I 

116TH CONGRESS 

1ST SESSION H. R. 3167 

To reform and reauthorize the National Flood Insurance Program, and for 

other purposes. 

IN THE HOUSE OF REPRESENTATIVES 

JUNE 10, 2019 

Ms. WATERS introduced the following bill; which was referred to the Committee on Financial Services, and in addition to the Committee on Transportation and Infrastructure, for a period to be subsequently determined 

by the Speaker, in each case for consideration of such provisions as fall 

within the jurisdiction of the committee concerned 

A BILL 

To reform and reauthorize the National Flood Insurance 

Program, 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, 

3 SECTION 1. SHORT TITLE; TABLE OF CONTENTS. 

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

5 ‘‘National Flood Insurance Program Reauthorization Act 

6 of 2019’’. 

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

8 this Act is as follows: 

Sec. 1. Short title; table of contents. 

Sec. 2. Congressional findings. 


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TITLE I—REAUTHORIZATION AND AFFORDABILITY 

Sec. 101. Program extension. 

Sec. 102. Demonstration program for policy affordability. 

Sec. 103. Premium and fees relief for families and small businesses. 

Sec. 104. Monthly installment payment of premiums. 

Sec. 105. State revolving loan funds for low-interest loans. 

TITLE II—MAPPING 

Sec. 201. Reauthorization of appropriations for National Flood Mapping Program. 

Sec. 202. National Flood Mapping Program. 

Sec. 203. Flood mapping modernization and homeowner empowerment pilot 

program. 

Sec. 204. Mapping improvements and reach. 

Sec. 205. Appeals regarding existing flood maps. 

Sec. 206. Appeals and publication of projected special flood hazard areas. 

Sec. 207. Communication and outreach regarding map changes. 

Sec. 208. Adoption of partial flood maps. 

Sec. 209. New zone for levee-impacted areas. 

Sec. 210. Agricultural structures in special flood hazard zones. 

Sec. 211. Technical Mapping Advisory Council. 

TITLE III—MITIGATION 

Sec. 301. Increased cost of compliance coverage. 

Sec. 302. Multiple-loss properties. 

Sec. 303. Premium rates for certain mitigated properties. 

Sec. 304. Coverage for cooperatives. 

Sec. 305. Voluntary community-based flood insurance pilot program. 

Sec. 306. Mitigation funding. 

Sec. 307. Community Rating System Improvements. 

Sec. 308. Community assistance program for effective floodplain management. 

TITLE IV—MODERNIZATION 

Sec. 401. Effect of Private Flood Insurance Coverage on Continuous Coverage 

Requirements. 

Sec. 402. Optional coverage for umbrella policies. 

Sec. 403. Annual independent actuarial study. 

1 SEC. 2. CONGRESSIONAL FINDINGS. 

2 The Congress finds that— 

3 (1) since 2016, communities and families across 

4 the United States have suffered over $300 billion in 

5 losses as a result of flooding; 

6 (2) flooding disasters in the United States 

7 present a threat to people, property, and taxpayers; 


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1 (3) the National Flood Insurance Program 

2 (NFIP) is a key component of the Federal Govern3 ment’s efforts to minimize the damage and financial 

4 impact of floods; 

5 (4) the NFIP is the principal provider of flood 

6 insurance in the United States, covering over 5 mil7 lion households and businesses across the country; 

8 (5) affordability of flood insurance coverage re9 mains a serious concern; 

10 (6) investment in mitigation is a cost-effective 

11 means of reducing risk; 

12 (7) a policyholder’s ability to pay for flood in13 surance coverage should be considered for premium 

14 rate discounts; and 

15 (8) in the absence of widespread private insur16 ance industry participation, and as a matter of na17 tional policy, the Federal Government must ensure 

18 the availability and affordability of flood insurance. 

19 TITLE I—REAUTHORIZATION 

20 AND AFFORDABILITY 

21 SEC. 101. PROGRAM EXTENSION. 

22 (a) FINANCING.—Subsection (a) of section 1309 of 

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

24 4016(a)) is amended by striking ‘‘September 30, 2019’’ 

25 and inserting ‘‘September 30, 2024’’. 


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1 (b) PROGRAM EXPIRATION.—Section 1319 of the Na2 tional Flood Insurance Act of 1968 (42 U.S.C. 4026) is 

3 amended by striking ‘‘September 30, 2019’’ and inserting 

4 ‘‘September 30, 2024’’. 

