113TH CONGRESS 

2D SESSION H. R. 3370 

AN ACT 

To delay the implementation of certain provisions of the 

Biggert-Waters Flood Insurance Reform Act of 2012, 

and for other purposes. 

1 Be it enacted by the Senate and House of Representa2 tives of the United States of America in Congress assembled, 
2 

•HR 3370 EH

1 SECTION 1. SHORT TITLE AND TABLE OF CONTENTS. 

2 (a) SHORT TITLE.—This Act may be cited as the 

3 ‘‘Homeowner Flood Insurance Affordability Act of 2014’’. 

4 (b) TABLE OF CONTENTS.—The table of contents for 

5 this Act is as follows: 

Sec. 1. Short title and table of contents. 

Sec. 2. Definitions. 

Sec. 3. Repeal of certain rate increases. 

Sec. 4. Restoration of grandfathered rates. 

Sec. 5. Requirements regarding annual rate increases. 

Sec. 6. Clarification of rates for properties newly mapped into areas with special flood hazards. 

Sec. 7. Premiums and reports. 

Sec. 8. Annual premium surcharge. 

Sec. 9. Draft affordability framework. 

Sec. 10. Risk transfer. 

Sec. 11. Monthly installment payment for premiums. 

Sec. 12. Optional high-deductible policies for residential properties. 

Sec. 13. Exclusion of detached structures from mandatory purchase requirement. 

Sec. 14. Accounting for flood mitigation activities in estimates of premium 

rates. 

Sec. 15. Home improvement fairness. 

Sec. 16. Affordability study and report. 

Sec. 17. Flood insurance rate map certification. 

Sec. 18. Funds to reimburse homeowners for successful map appeals. 

Sec. 19. Flood protection systems. 

Sec. 20. Quarterly reports regarding Reserve Fund ratio. 

Sec. 21. Treatment of floodproofed residential basements. 

Sec. 22. Exemption from fees for certain map change requests. 

Sec. 23. Study of voluntary community-based flood insurance options. 

Sec. 24. Designation of flood insurance advocate. 

Sec. 25. Exceptions to escrow requirement for flood insurance payments. 

Sec. 26. Flood mitigation methods for buildings. 

Sec. 27. Mapping of non-structural flood mitigation features. 

Sec. 28. Clear communications. 

Sec. 29. Protection of small businesses, non-profits, houses of worship, and 

residences. 

Sec. 30. Mapping. 

Sec. 31. Disclosure. 

6 SEC. 2. DEFINITIONS. 

7 For purposes of this title, the following definitions 

8 shall apply: 
3 

•HR 3370 EH

1 (1) ADMINISTRATOR.—The term ‘‘Adminis2 trator’’ means the Administrator of the Federal 

3 Emergency Management Agency. 

4 (2) NATIONAL FLOOD INSURANCE PROGRAM.— 

5 The term ‘‘National Flood Insurance Program’’ 

6 means the program established under the National 

7 Flood Insurance Act of 1968 (42 U.S.C. 4001 et 

8 seq.). 

9 SEC. 3. REPEAL OF CERTAIN RATE INCREASES. 

10 (a) REPEAL.— 

11 (1) IN GENERAL.—Section 1307(g) of the Na12 tional Flood Insurance Act of 1968 (42 U.S.C. 

13 4014(g)) is amended— 

14 (A) by striking paragraphs (1) and (2); 

15 (B) in paragraph (3), by striking ‘‘as a re16 sult of the deliberate choice of the holder of 

17 such policy’’ and inserting ‘‘, unless the decision 

18 of the policy holder to permit a lapse in flood 

19 insurance coverage was as a result of the prop20 erty covered by the policy no longer being re21 quired to retain such coverage’’; and 

22 (C) by redesignating paragraphs (3) and 

23 (4) as paragraphs (1) and (2), respectively. 

24 (2) EFFECTIVE DATE.—The Administrator 

25 shall make available such rate tables, as necessary to 
4 

•HR 3370 EH

1 implement the amendments made by paragraph (1) 

2 as if it were enacted as part of the Biggert-Waters 

3 Flood Insurance Reform Act of 2012 (Public Law 

4 112–141; 126 Stat. 957). 

5 (3) IMPLEMENTATION, COORDINATION, AND

6 GUIDANCE.— 

7 (A) FACILITATION OF TIMELY REFUNDS.— 

8 To ensure the participation of Write Your Own 

9 companies (as such term is defined in section 

10 100202(a) of the Biggert-Waters Flood Insur11 ance Reform Act of 2012 (42 U.S.C. 4004(a)), 

12 the Administrator and the Federal Emergency 

13 Management Agency shall consult with Write 

14 Your Own companies throughout the develop15 ment of guidance and rate tables necessary to 

16 implement the provisions of and the amend17 ments made by this Act. 

18 (B) IMPLEMENTATION AND GUIDANCE.— 

19 The Administrator shall issue final guidance 

20 and rate tables necessary to implement the pro21 visions of and the amendments made by this 

22 Act not later than eight months following the 

23 date of the enactment of this Act. Write Your 

24 Own companies, in coordination with the Fed25 eral Emergency Management Agency, shall 
5 

•HR 3370 EH

1 have not less than six months but not more 

2 than eight months following the issuance of 

3 such final guidance and rate tables to imple4 ment the changes required by such final guid5 ance and rate tables. 

6 (4) REFUND OF EXCESS PREMIUM CHARGES

7 COLLECTED.—The Administrator shall refund di8 rectly to insureds any premiums for flood insurance 

9 coverage under the National Flood Insurance Pro10 gram collected in excess of the rates required under 

11 the provisions of and amendments made by this sec12 tion. To allow for necessary and appropriate imple13 mentation of such provisions and amendments, any 

14 premium changes necessary to implement such pro15 visions and amendments, including any such pre16 mium refund due to policy holders, which shall be 

17 paid directly by the National Flood Insurance Pro18 gram, shall not be charged or paid to policyholders 

19 by the National Flood Insurance Program until after 

20 the Administrator issues guidance and makes avail21 able such rate tables to implement the provisions of 

22 and amendments made by this Act. 

23 (b) ASSUMPTION OF POLICIES AT EXISTING PRE24 MIUM RATES.—The Administrator shall provide that the 

25 purchaser of a property that, as of the date of such pur-
6 

•HR 3370 EH

1 chase, is covered under an existing flood insurance policy 

2 under this title may assume such existing policy and cov3 erage for the remainder of the term of the policy at the 

4 chargeable premium rates under such existing policy. Such 

5 rates shall continue with respect to such property until 

6 the implementation of subsection (a). 

