS 

1ST SESSION H. R. 1816

To amend the National Flood Insurance Act of 1968 to ensure homeowners 

are provided adequate notice of flood map changes and a fair opportunity 

to appeal such changes. 

IN THE HOUSE OF REPRESENTATIVES 

APRIL 11, 2003

Mr. STARK introduced the following bill; which was referred to the Committee 

on Financial Services 

A BILL

To amend the National Flood Insurance Act of 1968 to 

ensure homeowners are provided adequate notice of flood 

map changes and a fair opportunity to appeal such 

changes.

1 Be it enacted by the Senate and House of Representa2 tives of the United States of America in Congress assembled,

3 SECTION 1. SHORT TITLE. 

4 This Act may be cited as the ‘‘National Flood Insur5 ance Program Fairness Act’’. 
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1 SEC. 2. NOTIFICATION AND APPEAL OF MAP CHANGES. 

2 Subsection (h) of section 1360 of the National Flood 

3 Insurance Act of 1968 (42 U.S.C. 4101(h)) is amended 

4 to read as follows: 

5 ‘‘(h) NOTIFICATION AND APPEAL OF FLOOD MAP

6 CHANGES BY COMMUNITY.—

7 ‘‘(1) NOTIFICATION.—In the case of any change 

8 to flood insurance map panels, including any change 

9 in the form of a letter of map amendment or a letter 

10 of map revision, the Director shall provide notice of 

11 such change by—

12 ‘‘(A) providing the chief executive officer of 

13 each community affected by the change, by reg14 istered mail, a copy of the revised maps for 

15 such community and a statement explaining the 

16 process under this subsection to appeal to the 

17 Director for changes in such revised maps; and 

18 ‘‘(B) causing notice of such changes to be 

19 published in the Federal Register, which notice 

20 shall include information sufficient to identify 

21 the communities affected and the changes 

22 made, information explaining how to obtain 

23 copies of the changes and revisions, and a state24 ment explaining the process under this sub25 section to appeal to the Director for changes in 

26 such revised maps. 
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1 ‘‘(2) APPEALS.—With respect to any change to 

2 a flood insurance map panel, during the 30-day pe3 riod beginning upon the occurrence of the last of the 

4 actions required under subparagraphs (A) and (B) 

5 of paragraph (1), a community affected by the 

6 change may appeal the change by submitting an ob7 jection to the change, in writing, to the Director. 

8 Such an objection may provide additional evidence 

9 relating to the objection or a request for additional 

10 time to obtain information related to the objection. 

11 The right of a community to appeal a change to 

12 flood insurance map panels under this subsection 

13 shall be in addition to any right or opportunity for 

14 a community to appeal such a change under section 

15 1363. 

16 ‘‘(3) RESPONSE TO APPEAL.—During the 30-

17 day period that begins upon the receipt by the Di18 rector of an objection pursuant to paragraph (2), the 

19 Director shall determine whether to deny the objec20 tion, revise the changes to the flood insurance map 

21 panels in response to the objection, or to grant addi22 tional time to the community to obtain evidence re23 lated to the objection. Immediately upon making 

24 such determination, the Director shall notify the 
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1 chief executive officer of the community, in writing 

2 and by registered mail, of such determination. 

3 ‘‘(4) ADDITIONAL TIME.—If the Director grants 

4 a community additional time to obtain evidence re5 lated to the objection—

6 ‘‘(A) the notification pursuant to para7 graph (3) shall state the amount of time grant8 ed; and 

9 ‘‘(B) during the 30-day period beginning 

10 upon the earlier of the submission of such evi11 dence or the expiration of such additional time 

12 granted, the Director shall determine whether 

13 to deny the objection or revise the changes to 

14 flood insurance map panels in response to the 

15 objection. 

16 Immediately upon making such determination, the 

17 Director shall notify the chief executive officer of the 

18 community, in writing and by registered mail, of 

19 such determination. 