5 (c) RETROACTIVE EFFECTIVE DATE.—If this Act is 

6 enacted after September 30, 2019, the amendments made 

7 by subsections (a) and (b) shall take effect as if enacted 

8 on September 30, 2019. 

9 SEC. 102. DEMONSTRATION PROGRAM FOR POLICY AF10 FORDABILITY. 

11 (a) AUTHORITY.— 

12 (1) IN GENERAL.—The Administrator of the 

13 Federal Emergency Management Agency shall estab14 lish and carry out a demonstration program under 

15 this section to demonstrate the effectiveness of pro16 viding means-tested discounted rates for flood insur17 ance coverage made available under the National 

18 Flood Insurance Act of 1968 for eligible households. 

19 (2) CONSULTATION.—The Administrator may 

20 consult with the Secretary of the Treasury and the 

21 Secretary of Housing and Urban Development about 

22 the implementation of the program established pur23 suant to paragraph (1). 


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1 (b) ELIGIBLE HOUSEHOLDS AND PROPERTIES.—The 

2 Administrator may provide discounted premium rates pur3 suant to this section only for properties that are— 

4 (1) 1- to 4-family residential properties; and 

5 (2) the primary residence of a household whose 

6 income does not exceed 80 percent of the area me7 dian income, as determined by the Administrator in 

8 consultation with the Secretary of Housing and 

9 Urban Development. 

10 (c) INCOME DETERMINATIONS.—For purposes of the 

11 program under this section, the Administrator shall make 

12 determinations of household income on an annual basis. 

13 (d) PREMIUM DISCOUNTS.—Notwithstanding any 

14 provision of the National Flood Insurance Act of 1968, 

15 the chargeable premium rate for flood insurance coverage 

16 made available under the program under this section shall 

17 be an amount that does not exceed 2 percent of annual 

18 area median income for the area within which is located 

19 the property for which the coverage is provided. 

20 (e) DISCLOSURE OF FULL-RISK RATE.—The Admin21 istrator shall provide to each policyholder purchasing flood 

22 insurance coverage under the program under this section 

23 for a property, not later than the commencement of the 

24 period of such coverage, a written statement setting forth 

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1 erty determined in accordance with section 1307(a)(1) of 

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

3 4014(a)(1)), the amount of the premium discount for such 

4 coverage, and any other information the Director con5 siders helpful to policyholders in understanding flood in6 surance coverage and costs. 

7 (f) GUIDANCE.—Not later than the expiration of the 

8 12-month period beginning on the date of the enactment 

9 of this Act, the Administrator shall issue guidance pro10 viding for the establishment of the demonstration program 

11 under this section, which shall include— 

12 (1) an estimation of the cost of the program 

13 stated in terms of the aggregate of premium dis14 counts to be made available under the program; 

15 (2) a description of how the Administrator will 

16 determine eligibility for households to participate in 

17 the program; 

18 (3) any new requirements to which policy19 holders participating in the program will be subject; 

20 (4) the results of any consultation with the Sec21 retary of the Treasury or the Secretary of Housing 

22 and Urban Development. 

23 (g) REPORT TO CONGRESS.— 

24 (1) COLLECTION OF INFORMATION.—The Ad25 ministrator shall collect by survey or other means, 


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1 for each participating community in the national 

2 flood insurance program and regarding each year 

3 during the period beginning 5 years before imple4 mentation of the demonstration program under this 

5 section and ending upon the termination date under 

6 subsection (j), the following information: 

7 (A) The demographic characteristics of 

8 households purchasing flood insurance coverage 

9 under such program. 

10 (B) The average median income of such 

11 households. 

12 (C) The number of properties located in 

13 areas for which a major disaster related to 

14 flooding was declared pursuant to the Robert T. 

15 Stafford Disaster Relief and Emergency Assist16 ance Act. 

17 (D) The number of policies made available 

18 under the national flood insurance program and 

19 the number and aggregate amount of claims 

20 submitted under such program. 

21 (E) For all properties in such community 

22 receiving discounted coverage under the dem23 onstration program under this section, the ag24 gregate amount of the full actuarial premium 

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1 ance with section 1307(a)(1) of the National 

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

3 4014(a)(1)) and the aggregate amount of pre4 mium discounts provided under the demonstra5 tion program. 

6 (F) For all properties in such community, 

7 any changes to such full actuarial premium 

8 rates due to mapping changes or other factors. 