7 SEC. 4. RESTORATION OF GRANDFATHERED RATES. 

8 (a) IN GENERAL.—Section 1308 of the National 

9 Flood Insurance Act of 1968 (42 U.S.C. 4015) is amend10 ed— 

11 (1) by striking subsection (h); and 

12 (2) by redesignating subsection (i) as subsection 

13 (h). 

14 (b) EFFECTIVE DATE.—The amendments made by 

15 subsection (a) shall take effect as if enacted as part of 

16 the Biggert-Waters Flood Insurance Reform Act of 2012 

17 (Public Law 112–141; 126 Stat. 957). 

18 SEC. 5. REQUIREMENTS REGARDING ANNUAL RATE IN19 CREASES. 

20 Section 1308(e) of the National Flood Insurance Act 

21 of 1968 (42 U.S.C. 4015(e)) is amended— 

22 (1) in the matter preceding paragraph (1), by 

23 striking ‘‘, the chargeable risk premium rates for 

24 flood insurance under this title for any properties’’; 
7 

•HR 3370 EH

1 (2) in paragraph (1), by inserting ‘‘the charge2 able risk premium rates for flood insurance under 

3 this title for any properties’’ before ‘‘within any’’; 

4 (3) in paragraph (2), by inserting ‘‘the charge5 able risk premium rates for flood insurance under 

6 this title for any properties’’ before ‘‘described in’’; 

7 (4) by redesignating paragraphs (1) and (2), as 

8 so amended, as paragraphs (3) and (4), respectively; 

9 and 

10 (5) by inserting before paragraph (3), as so re11 designated, the following new paragraphs: 

12 ‘‘(1) the chargeable risk premium rate for flood 

13 insurance under this title for any property may not 

14 be increased by more than 18 percent each year, ex15 cept— 

16 ‘‘(A) as provided in paragraph (4); 

17 ‘‘(B) in the case of property identified 

18 under section 1307(g); or 

19 ‘‘(C) in the case of a property that— 

20 ‘‘(i) is located in a community that 

21 has experienced a rating downgrade under 

22 the community rating system program car23 ried out under section 1315(b); 

24 ‘‘(ii) is covered by a policy with re25 spect to which the policyholder has— 
8 

•HR 3370 EH

1 ‘‘(I) decreased the amount of the 

2 deductible; or 

3 ‘‘(II) increased the amount of 

4 coverage; or 

5 ‘‘(iii) was misrated; 

6 ‘‘(2) the chargeable risk premium rates for 

7 flood insurance under this title for any properties 

8 initially rated under section 1307(a)(2) within any 

9 single risk classification, excluding properties for 

10 which the chargeable risk premium rate is not less 

11 than the applicable estimated risk premium rate 

12 under section 1307(a)(1), shall be increased by an 

13 amount that results in an average of such rate in14 creases for properties within the risk classification 

15 during any 12-month period of not less than 5 per16 cent of the average of the risk premium rates for 

17 such properties within the risk classification upon 

18 the commencement of such 12-month period;’’; 

19 (6) in paragraph (3) (as so redesignated by 

20 paragraph (4) of this section), by striking ‘‘20 per21 cent’’ and inserting ‘‘15 percent’’; and 

22 (7) in paragraph (4) (as so redesignated) by 

23 paragraph (4) of this section), by striking ‘‘para24 graph (1)’’ and inserting ‘‘paragraph (3)’’. 
9 

•HR 3370 EH

1 SEC. 6. CLARIFICATION OF RATES FOR PROPERTIES 

2 NEWLY MAPPED INTO AREAS WITH SPECIAL 

3 FLOOD HAZARDS. 

4 Section 1308 of the National Flood Insurance Act of 

5 1968 (42 U.S.C. 4015), as amended by the preceding pro6 visions of this Act, is further amended by adding at the 

7 end the following new subsection: 

8 ‘‘(i) RATES FOR PROPERTIES NEWLY MAPPED INTO

9 AREAS WITH SPECIAL FLOOD HAZARDS.—Notwith10 standing subsection (f), the premium rate for flood insur11 ance under this title that is purchased on or after the date 

12 of the enactment of this subsection— 

13 ‘‘(1) on a property located in an area not pre14 viously designated as having special flood hazards 

15 and that, pursuant to any issuance, revision, updat16 ing, or other change in a flood insurance map, be17 comes designated as such an area; and 

18 ‘‘(2) where such flood insurance premium rate 

19 is calculated under subsection (a)(1) of section 1307 

20 (42 U.S.C. 4014(a)(1)), 

21 shall for the first policy year be the preferred risk pre22 mium for the property and upon renewal shall be cal23 culated in accordance with subsection (e) of this section 

24 until the rate reaches the rate calculated under subsection 

25 (a)(1) of section 1307.’’. 
10 

•HR 3370 EH

1 SEC. 7. PREMIUMS AND REPORTS. 

2 Section 1308 of the National Flood Insurance Act of 

3 1968 (42 U.S.C. 4015), as amended by the preceding pro4 visions of this Act, is further amended by adding at the 

5 end the following new subsection: 

6 ‘‘(j) PREMIUMS AND REPORTS.—In setting premium 

7 risk rates, in addition to striving to achieve the objectives 

8 of this title the Administrator shall also strive to minimize 

9 the number of policies with annual premiums that exceed 

10 one percent of the total coverage provided by the policy. 

11 For any policies premiums that exceed this one percent 

12 threshold, the Administrator shall report such exceptions 

13 to the Committee on Financial Services of the House of 

14 Representatives and the Committee on Banking, Housing, 

15 and Urban Affairs of the Senate.’’. 

16 SEC. 8. ANNUAL PREMIUM SURCHARGE. 

17 (a) PREMIUM SURCHARGE.—Chapter I of the Na18 tional Flood Insurance Act of 1968 (42 U.S.C. 4011 et 

19 seq.) is amended by inserting after section 1308 the fol20 lowing new section: 

21 ‘‘SEC. 1308A. PREMIUM SURCHARGE. 

22 ‘‘(a) IMPOSITION AND COLLECTION.—The Adminis23 trator shall impose and collect an annual surcharge, in the 

24 amount provided in subsection (b), on all policies for flood 

25 insurance coverage under the National Flood Insurance 

26 Program that are newly issued or renewed after the date 
11 

•HR 3370 EH

1 of the enactment of this section. Such surcharge shall be 

2 in addition to the surcharge under section 1304(b) and 

3 any other assessments and surcharges applied to such cov4 erage. 