20 ‘‘(5) NOTIFICATION TO HOMEOWNERS.—

21 ‘‘(A) IN GENERAL.—Not later than 30 

22 days after any final determination described in 

23 subparagraph (B), the Director shall, by first 

24 class mail, provide written notification, to each 

25 owner of real property affected by the change to
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1 flood insurance map panels resulting from such 

2 determination, of—

3 ‘‘(i) the status of such property with 

4 respect to flood zone and flood insurance 

5 purchase requirements under this Act and 

6 the Flood Disaster Protection Act of 1973; 

7 and 

8 ‘‘(ii) information regarding how and 

9 where to obtain any coverage required and 

10 the estimated cost of such coverage. 

11 ‘‘(B) FINAL DETERMINATIONS.—A final 

12 determination described in this subparagraph 

13 is—

14 ‘‘(i) the expiration of the period under 

15 paragraph (2) without receipt by the Di16 rector of an objection in accordance with 

17 such paragraph; 

18 ‘‘(ii) a determination pursuant to 

19 paragraph (3) or (4)(B) to deny an objec20 tion; or 

21 ‘‘(iii) a determination pursuant to 

22 paragraph (3) or (4)(B) to revise the 

23 changes to flood insurance map panels in 

24 response to the objection in a manner such
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1 that such panels are altered from the pan2 els in effect before such changes. 

3 ‘‘(6) EFFECTIVE DATE OF CHANGES.—A 

4 change to a flood insurance map panel shall take ef5 fect—

6 ‘‘(A) with respect to any property for 

7 which such change results in the initial applica8 bility of any requirement under this Act or the 

9 Flood Disaster Protection Act of 1973 to pur10 chase flood insurance for the property, upon the 

11 expiration of the 6-month period beginning 

12 upon the date that notice under paragraph (5) 

13 is mailed to the owner of such property; and 

14 ‘‘(B) with respect to any property for 

15 which such change results in elimination of any 

16 such purchase requirement or decreases the 

17 cost of coverage required, immediately upon the 

18 final determination under paragraph (5) re19 garding such change.’’. 

20 SEC. 3. REIMBURSEMENT OF PROPERTY OWNERS FOR 

21 COSTS INCURRED IN REQUESTS TO REMOVE 

22 PROPERTY FROM BASE FLOOD ELEVATIONS. 

23 Section 1360 of the National Flood Insurance Act of 

24 1968 (42 U.S.C. 4101) is amended by adding at the end 

25 the following new subsection: 
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1 ‘‘(k) REIMBURSEMENT OF PROPERTY OWNERS FOR

2 COSTS INCURRED IN REQUESTS TO REMOVE PROPERTY

3 FROM BASE FLOOD ELEVATIONS.—If an owner of a real 

4 property incurs expense in connection with the services of 

5 surveyors, engineers, or similar services, but not including 

6 legal services, in effecting any request to the Director to 

7 remove the property from inclusion within the base flood 

8 elevations established under flood insurance map panels, 

9 and the Director grants such request in whole or in part, 

10 the Director shall reimburse such individual for such ex11 pense. The amount of such reimbursement shall be deter12 mined by the Director, based on the ratio of the successful 

13 portion of the request as compared to the entire request. 

14 The Director shall apply such ratio to the average cost 

15 of such services in the community for jobs of a similar 

16 size.’’. 

17 SEC. 4. NOTIFICATION OF ESTABLISHMENT OF FLOOD ELE18 VATIONS. 

19 Section 1363 of the National Flood Insurance Act of 

20 1968 (42 U.S.C. 4104) is amended by striking the section 

21 designation and all that follows through the end of sub22 section (a) and inserting the following: 

23 ‘‘SEC. 1363. (a) In establishing projected flood ele24 vations for land use purposes with respect to any commu-
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1 nity pursuant to section 1361, the Director shall first pro2 pose such determinations—

3 ‘‘(1) by providing the chief executive officer of 

4 each community affected by the proposed elevations, 

5 by registered mail, notice of the elevations, including 

6 a copy of the maps for the elevations for such com7 munity and a statement explaining the process 

8 under this section to appeal for changes in such ele9 vations; 

10 ‘‘(2) by causing notice of such elevations to be 

11 published in the Federal Register, which notice shall 

12 include information sufficient to identify the ele13 vation determinations and the communities affected, 

14 information explaining how to obtain copies of the 

15 elevations, and a statement explaining the process 

16 under this section to appeal for changes in the ele17 vations; and 

18 ‘‘(3) by publishing the elevations in a prominent 

19 local newspaper.’’.

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