9 (2) REPORT TO CONGRESS.—Not later than the 

10 expiration of the 5-year period beginning upon the 

11 implementation of the demonstration program under 

12 this section, the Administrator shall submit to the 

13 Congress a report evaluating the effectiveness of the 

14 assistance provided under the program, which shall 

15 include— 

16 (A) a statement of the number of house17 holds participating in the program and the 

18 rates of participation by communities partici19 pating in the national flood insurance program, 

20 including whether such rates of participation 

21 have changed by year; and 

22 (B) an estimate of the cost of the program 

23 to the National Flood Insurance Fund under 

24 section 1310 of the National Flood Insurance 

25 Act of 1968 (42 U.S.C. 4017). 


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1 (h) DEFINITIONS.—For purposes of this section, the 

2 following definitions shall apply: 

3 (1) ADMINISTRATOR.—The term ‘‘Adminis4 trator’’ means the Administrator of the Federal 

5 Emergency Management Agency. 

6 (2) PREMIUM DISCOUNT.—The term ‘‘premium 

7 discount’’ means, with respect to a policy for flood 

8 insurance coverage under the national flood insur9 ance program made available under the program 

10 under this section, the amount by which the full ac11 tuarial premium rate for coverage for such property 

12 that is determined in accordance with section 

13 1307(a)(1) of the National Flood Insurance Act of 

14 1968 (42 U.S.C. 4014(a)(1)) exceeds the chargeable 

15 premium rate for the coverage made available under 

16 the program under this section. 

17 (i) TERMINATION.—The authority under this section 

18 to provide discounted premium rates for flood insurance 

19 coverage shall terminate on May 31, 2024. 

20 SEC. 103. PREMIUM AND FEES RELIEF FOR FAMILIES AND 

21 SMALL BUSINESSES. 

22 (a) REPEAL OF SURCHARGE.— 

23 (1) REPEAL.—Section 1308A of the National 

24 Flood Insurance Act of 1968 (42 U.S.C. 4015a) is 

25 hereby repealed. 


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1 (2) CONFORMING AMENDMENTS.—The National 

2 Flood Insurance Act of 1968 is amended— 

3 (A) in section 1308(m) (42 U.S.C. 

4 4015(m))— 

5 (i) in paragraph (1), by striking ‘‘and 

6 the surcharges required under 

7 section1308A’ ’’; and 

8 (ii) in paragraph (2), by striking ‘‘or 

9 surcharges’’; and 

10 (B) in section 1310A(c) (42 U.S.C. 

11 4017a(c)), by striking paragraph (4). 

12 (b) SMALL LOAN EXCEPTION TO MANDATORY PUR13 CHASE REQUIREMENT.—Subparagraph (A) of section 

14 102(c)(2) of the Flood Disaster Protection Act of 1973 

15 (42 U.S.C. 4012a(c)(2)(A)) is amended by striking 

16 ‘‘$5,000’’ and inserting ‘‘$25,000’’. 

17 SEC. 104. MONTHLY INSTALLMENT PAYMENT OF PRE18 MIUMS. 

19 (a) AUTHORITY.—Subsection (g) of section 1308 of 

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

21 4015(g)) is amended— 

22 (1) by striking the subsection designation and 

23 all that follows through ‘‘With respect’’ and insert24 ing the following: 

25 ‘‘(g) FREQUENCY OF PREMIUM COLLECTION.— 


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1 ‘‘(1) OPTIONS.—With respect’’; and 

2 (2) by adding at the end the following: 

3 ‘‘(2) MONTHLY INSTALLMENT PAYMENT OF

4 PREMIUMS.— 

5 ‘‘(A) EXEMPTION FROM RULEMAKING.— 

6 Until such time as the Administrator promul7 gates regulations implementing paragraph (1) 

8 of this subsection, the Administrator may adopt 

9 policies and procedures, notwithstanding any 

10 other provisions of law and in alignment and 

11 consistent with existing industry escrow and 

12 servicing standards, necessary to implement 

13 such paragraph without undergoing notice and 

14 comment rulemaking and without conducting 

15 regulatory analyses otherwise required by stat16 ute, regulation, or Executive order. 

17 ‘‘(B) PILOT PROGRAM.—The Adminis18 trator may initially implement paragraph (1) of 

19 this subsection as a pilot program that provides 

20 for a gradual phase-in of implementation. 

21 ‘‘(C) POLICYHOLDER PROTECTION.—The 

22 Administrator may— 

23 ‘‘(i) during the 12-month period be24 ginning on the date of the enactment of 

25 this subparagraph, charge policyholders 


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1 choosing to pay premiums in monthly in2 stallments a fee for the total cost of the 

3 monthly collection of premiums not to ex4 ceed $25 annually; and 

5 ‘‘(ii) after the expiration of the 12- 

6 month period referred to in clause (i), ad7 just the fee charged annually to cover the 

8 total cost of the monthly collection of pre9 miums as determined by the report sub10 mitted pursuant to subparagraph (D). 