5 ‘‘(b) AMOUNT.—The amount of the surcharge under 

6 subsection (a) shall be— 

7 ‘‘(1) $25, except as provided in paragraph (2); 

8 and 

9 ‘‘(2) $250, in the case of a policy for any prop10 erty that is— 

11 ‘‘(A) a non-residential property; or 

12 ‘‘(B) a residential property that is not the 

13 primary residence of an individual. 

14 ‘‘(c) TERMINATION.—Subsections (a) and (b) shall 

15 cease to apply on the date on which the chargeable risk 

16 premium rate for flood insurance under this title for each 

17 property covered by flood insurance under this title, other 

18 than properties for which premiums are calculated under 

19 subsection (e) or (f) of section 1307 or section 1336 of 

20 this Act (42 U.S.C. 4014, 4056) or under section 100230 

21 of the Biggert-Waters Flood Insurance Reform Act of 

22 2012 (42 U.S.C. 4014 note), is not less than the applica23 ble estimated risk premium rate under section 1307(a)(1) 

24 for such property.’’. 
12 

•HR 3370 EH

1 (b) DEPOSIT IN RESERVE FUND.—Subsection (c) of 

2 section 1310A of the National Flood Insurance Act of 

3 1968 (42 U.S.C. 4017a) is amended by adding at the end 

4 the following new paragraph: 

5 ‘‘(4) DEPOSIT OF PREMIUM SURCHARGES.—The 

6 Administrator shall deposit in the Reserve Fund any 

7 surcharges collected pursuant to section 1308A.’’. 

8 SEC. 9. DRAFT AFFORDABILITY FRAMEWORK. 

9 (a) IN GENERAL.—The Administrator shall prepare 

10 a draft affordability framework that proposes to address, 

11 via programmatic and regulatory changes, the issues of 

12 affordability of flood insurance sold under the National 

13 Flood Insurance Program, including issues identified in 

14 the affordability study required under section 100236 of 

15 the Bigger-Waters Flood Insurance Reform Act of 2012 

16 (Public Law 112–141; 126 Stat. 957). 

17 (b) CRITERIA.—In carrying out the requirements 

18 under subsection (a), the Administrator shall consider the 

19 following criteria: 

20 (1) Accurate communication to consumers of 

21 the flood risk associated with their properties. 

22 (2) Targeted assistance to flood insurance pol23 icy holders based on their financial ability to con24 tinue to participate in the National Flood Insurance 

25 Program. 
13 

•HR 3370 EH

1 (3) Individual or community actions to mitigate 

2 the risk of flood or lower the cost of flood insurance. 

3 (4) The impact of increases in risk premium 

4 rates on participation in the National Flood Insur5 ance Program. 

6 (5) The impact flood insurance rate map up7 dates have on the affordability of flood insurance. 

8 (c) DEADLINE FOR SUBMISSION.—Not later than 18 

9 months after the date on which the Administrator submits 

10 the affordability study referred to in subsection (a), the 

11 Administrator shall submit to the full Committee on 

12 Banking, Housing, and Urban Affairs and the full Com13 mittee on Appropriations of the Senate and the full Com14 mittee on Financial Services and the full Committee on 

15 Appropriations of the House of Representatives the draft 

16 affordability framework required under subsection (a). 

17 (d) INTERAGENCY AGREEMENTS.—The Adminis18 trator may enter into an agreement with another Federal 

19 agency to— 

20 (1) complete the affordability study referred to 

21 in subsection (a); or 

22 (2) prepare the draft affordability framework 

23 required under subsection (a). 

24 (e) RULE OF CONSTRUCTION.—Nothing in this sec25 tion shall be construed to provide the Administrator with 
14 

•HR 3370 EH

1 the authority to provide assistance to homeowners based 

2 on affordability that was not available prior to the enact3 ment of the Biggert-Waters Flood Insurance Reform Act 

4 of 2012 (Public Law 112–141; 126 Stat. 916). 

5 SEC. 10. RISK TRANSFER. 

6 Section 1345 of the National Flood Insurance Act of 

7 1968 (42 U.S.C. 4081) is amended by adding at the end 

8 the following new subsection: 

9 ‘‘(e) RISK TRANSFER.—The Administrator may se10 cure reinsurance of coverage provided by the flood insur11 ance program from the private reinsurance and capital 

12 markets at rates and on terms determined by the Adminis13 trator to be reasonable and appropriate, in an amount suf14 ficient to maintain the ability of the program to pay 

15 claims.’’. 

16 SEC. 11. MONTHLY INSTALLMENT PAYMENT FOR PRE17 MIUMS. 

18 (a) IN GENERAL.—Subsection (g) of section 1308 of 

19 the National Flood Insurance Act of 1968 (42 U.S.C. 

20 4015(g)) is amended by striking ‘‘either annually or in 

21 more frequent installments’’ and inserting ‘‘annually or 

22 monthly’’. 

23 (b) IMPLEMENTATION.—The Administrator shall im24 plement the requirement under section 1308(g) of the Na25 tional Flood Insurance Act of 1968, as amended by sub-
15 

•HR 3370 EH

1 section (a), not later than the expiration of the 18-month 

2 period beginning on the date of the enactment of this Act. 

3 SEC. 12. OPTIONAL HIGH-DEDUCTIBLE POLICIES FOR RESI4 DENTIAL PROPERTIES. 

5 Section 1306 of the National Flood Insurance Act of 

6 1968 (42 U.S.C. 4013)), as amended by the preceding 

7 provisions of this Act, is further amended by adding at 

8 the end the following new subsection: 

9 ‘‘(e) OPTIONAL HIGH-DEDUCTIBLE POLICIES FOR

10 RESIDENTIAL PROPERTIES.— 

11 ‘‘(1) AVAILABILITY.—In the case of residential 

12 properties, the Administrator shall make flood insur13 ance coverage available, at the option of the insured, 

14 that provides for a loss-deductible for damage to the 

15 covered property in various amounts, up to and in16 cluding $10,000. 

17 ‘‘(2) DISCLOSURE.— 

18 ‘‘(A) FORM.—The Administrator shall pro19 vide the information described in subparagraph 

20 (B) clearly and conspicuously on the application 

21 form for flood insurance coverage or on a sepa22 rate form, segregated from all unrelated infor23 mation and other required disclosures. 