11 ‘‘(D) ANNUAL REPORTS.—On an annual 

12 basis, the Administrator shall report to the 

13 Committee on Financial Services of the House 

14 of Representatives and the Committee on Bank15 ing, Housing, and Urban Affairs of the Senate 

16 the ongoing costs associated with the monthly 

17 payment of premiums.’’. 

18 (b) IMPLEMENTATION.—Clause (ii) of section 

19 1307(a)(1)(B) of the National Flood Insurance Act of 

20 1968 (42 U.S.C. 4014(a)(1)(B)(ii)) is amended by insert21 ing before ‘‘any administrative expenses’’ the following: 

22 ‘‘the costs associated with the monthly collection of pre23 miums provided for in section 1308(g) (42 U.S.C. 

24 4015(g)), but only if such costs exceed the operating costs 


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1 and allowances set forth in clause (i) of this subparagraph, 

2 and’’. 

3 SEC. 105. STATE REVOLVING LOAN FUNDS FOR LOW-INTER4 EST LOANS. 

5 Chapter I of the National Flood Insurance Act of 

6 1968 (42 U.S.C. 4011 et seq.) is amended by adding at 

7 the end the following new section: 

8 ‘‘SEC. 1326. STATE REVOLVING LOAN FUNDS FOR LOW-IN9 TEREST LOANS. 

10 ‘‘(a) DEFINITIONS.—In this section— 

11 ‘‘(1) the term ‘Community Rating System’ 

12 means the community rating system carried out 

13 under section 1315(b); 

14 ‘‘(2) the term ‘eligible State’ means a State, the 

15 District of Columbia, and the Commonwealth of 

16 Puerto Rico; 

17 ‘‘(3) the term ‘insular area’ means— 

18 ‘‘(A) Guam; 

19 ‘‘(B) American Samoa; 

20 ‘‘(C) the Commonwealth of the Northern 

21 Mariana Islands; 

22 ‘‘(D) the Federated States of Micronesia; 

23 ‘‘(E) the Republic of the Marshall Islands; 

24 ‘‘(F) the Republic of Palau; and 

25 ‘‘(G) the United States Virgin Islands; 


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1 ‘‘(4) the term ‘intended use plan’ means a plan 

2 prepared under subsection (d)(1); 

3 ‘‘(5) the term ‘low-income geographic area’ 

4 means an area described in paragraph (1) or (2) of 

5 section 301(a) of the Public Works and Economic 

6 Development Act of 1965 (42 U.S.C. 3161(a)); 

7 ‘‘(6) the term ‘low-income homeowner’ means 

8 the owner of a primary residence, the household in9 come of which in a taxable year is not more than 80 

10 percent of the median income for the area in which 

11 the residence is located; 

12 ‘‘(7) the term ‘participating State’ means an el13 igible State that— 

14 ‘‘(A) has entered into an agreement under 

15 subsection (b)(1); and 

16 ‘‘(B) agrees to comply with the require17 ments of this section; 

18 ‘‘(8) the term ‘pre-FIRM building’ means a 

19 building for which construction or substantial im20 provement occurred before the effective date of the 

21 initial Flood Insurance Rate Map published by the 

22 Administrator under section 1360 for the area in 

23 which the building is located; 

24 ‘‘(9) the term ‘repetitive loss structure’ has the 

25 meaning given the term in section 1370(a); 


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1 ‘‘(10) the term ‘severe repetitive loss property’ 

2 has the meaning given the term in section 1307(h); 

3 ‘‘(11) the term ‘State loan fund’ means a flood 

4 mitigation assistance revolving loan fund established 

5 by an eligible State under this section; and 

6 ‘‘(12) the term ‘tribal government’ means the 

7 recognized government of an Indian tribe, or the 

8 governing body of an Alaska Native regional or vil9 lage corporation, that has been determined eligible 

10 to receive services from the Bureau of Indian Af11 fairs. 

12 ‘‘(b) GENERAL AUTHORITY.— 

13 ‘‘(1) IN GENERAL.—The Administrator may 

14 enter into an agreement with an eligible State to 

15 provide a capitalization grant for the eligible State 

16 to establish a revolving fund that will provide fund17 ing assistance to help homeowners, businesses, non18 profit organizations, and communities reduce flood 

19 risk in order to decrease— 

20 ‘‘(A) the loss of life and property; 

21 ‘‘(B) the cost of flood insurance; and 

22 ‘‘(C) Federal disaster payments. 