24 ‘‘(B) INFORMATION.—The information de25 scribed in this subparagraph is— 
16 

•HR 3370 EH

1 ‘‘(i) information sufficient to inform 

2 the applicant of the availability of the cov3 erage option required by paragraph (1) to 

4 applicants for flood insurance coverage; 

5 and 

6 ‘‘(ii) a statement explaining the effect 

7 of a loss-deductible and that, in the event 

8 of an insured loss, the insured is respon9 sible out-of-pocket for losses to the extent 

10 of the deductible selected.’’. 

11 SEC. 13. EXCLUSION OF DETACHED STRUCTURES FROM 

12 MANDATORY PURCHASE REQUIREMENT. 

13 (a) EXCLUSION.—Subsection (c) of section 102 of the 

14 Flood Disaster Protection Act of 1973 (42 U.S.C. 

15 4012a(c)) is amended by adding at the end the following 

16 new paragraph: 

17 ‘‘(3) DETACHED STRUCTURES.—Notwith18 standing any other provision of this section, flood in19 surance shall not be required, in the case of any res20 idential property, for any structure that is a part of 

21 such property but is detached from the primary resi22 dential structure of such property and does not serve 

23 as a residence.’’. 
17 

•HR 3370 EH

1 (b) RESPA STATEMENT.—Section 5(b) of the Real 

2 Estate Settlement Procedures Act of 1974 (12 U.S.C. 

3 2604(b)) is amended— 

4 (1) in paragraph (14), by inserting before the 

5 period at the end the following: ‘‘, and the following 

6 statement: ‘Although you may not be required to 

7 maintain flood insurance on all structures, you may 

8 still wish to do so, and your mortgage lender may 

9 still require you to do so to protect the collateral se10 curing the mortgage. If you choose to not maintain 

11 flood insurance on a structure, and it floods, you are 

12 responsible for all flood losses relating to that struc13 ture.’ ’’; and 

14 (2) by transferring and inserting paragraph 

15 (14), as so amended, after paragraph (13). 

16 SEC. 14. ACCOUNTING FOR FLOOD MITIGATION ACTIVITIES 

17 IN ESTIMATES OF PREMIUM RATES. 

18 Subparagraph (A) of section 1307(a)(1) of the Na19 tional Flood Insurance Act of 1968 (42 U.S.C. 

20 4014(a)(1)(A)) is amended to read as follows: 

21 ‘‘(A) based on consideration of— 

22 ‘‘(i) the risk involved and accepted ac23 tuarial principles; and 

24 ‘‘(ii) the flood mitigation activities 

25 that an owner or lessee has undertaken on 
18 

•HR 3370 EH

1 a property, including differences in the risk 

2 involved due to land use measures, 

3 floodproofing, flood forecasting, and simi4 lar measures,’’. 

5 SEC. 15. HOME IMPROVEMENT FAIRNESS. 

6 Section 1307(a)(2)(E)(ii) of the National Flood In7 surance Act of 1968 (42 U.S.C. 4014(a)(2)(E)(ii)) is 

8 amended by striking ‘‘30 percent’’ and inserting ‘‘50 per9 cent’’. 

10 SEC. 16. AFFORDABILITY STUDY AND REPORT. 

11 (a) STUDY ISSUES.—Subsection (a) of section 

12 100236 of the Biggert-Waters Flood Insurance Reform 

13 Act of 2012 (Public Law 112–141; 126 Stat. 957) is 

14 amended— 

15 (1) in paragraph (3), by striking ‘‘and’’ at the 

16 end; 

17 (2) in paragraph (4), by striking the period at 

18 the end and inserting a semicolon; and 

19 (3) by adding at the end the following new 

20 paragraphs: 

21 ‘‘(5) options for maintaining affordability if an22 nual premiums for flood insurance coverage were to 

23 increase to an amount greater than 2 percent of the 

24 liability coverage amount under the policy, including 
19 

•HR 3370 EH

1 options for enhanced mitigation assistance and 

2 means-tested assistance; 

3 ‘‘(6) the effects that the establishment of catas4 trophe savings accounts would have regarding long5 term affordability of flood insurance coverage; and 

6 ‘‘(7) options for modifying the surcharge under 

7 1308A, including based on homeowner income, prop8 erty value or risk of loss.’’. 

9 (b) TIMING OF SUBMISSION.—Notwithstanding the 

10 deadline under section 100236(c) of the Biggert-Waters 

11 Flood Insurance Reform Act of 2012 (Public Law 112– 

12 141; 126 Stat. 957), not later than 18 months after the 

13 date of enactment of this Act, the Administrator shall sub14 mit to the full Committee on Banking, Housing, and 

15 Urban Affairs and the full Committee on Appropriations 

16 of the Senate and the full Committee on Financial Serv17 ices and the full Committee on Appropriations of the 

18 House of Representatives the affordability study and re19 port required under such section 100236. 

20 (c) AFFORDABILITY STUDY FUNDING.—Section 

21 100236(d) of the Biggert-Waters Flood Insurance Reform 

22 Act of 2012 (Public Law 112–141; 126 Stat. 957) is 

23 amended by striking ‘‘$750,000’’ and inserting 

24 ‘‘$2,500,000’’. 
20 

•HR 3370 EH

1 SEC. 17. FLOOD INSURANCE RATE MAP CERTIFICATION. 

2 The Administrator shall implement a flood mapping 

3 program for the National Flood Insurance Program, only 

4 after review by the Technical Mapping Advisory Council, 

5 that, when applied, results in technically credible flood 

6 hazard data in all areas where Flood Insurance Rate Maps 

7 are prepared or updated, shall certify in writing to the 

8 Congress when such a program has been implemented, 

9 and shall provide to the Congress the Technical Mapping 

10 Advisory Council review report. 

11 SEC. 18. FUNDS TO REIMBURSE HOMEOWNERS FOR SUC12 CESSFUL MAP APPEALS. 

13 (a) IN GENERAL.—Section 1363(f) of the National 

14 Flood Insurance Act of 1968 (42 U.S.C. 4104(f)) is 

15 amended— 

16 (1) in the first sentence, by inserting after ‘‘as 

17 the case may be,’’ the following: ‘‘or, in the case of 

18 an appeal that is resolved by submission of con19 flicting data to the Scientific Resolution Panel pro20 vided for in section 1363A, the community,’’; and 

21 (2) by striking the second sentence and insert22 ing the following: ‘‘The Administrator may use such 

23 amounts from the National Flood Insurance Fund 

24 established under section 1310 as may be necessary 

25 to carry out this subsection.’’. 
21 

•HR 3370 EH

1 (b) CONFORMING AMENDMENTS.—Section 1310(a) 

2 of the National Flood Insurance Act of 1968 (42 U.S.C. 

3 4017(a)) is amended— 

4 (1) in paragraph (6), by striking ‘‘and’’ at the 

5 end; 

6 (2) in paragraph (7), by striking the period at 

7 the end and inserting ‘‘; and’’; and 

8 (3) by adding at the end the following: 

9 ‘‘(8) for carrying out section 1363(f).’’. 

10 SEC. 19. FLOOD PROTECTION SYSTEMS. 

11 (a) ADEQUATE PROGRESS ON CONSTRUCTION OF

12 FLOOD PROTECTION SYSTEMS.—Section 1307(e) of the 

13 National Flood Insurance Act of 1968 (42 U.S.C. 

14 4014(e)) is amended— 

15 (1) in the first sentence, by inserting ‘‘or recon16 struction’’ after ‘‘construction’’; 

17 (2) by amending the second sentence to read as 

18 follows: ‘‘The Administrator shall find that adequate 

19 progress on the construction or reconstruction of a 

20 flood protection system, based on the present value 

21 of the completed flood protection system, has been 

22 made only if: (1) 100 percent of the cost of the sys23 tem has been authorized; (2) at least 60 percent of 

24 the cost of the system has been appropriated; (3) at 

25 least 50 percent of the cost of the system has been 
22 

•HR 3370 EH

1 expended; and (4) the system is at least 50 percent 

2 completed.’’; and 

3 (3) by adding at the end the following: ‘‘Not4 withstanding any other provision of law, in deter5 mining whether a community has made adequate 

6 progress on the construction, reconstruction, or im7 provement of a flood protection system, the Adminis8 trator shall consider all sources of funding, including 

9 Federal, State, and local funds.’’. 

10 (b) COMMUNITIES RESTORING DISACCREDITED

11 FLOOD PROTECTION SYSTEMS.—Section 1307(f) of the 

12 National Flood Insurance Act of 1968 (42 U.S.C. 

13 4014(f)) is amended by amending the first sentence to 

14 read as follows: ‘‘Notwithstanding any other provision of 

15 law, this subsection shall apply to riverine and coastal lev16 ees that are located in a community which has been deter17 mined by the Administrator of the Federal Emergency 

18 Management Agency to be in the process of restoring flood 

19 protection afforded by a flood protection system that had 

20 been previously accredited on a Flood Insurance Rate Map 

21 as providing 100-year frequency flood protection but no 

22 longer does so, and shall apply without regard to the level 

23 of Federal funding of or participation in the construction, 

24 reconstruction, or improvement of the flood protection sys25 tem.’’. 
23 

•HR 3370 EH

1 SEC. 20. QUARTERLY REPORTS REGARDING RESERVE 

2 FUND RATIO. 

3 Subsection (e) of section 1310A of the National 

4 Flood Insurance Act of 1968 (42 U.S.C. 4017a) is amend5 ed, in the matter preceding paragraph (1), by inserting 

6 ‘‘, on a calendar quarterly basis,’’ after ‘‘submit’’. 

7 SEC. 21. TREATMENT OF FLOODPROOFED RESIDENTIAL 

8 BASEMENTS. 

9 The Administrator shall continue to extend excep10 tions and variances for flood-proofed basements consistent 

11 with section 60.6 of title 44, Code of Federal Regulations, 

12 which are effective April 3, 2009; and section 60.3 of such 

13 title, which are effective April 3, 2009. 

14 SEC. 22. EXEMPTION FROM FEES FOR CERTAIN MAP 

15 CHANGE REQUESTS. 

16 Notwithstanding any other provision of law, a re17 quester shall be exempt from submitting a review or proc18 essing fee for a request for a flood insurance rate map 

19 change based on a habitat restoration project that is fund20 ed in whole or in part with Federal or State funds, includ21 ing dam removal, culvert redesign or installation, or the 

22 installation of fish passage. 

23 SEC. 23. STUDY OF VOLUNTARY COMMUNITY-BASED FLOOD 

24 INSURANCE OPTIONS. 

25 (a) STUDY.— 
24 

•HR 3370 EH

1 (1) STUDY REQUIRED.—The Administrator 

2 shall conduct a study to assess options, methods, 

3 and strategies for making available voluntary com4 munity-based flood insurance policies through the 

5 National Flood Insurance Program. 

6 (2) CONSIDERATIONS.—The study conducted 

7 under paragraph (1) shall— 

8 (A) take into consideration and analyze 

9 how voluntary community-based flood insurance 

10 policies— 

11 (i) would affect communities having 

12 varying economic bases, geographic loca13 tions, flood hazard characteristics or classi14 fications, and flood management ap15 proaches; and 

16 (ii) could satisfy the applicable re17 quirements under section 102 of the Flood 

18 Disaster Protection Act of 1973 (42 

19 U.S.C. 4012a); and 

20 (B) evaluate the advisability of making 

21 available voluntary community-based flood in22 surance policies to communities, subdivisions of 

23 communities, and areas of residual risk. 

24 (3) CONSULTATION.—In conducting the study 

25 required under paragraph (1), the Administrator 
25 

•HR 3370 EH

1 may consult with the Comptroller General of the 

2 United States, as the Administrator determines is 

3 appropriate. 

4 (b) REPORT BY THE ADMINISTRATOR.— 

5 (1) REPORT REQUIRED.—Not later than 18 

6 months after the date of enactment of this Act, the 

7 Administrator shall submit to the Committee on 

8 Banking, Housing, and Urban Affairs of the Senate 

9 and the Committee on Financial Services of the 

10 House of Representatives a report that contains the 

11 results and conclusions of the study conducted under 

12 subsection (a). 