23 ‘‘(2) TIMING OF DEPOSIT AND AGREEMENTS

24 FOR DISTRIBUTION OF FUNDS.— 


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1 ‘‘(A) IN GENERAL.—Not later than the 

2 last day of the fiscal year following the fiscal 

3 year in which a capitalization grant is made to 

4 a participating State under paragraph (1), the 

5 participating State shall— 

6 ‘‘(i) deposit the grant in the State 

7 loan fund of the State; and 

8 ‘‘(ii) enter into one or more binding 

9 agreements that provide for the State to 

10 distribute the grant funds for purposes au11 thorized under subsection (c) such that— 

12 ‘‘(I) in the case of the initial 

13 grant made under this section to a 

14 State, not less than 75 percent of the 

15 amount of the grant funds shall be 

16 distributed before the expiration of 

17 the 24-month period beginning upon 

18 deposit of such funds in the State 

19 loan fund of the State; and 

20 ‘‘(II) in the case of any subse21 quent grant made under this section 

22 to a State, not less than 90 percent of 

23 the amount of the grant funds made 

24 under the capitalization grant shall be 

25 distributed before the expiration of 


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1 the 12-month period beginning upon 

2 deposit of such funds in the State 

3 loan fund of the State. 

4 ‘‘(B) NONCOMPLIANCE.—Except as pro5 vided in subparagraph (C), if a participating 

6 State does not comply with subparagraph (A) 

7 with respect to a grant, the Administrator shall 

8 reallocate the grant in accordance with para9 graph (3)(B). 

10 ‘‘(C) EXCEPTION.—The Administrator 

11 may not reallocate any funds under subpara12 graph (B) to a participating State that violated 

13 subparagraph (A) with respect to a grant made 

14 during the same fiscal year in which the funds 

15 to be reallocated were originally made available. 

16 ‘‘(3) ALLOCATION.— 

17 ‘‘(A) IN GENERAL.—The Administrator 

18 shall allocate amounts made available to carry 

19 out this section to participating States— 

20 ‘‘(i) for the participating States to de21 posit in the State loan funds established by 

22 the participating States; and 

23 ‘‘(ii) except as provided in paragraph 

24 (6), in accordance with the requirements 

25 described in subparagraph (B). 


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1 ‘‘(B) REQUIREMENTS.—The requirements 

2 described in this subparagraph are as follows: 

3 ‘‘(i) Fifty percent of the total amount 

4 made available under subparagraph (A) 

5 shall be allocated so that each partici6 pating State receives the percentage 

7 amount that is obtained by dividing the 

8 number of properties that were insured 

9 under the national flood insurance pro10 gram in that State in the fiscal year pre11 ceding the fiscal year in which the amount 

12 is allocated by the total number of prop13 erties that were insured under the national 

14 flood insurance program in the fiscal year 

15 preceding the fiscal year in which the 

16 amount is allocated. 

17 ‘‘(ii) Fifty percent of the total amount 

18 made available under subparagraph (A) 

19 shall be allocated so that each partici20 pating State receives a percentage of funds 

21 that is equal to the product obtained under 

22 clause (iii)(IV) with respect to that partici23 pating State after following the procedures 

24 described in clause (iii). 


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1 ‘‘(iii) The procedures described in this 

2 clause are as follows: 

3 ‘‘(I) Divide the total amount col4 lected in premiums for properties in5 sured under the national flood insur6 ance program in each participating 

7 State during the previous fiscal year 

8 by the number of properties insured 

9 under the national flood insurance 

10 program in that State for that fiscal 

11 year. 

12 ‘‘(II) Add together each quotient 

13 obtained under subclause (I). 

14 ‘‘(III) For each participating 

15 State, divide the quotient obtained 

16 under subclause (I) with respect to 

17 that State by the sum obtained under 

18 subclause (II). 

19 ‘‘(IV) For each participating 

20 State, multiply the amount that is 50 

21 percent of the total amount made 

22 available under subparagraph (A) by 

23 the quotient obtained under subclause 

24 (III). 