13 (2) CONTENTS.—The report submitted under 

14 paragraph (1) shall include recommendations for— 

15 (A) the best manner to incorporate vol16 untary community-based flood insurance poli17 cies into the National Flood Insurance Pro18 gram; and 

19 (B) a strategy to implement voluntary 

20 community-based flood insurance policies that 

21 would encourage communities to undertake 

22 flood mitigation activities, including the con23 struction, reconstruction, or improvement of 

24 levees, dams, or other flood control structures. 
26 

•HR 3370 EH

1 (c) REPORT BY COMPTROLLER GENERAL.—Not later 

2 than 6 months after the date on which the Administrator 

3 submits the report required under subsection (b), the 

4 Comptroller General of the United States shall— 

5 (1) review the report submitted by the Adminis6 trator; and 

7 (2) submit to the Committee on Banking, 

8 Housing, and Urban Affairs of the Senate and the 

9 Committee on Financial Services of the House of 

10 Representatives a report that contains— 

11 (A) an analysis of the report submitted by 

12 the Administrator; 

13 (B) any comments or recommendations of 

14 the Comptroller General relating to the report 

15 submitted by the Administrator; and 

16 (C) any other recommendations of the 

17 Comptroller General relating to community18 based flood insurance policies. 

19 SEC. 24. DESIGNATION OF FLOOD INSURANCE ADVOCATE. 

20 (a) IN GENERAL.—The Administrator shall designate 

21 a Flood Insurance Advocate to advocate for the fair treat22 ment of policy holders under the National Flood Insurance 

23 Program and property owners in the mapping of flood 

24 hazards, the identification of risks from flood, and the im25 plementation of measures to minimize the risk of flood. 
27 

•HR 3370 EH

1 (b) DUTIES AND RESPONSIBILITIES.—The duties 

2 and responsibilities of the Flood Insurance Advocate des3 ignated under subsection (a) shall be to— 

4 (1) educate property owners and policyholders 

5 under the National Flood Insurance Program on— 

6 (A) individual flood risks; 

7 (B) flood mitigation; 

8 (C) measures to reduce flood insurance 

9 rates through effective mitigation; 

10 (D) the flood insurance rate map review 

11 and amendment process; and 

12 (E) any changes in the flood insurance 

13 program as a result of any newly enacted laws 

14 (including this Act); 

15 (2) assist policy holders under the National 

16 Flood Insurance Program and property owners to 

17 understand the procedural requirements related to 

18 appealing preliminary flood insurance rate maps and 

19 implementing measures to mitigate evolving flood 

20 risks; 

21 (3) assist in the development of regional capac22 ity to respond to individual constituent concerns 

23 about flood insurance rate map amendments and re24 visions; 
28 

•HR 3370 EH

1 (4) coordinate outreach and education with 

2 local officials and community leaders in areas im3 pacted by proposed flood insurance rate map amend4 ments and revisions; and 

5 (5) aid potential policy holders under the Na6 tional Flood Insurance Program in obtaining and 

7 verifying accurate and reliable flood insurance rate 

8 information when purchasing or renewing a flood in9 surance policy. 

10 SEC. 25. EXCEPTIONS TO ESCROW REQUIREMENT FOR 

11 FLOOD INSURANCE PAYMENTS. 

12 (a) IN GENERAL.—Section 102(d)(1) of the Flood 

13 Disaster Protection Act of 1973 (42 U.S.C. 4012a(d)(1)) 

14 is amended— 

15 (1) in subparagraph (A), in the second sen16 tence, by striking ‘‘subparagraph (C)’’ and inserting 

17 ‘‘subparagraph (B)’’; and 

18 (2) in subparagraph (B)— 

19 (A) in clause (ii), by redesignating sub20 clauses (I) and (II) as items (aa) and (bb), re21 spectively, and adjusting the margins accord22 ingly; 

23 (B) by redesignating clauses (i) and (ii) as 

24 subclauses (I) and (II), respectively, and adjust25 ing the margins accordingly; 
29 

•HR 3370 EH

1 (C) in the matter preceding subclause (I), 

2 as redesignated by subparagraph (B), by strik3 ing ‘‘(A) or (B), if—’’ and inserting the fol4 lowing: ‘‘(A)— 

5 ‘‘(i) if—’’; 

6 (D) by striking the period at the end and 

7 inserting ‘‘; or’’; and 

8 (E) by adding at the end the following 

9 ‘‘(ii) in the case of a loan that— 

10 ‘‘(I) is in a junior or subordinate 

11 position to a senior lien secured by 

12 the same residential improved real es13 tate or mobile home for which flood 

14 insurance is being provided at the 

15 time of the origination of the loan; 

16 ‘‘(II) is secured by residential im17 proved real estate or a mobile home 

18 that is part of a condominium, cooper19 ative, or other project development, if 

20 the residential improved real estate or 

21 mobile home is covered by a flood in22 surance policy that— 

23 ‘‘(aa) meets the require24 ments that the regulated lending 
30 

•HR 3370 EH

1 institution is required to enforce 

2 under subsection (b)(1); 

3 ‘‘(bb) is provided by the con4 dominium association, coopera5 tive, homeowners association, or 

6 other applicable group; and 

7 ‘‘(cc) the premium for which 

8 is paid by the condominium asso9 ciation, cooperative, homeowners 

10 association, or other applicable 

11 group as a common expense; 

12 ‘‘(III) is secured by residential 

13 improved real estate or a mobile home 

14 that is used as collateral for a busi15 ness purpose; 

16 ‘‘(IV) is a home equity line of 

17 credit; 

18 ‘‘(V) is a nonperforming loan; or 

19 ‘‘(VI) has a term of not longer 

20 than 12 months.’’. 

21 (b) APPLICABILITY.— 

22 (1) IN GENERAL.— 

23 (A) REQUIRED APPLICATION.—The 

24 amendments to section 102(d)(1) of the Flood 

25 Disaster Protection Act of 1973 (42 U.S.C. 
31 

•HR 3370 EH

1 4012a(d)(1)) made by section 100209(a) of the 

2 Biggert-Waters Flood Insurance Reform Act of 

3 2012 (Public Law 112–141; 126 Stat. 920) and 

4 by subsection (a) of this section shall apply to 

5 any loan that is originated, refinanced, in6 creased, extended, or renewed on or after Janu7 ary 1, 2016. 

8 (B) OPTIONAL APPLICATION.— 

9 (i) DEFINITIONS.—In this subpara10 graph— 

11 (I) the terms ‘‘Federal entity for 

12 lending regulation’’, ‘‘improved real 

13 estate’’, ‘‘regulated lending institu14 tion’’, and ‘‘servicer’’ have the mean15 ings given the terms in section 3 of 

16 the Flood Disaster Protection Act of 

17 1973 (42 U.S.C. 4003); 

18 (II) the term ‘‘outstanding loan’’ 