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1 ‘‘(iv) Except as provided in paragraph 

2 (5), in a fiscal year— 

3 ‘‘(I) a participating State may 

4 not receive more than 15 percent of 

5 the total amount that is made avail6 able under subparagraph (A) in that 

7 fiscal year; and 

8 ‘‘(II) if a participating State, 

9 based on the requirements under 

10 clauses (i) through (iii), would, but 

11 for the limit under subclause (I) of 

12 this clause, receive an amount that is 

13 greater than the amount the State is 

14 authorized to receive under that sub15 clause, the difference between the au16 thorized amount and the amount oth17 erwise due to the State under clauses 

18 (i) through (iii) shall be allocated to 

19 other participating States— 

20 ‘‘(aa) that, in that fiscal 

21 year, have not received an 

22 amount under subparagraph (A) 

23 that is more than the authorized 

24 amount under subclause (I) of 

25 this clause; and 


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1 ‘‘(bb) by using the require2 ments under clauses (i) through 

3 (iii), except that a participating 

4 State may receive an allocation 

5 under this subclause only if the 

6 allocation does not result in the 

7 State receiving a total amount 

8 for the fiscal year under subpara9 graph (A) that is greater than 

10 the authorized amount under 

11 subclause (I). 

12 ‘‘(4) NO REVOLVING FUND REQUIRED.— 

13 ‘‘(A) IN GENERAL.—Notwithstanding any 

14 other provision of this section, and subject to 

15 subparagraph (B), a participating State that 

16 receives less than $4,000,000 under paragraph 

17 (3)(B) in a fiscal year may distribute the funds 

18 directly in the form of grants or technical as19 sistance for a purpose described in subsection 

20 (c)(2), without regard to whether the State has 

21 established a State loan fund. 

22 ‘‘(B) STATE MATCHING.—A participating 

23 State that exercises the authority under sub24 paragraph (A) in a fiscal year shall provide 

25 matching funds from non-Federal sources in an 


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1 amount that is equal to 15 percent of the 

2 amount that the State receives under paragraph 

3 (3)(B) in that fiscal year for purposes described 

4 in subparagraph (A). 

5 ‘‘(5) ALLOCATION OF REMAINING FUNDS.— 

6 After allocating amounts made available to carry out 

7 this section for a fiscal year in accordance with 

8 paragraph (3), the Administrator shall allocate any 

9 remaining amounts made available for that fiscal 

10 year to participating States, using the procedures 

11 described in clauses (i) through (iii) of paragraph 

12 (3)(B). 

13 ‘‘(6) ALLOCATION FOR TRIBAL GOVERNMENTS

14 AND INSULAR AREAS.—The Administrator shall re15 serve not less than 5.0 percent of the amount made 

16 available to carry out this section in a fiscal year to 

17 enter into grant agreements with tribal governments 

18 and insular areas, with the grant funds to be distrib19 uted— 

20 ‘‘(A) according to criteria established by 

21 the Administrator; and 

22 ‘‘(B) for a purpose described in subsection 

23 (c)(2). 

24 ‘‘(7) ADMINISTRATIVE COSTS; TECHNICAL AS25 SISTANCE.—The Administrator shall reserve not 


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1 more than 2.5 percent of the amount made available 

2 to carry out this section in a fiscal year— 

3 ‘‘(A) for administrative costs incurred in 

4 carrying out this section; and 

5 ‘‘(B) to provide technical assistance to re6 cipients of grants under this section. 

7 ‘‘(c) USE OF FUNDS.— 

8 ‘‘(1) IN GENERAL.—Amounts deposited in a 

9 State loan fund, including repayments of loans made 

10 from the fund and interest earned on the amounts 

11 in the fund, shall be used— 

12 ‘‘(A) consistent with paragraphs (2) and 

13 (3) and subsection (g), to provide financial as14 sistance for— 

15 ‘‘(i) homeowners, businesses, and non16 profit organizations that are eligible to 

17 participate in the national flood insurance 

18 program; and 

19 ‘‘(ii) any local government that par20 ticipates in the national flood insurance 

21 program; 

22 ‘‘(B) as a source of revenue and security 

23 for leveraged loans, the proceeds of which shall 

24 be deposited in the State loan fund; or 


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1 ‘‘(C) for the sale of bonds as security for 

2 payment of the principal and interest on rev3 enue or general obligation bonds issued by the 

4 participating State to provide matching funds 

5 under subsection (g), if the proceeds from the 

6 sale of the bonds are deposited in the State 

7 loan fund. 

8 ‘‘(2) PURPOSES.—A recipient of financial as9 sistance provided through amounts from a State 

10 loan fund— 

11 ‘‘(A) shall use the amounts to reduce— 

12 ‘‘(i) flood risk; or 

13 ‘‘(ii) potential flood claims submitted 

14 under the national flood insurance pro15 gram; 

16 ‘‘(B) shall use the amounts in a cost-effec17 tive manner under requirements established by 

18 the State, which may require an applicant for 

19 financial assistance to submit any information 

20 that the State considers relevant or necessary 

21 before the date on which the applicant receives 

22 the assistance; 

23 ‘‘(C) shall use the amounts for projects 

24 that— 


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1 ‘‘(i) meet design and construction 

2 standards established by the Adminis3 trator; 

4 ‘‘(ii) are located in communities 

5 that— 

6 ‘‘(I) participate in the national 

7 flood insurance program; and 

8 ‘‘(II) have developed a State, 

9 local, or tribal government hazard 

10 mitigation plan that has been ap11 proved by the Administrator under 

12 section 1366; 

13 ‘‘(iii)(I) address a repetitive loss 

14 structure or a severe repetitive loss prop15 erty; or 

16 ‘‘(II) address flood risk in the 500- 

17 year floodplain, areas of residual flood risk, 

18 or other areas of potential flood risk, as 

19 identified by the Administrator; and 

20 ‘‘(iv) address current risk and antici21 pate future risk, such as sea-level rise; 

22 ‘‘(D) may use the amounts— 

23 ‘‘(i) for projects relating to— 

24 ‘‘(I) structural elevation; 

25 ‘‘(II) floodproofing; 


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1 ‘‘(III) the relocation or removal 

2 of buildings from the 100-year flood3 plain or other areas of flood risk, in4 cluding the acquisition of properties 

5 for such a purpose; 

6 ‘‘(IV) environmental restoration 

7 activities that directly reduce flood 

8 risk; 

9 ‘‘(V) any eligible activity de10 scribed in subparagraphs (A) through 

11 (G) of section 1366(c)(3); or 

12 ‘‘(VI) other activities determined 

13 appropriate by the Administrator; 

14 ‘‘(ii) with respect to a project de15 scribed in clause (i), only for expenditures 

16 directly related to a project described in 

17 that clause, including expenditures for 

18 planning, design, and associated pre-con19 struction activities; and 

20 ‘‘(iii) to acquire, for the purposes of 

21 permanent protection, land, buildings, or a 

22 conservation easement from a willing seller 

23 or grantor; 

24 ‘‘(E) may not use the amounts— 


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1 ‘‘(i) to construct buildings or expand 

2 existing buildings unless the activity is for 

3 the purpose of flood mitigation; 

4 ‘‘(ii) to improve any structure, unless 

5 the recipient has obtained flood insurance 

6 coverage in an amount at least equal to the 

7 lesser of the eligible project costs or the 

8 maximum insurable limit for the structure 

9 under the national flood insurance pro10 gram coverage for the structure, which 

11 coverage shall be maintained for the useful 

12 life of the structure; 

13 ‘‘(iii) to improve a residential property 

14 with an appraised value that is not less 

15 than 125 percent of the limitation on the 

16 maximum original principal obligation of a 

17 conventional mortgage that may be pur18 chased by the Federal National Mortgage 

19 Association or the Federal Home Loan 

20 Mortgage Corporation in the area in which 

21 the property is located, as established 

22 under section 302(b)(2) of the Federal Na23 tional Mortgage Association Charter Act 

24 (12 U.S.C. 1717(b)(2)) and section 

25 305(a)(2) of the Federal Home Loan 


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1 Mortgage Corporation Act (12 U.S.C. 

2 1454(a)(2)); 

3 ‘‘(iv) for the direct benefit of a home4 owner if the annual household adjusted 

5 gross income of the homeowner during the 

6 previous fiscal year was not less than 

7 $200,000, as annually adjusted by the Ad8 ministrator to reflect changes in the Con9 sumer Price Index for All Urban Con10 sumers, as published by the Bureau of 

11 Labor Statistics of the Department of 

12 Labor and rounded to the nearest $25; or 

13 ‘‘(v) to acquire real property or an in14 terest in real property unless the property 

15 is purchased from a willing seller; and 

16 ‘‘(F) shall, in the use of such amounts, 

17 give priority to the maximum extent practicable 

18 to projects that assist low-income homeowners 

19 and low-income geographical areas. 

20 ‘‘(d) INTENDED USE PLANS.— 

21 ‘‘(1) IN GENERAL.—After providing the oppor22 tunity for public review and comment, each partici23 pating State shall annually prepare a plan that iden24 tifies, for the year following the date of issuance of 

25 the intended use plan, the intended uses of the 


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1 amounts available in the State loan fund of the par2 ticipating State. 