19 means a loan that— 

20 (aa) is outstanding as of 

21 January 1, 2016; 

22 (bb) is not subject to the re23 quirement to escrow premiums 

24 and fees for flood insurance 

25 under section 102(d)(1) of the 
32 

•HR 3370 EH

1 Flood Disaster Protection Act of 

2 1973 (42 U.S.C. 4012a(d)(1)) as 

3 in effect on July 5, 2012; and 

4 (cc) would, if the loan had 

5 been originated, refinanced, in6 creased, extended, or renewed on 

7 or after January 1, 2016, be sub8 ject to the requirements under 

9 section 102(d)(1)(A) of the Flood 

10 Disaster Protection Act of 1973, 

11 as amended; and 

12 (III) the term ‘‘section 

13 102(d)(1)(A) of the Flood Disaster 

14 Protection Act of 1973, as amended’’ 

15 means section 102(d)(1)(A) of the 

16 Flood Disaster Protection Act of 1973 

17 (42 U.S.C. 4012a(d)(1)(A)), as 

18 amended by— 

19 (aa) section 100209(a) of 

20 the Biggert-Waters Flood Insur21 ance Reform Act of 2012 (Public 

22 Law 112–141; 126 Stat. 920); 

23 and 

24 (bb) subsection (a) of this 

25 section. 
33 

•HR 3370 EH

1 (ii) OPTION TO ESCROW FLOOD IN2 SURANCE PAYMENTS.—Each Federal enti3 ty for lending regulation (after consulta4 tion and coordination with the Federal Fi5 nancial Institutions Examination Council) 

6 shall, by regulation, direct that each regu7 lated lending institution or servicer of an 

8 outstanding loan shall offer and make 

9 available to a borrower the option to have 

10 the borrower’s payment of premiums and 

11 fees for flood insurance under the National 

12 Flood Insurance Act of 1968 (42 U.S.C. 

13 4001 et seq.), including the escrow of such 

14 payments, be treated in the same manner 

15 provided under section 102(d)(1)(A) of the 

16 Flood Disaster Protection Act of 1973, as 

17 amended. 

18 (2) REPEAL OF 2-YEAR DELAY ON APPLICA19 BILITY.—Subsection (b) of section 100209 of the 

20 Biggert-Waters Flood Insurance Reform Act of 

21 2012 (Public Law 112–141; 126 Stat. 920) is re22 pealed. 

23 (3) RULE OF CONSTRUCTION.—Nothing in this 

24 section or the amendments made by this section 

25 shall be construed to supersede, during the period 
34 

•HR 3370 EH

1 beginning on July 6, 2012 and ending on December 

2 31, 2015, the requirements under section 102(d)(1) 

3 of the Flood Disaster Protection Act of 1973 (42 

4 U.S.C. 4012a(d)(1)), as in effect on July 5, 2012. 

5 SEC. 26. FLOOD MITIGATION METHODS FOR BUILDINGS. 

6 (a) GUIDELINES.— 

7 (1) IN GENERAL.—Section 1361 of the Na8 tional Flood Insurance Act of 1968 (42 U.S.C. 

9 4102) is amended by adding at the end the following 

10 new subsection: 

11 ‘‘(d) FLOOD MITIGATION METHODS FOR BUILD12 INGS.—The Administrator shall establish guidelines for 

13 property owners that— 

14 ‘‘(1) provide alternative methods of mitigation, 

15 other than building elevation, to reduce flood risk to 

16 residential buildings that cannot be elevated due to 

17 their structural characteristics, including— 

18 ‘‘(A) types of building materials; and 

19 ‘‘(B) types of floodproofing; and 

20 ‘‘(2) inform property owners about how the im21 plementation of mitigation methods described in 

22 paragraph (1) may affect risk premium rates for 

23 flood insurance coverage under the National Flood 

24 Insurance Program.’’. 
35 

•HR 3370 EH

1 (2) ISSUANCE.—The Administrator shall issue 

2 the guidelines required under section 1361(d) of the 

3 National Flood Insurance Act of 1968 (42 U.S.C. 

4 4102(d)), as added by the amendment made by 

5 paragraph (1) of this subsection, not later than the 

6 expiration of the 1-year period beginning on the date 

7 of the enactment of this Act. 

8 (b) CALCULATION OF RISK PREMIUM RATES.—Sec9 tion 1308 of the National Flood Insurance Act of 1968 

10 (42 U.S.C. 4015), as amended by the preceding provisions 

11 of this Act, is further amended by adding at the end the 

12 following new subsection: 

13 ‘‘(k) CONSIDERATION OF MITIGATION METHODS.— 

14 In calculating the risk premium rate charged for flood in15 surance for a property under this section, the Adminis16 trator shall take into account the implementation of any 

17 mitigation method identified by the Administrator in the 

18 guidance issued under section 1361(d) (42 U.S.C. 

19 4102(d)).’’. 

20 SEC. 27. MAPPING OF NON-STRUCTURAL FLOOD MITIGA21 TION FEATURES. 

22 Section 100216 of the Biggert-Waters Flood Insur23 ance Reform Act of 2012 (42 U.S.C. 4101b) is amended— 

24 (1) in subsection (b)(1)(A)— 
36 

•HR 3370 EH

1 (A) in clause (iv), by striking ‘‘and’’ at the 

2 end; 

3 (B) by redesignating clause (v) as clause 

4 (vi); 

5 (C) by inserting after clause (iv) the fol6 lowing new clause: 

7 ‘‘(v) areas that are protected by non8 structural flood mitigation features; and’’; 

9 and 

10 (D) in clause (vi) (as so redesignated), by 

11 inserting before the semicolon at the end the 

12 following: ‘‘and by non-structural flood mitiga13 tion features’’; and 

14 (2) in subsection (d)(1)— 

15 (A) by redesignating subparagraphs (A) 

16 through (C) as subparagraphs (B) through (D), 

17 respectively; 

18 (B) in subparagraph (C) (as so redesig19 nated), by striking ‘‘subparagraph (A)’’ and in20 serting ‘‘subparagraph (B)’’; and 

21 (C) by inserting before subparagraph (B) 

22 (as so redesignated) the following new subpara23 graph: 
37 

•HR 3370 EH

1 ‘‘(A) work with States, local communities, 

2 and property owners to identify areas and fea3 tures described in subsection (b)(1)(A)(v);’’. 

4 SEC. 28. CLEAR COMMUNICATIONS. 

5 Section 1308 of the National Flood Insurance Act of 

6 1968 (42 U.S.C. 4015), as amended by the preceding pro7 visions of this Act, is further amended by adding at the 

8 end the following new subsection: 

9 ‘‘(l) CLEAR COMMUNICATIONS.—The Administrator 

10 shall clearly communicate full flood risk determinations to 

11 individual property owners regardless of whether their pre12 mium rates are full actuarial rates.’’. 

13 SEC. 29. PROTECTION OF SMALL BUSINESSES, NON-PROF14 ITS, HOUSES OF WORSHIP, AND RESIDENCES. 

15 Section 1308 of the National Flood Insurance Act of 

16 1968 (42 U.S.C. 4015), as amended by the preceding pro17 visions of this Act, is further amended by adding at the 

18 end the following new subsection: 

19 ‘‘(m) PROTECTION OF SMALL BUSINESSES, NON20 PROFITS, HOUSES OF WORSHIP, AND RESIDENCES.— 

21 ‘‘(1) REPORT.—Not later than 18 months after 

22 the date of the enactment of this section and semi23 annually thereafter, the Administrator shall monitor 

24 and report to Committee on Financial Services of 

25 the House Representatives and the Committee on 
38 

•HR 3370 EH

1 Banking, Housing, and Urban Affairs of the Senate, 

2 the Administrator’s assessment of the impact, if any, 

3 of the rate increases required under subparagraphs 

4 (A) and (D) of section 1307(a)(2) and the sur5 charges required under section 1308A on the afford6 ability of flood insurance for— 

7 ‘‘(A) small businesses with less than 100 

8 employees; 

9 ‘‘(B) non-profit entities; 

10 ‘‘(C) houses of worship; and 

11 ‘‘(D) residences with a value equal to or 

12 less than 25 percent of the median home value 

13 of properties in the State in which the property 

14 is located. 

15 ‘‘(2) RECOMMENDATIONS.—If the Adminis16 trator determines that the rate increases or sur17 charges described in paragraph (1) are having a det18 rimental effect on affordability, including resulting 

19 in lapsed policies, late payments, or other criteria re20 lated to affordability as identified by the Adminis21 trator, for any of the properties identified in sub22 paragraphs (A) through (D) of such paragraph, the 

23 Administrator shall, not later than 3 months after 

24 making such a determination, make such rec25 ommendations as the Administrator considers appro-
39 

•HR 3370 EH

1 priate to improve affordability to the Committee on 

2 Financial Services of the House Representatives and 

3 the Committee on Banking, Housing, and Urban Af4 fairs of the Senate.’’. 

5 SEC. 30. MAPPING. 

6 Section 100216(d)(1) of the Biggert-Waters Flood 

7 Insurance Reform Act of 2012 (42 U.S.C. 4101b(d)(1)) 

8 is amended— 

9 (1) in subparagraph (B)— 

10 (A) by striking ‘‘subparagraph (A)’’ and 

11 inserting ‘‘subparagraph (D)’’; and 

12 (B) by striking ‘‘and’’ at the end; 

13 (2) by redesignating subparagraphs (A), (B), 

14 and (C) as subparagraphs (D), (E), and (G), respec15 tively; 

16 (3) by inserting before subparagraph (B), as so 

17 redesignated, the following new subparagraphs: 

18 ‘‘(A) before commencement of any map19 ping or map updating process, notify each com20 munity affected of the model or models that the 

21 Administrator plans to use in such process and 

22 provide an explanation of why such model or 

23 models are appropriate; 

24 ‘‘(B) provide each community affected a 

25 30-day period beginning upon notification under 
40 

•HR 3370 EH

1 subparagraph (A) to consult with the Adminis2 trator regarding the appropriateness, with re3 spect to such community, of the mapping model 

4 or models to be used; provided that consultation 

5 by a community pursuant to this subparagraph 

6 shall not waive or otherwise affect any right of 

7 the community to appeal any flood hazard de8 terminations; 

9 ‘‘(C) upon completion of the first Inde10 pendent Data Submission, transmit a copy of 

11 such Submission to the affected community, 

12 provide the affected community a 30-day period 

13 during which the community may provide data 

14 to Administrator that can be used to supple15 ment or modify the existing data, and incor16 porate any data that is consistent with pre17 vailing engineering principles;’’; and 

18 (4) by inserting after subparagraph (E), as so 

19 redesignated, the following new subparagraph: 

20 ‘‘(F) not less than 30 days before issuance 

21 of any preliminary map, notify the Senators for 

22 each State affected and each Member of the 

23 House of Representatives for each congressional 

24 district affected by the preliminary map in writ25 ing of— 
41 

•HR 3370 EH

1 ‘‘(i) the estimated schedule for— 

2 ‘‘(I) community meetings regard3 ing the preliminary map; 

4 ‘‘(II) publication of notices re5 garding the preliminary map in local 

6 newspapers; and 

7 ‘‘(III) the commencement of the 

8 appeals process regarding the map; 

9 and 

10 ‘‘(ii) the estimated number of homes 

11 and businesses that will be affected by 

12 changes contained in the preliminary map, 

13 including how many structures will be that 

14 were not previously located in an area hav15 ing special flood hazards will be located 

16 within such an area under the preliminary 

17 map; and’’. 

18 SEC. 31. DISCLOSURE. 

19 (a) CHANGES IN RATES RESULTING FROM THIS

20 ACT.—Not later than the date that is 6 months before 

21 the date on which any change in risk premium rates for 

22 flood insurance coverage under the National Flood Insur23 ance Program resulting from this Act or any amendment 

24 made by this Act is implemented, the Administrator shall 
42 

•HR 3370 EH

1 make publicly available the rate tables and underwriting 

2 guidelines that provide the basis for the change. 

3 (b) REPORT ON POLICY AND CLAIMS DATA.— 

4 (1) IN GENERAL.—Not later than 90 days after 

5 the date of enactment of this Act, the Administrator 

6 shall submit to the Congress a report on the feasi7 bility of— 

8 (A) releasing property-level policy and 

9 claims data for flood insurance coverage under 

10 the National Flood Insurance Program; and 

11 (B) establishing guidelines for releasing 

12 property-level policy and claims data for flood 

13 insurance coverage under the National Flood 

14 Insurance Program in accordance with section 

15 552a of title 5, United States Code (commonly 

16 known as the Privacy Act of 1974). 

17 (2) CONTENTS.—The report submitted under 

18 paragraph (1) shall include— 

19 (A) an analysis and assessment of how re20 leasing property-level policy and claims data for 

21 flood insurance coverage under the National 

22 Flood Insurance Program will aid policy holders 

23 and insurers to understand how the Adminis24 tration determines actuarial premium rates and 

25 assesses flood risks; and 
43 

•HR 3370 EH

1 (B) recommendations for protecting per2 sonal information in accordance with section 

3 552a of title 5, United States Code (commonly 

4 known as the Privacy Act of 1974). 

Passed the House of Representatives March 4, 

2014. 

Attest: 

Clerk. 
113TH CONGRESS 

2D SESSION H. R. 3370 

AN ACT 

To delay the implementation of certain provisions 

Act of 2012, and for other purposes. of the Biggert-Waters Flood Insurance Reform