3 ‘‘(2) CONSULTATION DURING PREPARATION.— 

4 Each participating State, in preparing an intended 

5 use plan, shall ensure that the State agency with 

6 primary responsibility for floodplain management— 

7 ‘‘(A) provides oversight with respect to the 

8 preparation of the intended use plan; and 

9 ‘‘(B) consults with any other appropriate 

10 State agency, including agencies responsible for 

11 coastal and environmental management. 

12 ‘‘(3) CONTENTS.—A participating State shall, 

13 in each intended use plan— 

14 ‘‘(A) include— 

15 ‘‘(i) an explanation of the mitigation 

16 and resiliency benefits the State intends to 

17 achieve, including by— 

18 ‘‘(I) reducing future damage and 

19 loss associated with flooding; 

20 ‘‘(II) reducing the number of se21 vere repetitive loss properties and re22 petitive loss structures in the State; 

23 ‘‘(III) decreasing the number of 

24 flood insurance claims in the State; 

25 and 


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1 ‘‘(IV) increasing the rating under 

2 the Community Rating System for 

3 communities in the State; 

4 ‘‘(ii) information with respect to the 

5 availability of, and the application process 

6 for receiving, financial assistance from the 

7 State loan fund of the State; 

8 ‘‘(iii) the criteria and methods estab9 lished for the distribution of amounts from 

10 the State loan fund of the State; 

11 ‘‘(iv) the amount of financial assist12 ance that the State anticipates allocating 

13 to— 

14 ‘‘(I) local government projects; 

15 and 

16 ‘‘(II) projects for homeowners, 

17 business, or nonprofit organizations; 

18 ‘‘(v) the expected terms of the assist19 ance provided under clause (iv); and 

20 ‘‘(vi) a description of the financial sta21 tus of the State loan fund and the short22 term and long-term goals of the State loan 

23 fund; and 

24 ‘‘(B) provide, to the maximum extent prac25 ticable, that priority for the use of amounts 


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1 from the State loan fund shall be given to 

2 projects that— 

3 ‘‘(i) address severe repetitive loss 

4 properties and repetitive loss structures; 

5 ‘‘(ii) assist low-income homeowners 

6 and low-income geographic areas; and 

7 ‘‘(iii) address flood risk for pre-FIRM 

8 buildings. 

9 ‘‘(4) PUBLICATION.—Each participating State 

10 shall publish and periodically update a list of all 

11 projects receiving funding from the State loan fund 

12 of the State, which shall include identification of— 

13 ‘‘(A) the community in which the project is 

14 located; 

15 ‘‘(B) the type and amount of assistance 

16 provided for each project; and 

17 ‘‘(C) the expected funding schedule and 

18 date of completion of each project. 

19 ‘‘(e) FUND MANAGEMENT.—Amounts in a State loan 

20 fund shall— 

21 ‘‘(1) remain available for providing financial as22 sistance under this section until distributed; 

23 ‘‘(2) if the amounts are not required for imme24 diate distribution or expenditure, be invested in in25 terest-bearing obligations; and 


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1 ‘‘(3) except as provided in subsection (i), in2 clude only— 

3 ‘‘(A) amounts received from capitalization 

4 grants made under this section; 

5 ‘‘(B) repayments of loans made from the 

6 fund; and 

7 ‘‘(C) interest earned on amounts in the 

8 fund. 

9 ‘‘(f) MATCHING FUNDS.— 

10 ‘‘(1) FULL GRANT.—On or before the date on 

11 which a participating State receives a capitalization 

12 grant, the State shall deposit into the State loan 

13 fund of the State, in addition to the amount of the 

14 capitalization grant, an amount from non-Federal 

15 sources that is not less than 10 percent of the total 

16 amount of the capitalization grant. 

17 ‘‘(2) REDUCED GRANT.—Notwithstanding para18 graph (1), if a State deposits in the State loan fund 

19 of the State in connection a capitalization grant an 

20 amount from non-Federal sources that is less than 

21 10 percent of the total amount of the capitalization 

22 grant that would otherwise be received by the State, 

23 the Administrator shall reduce the amount of the 

24 capitalization grant received by the State to the 

25 amount that is 10 times the amount so deposited 


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1 and shall allocate such remaining grant amounts 

2 under subsection (b)(5) together with the amounts 

3 allocated under such subsection. 

4 ‘‘(g) TYPES OF ASSISTANCE.—Unless otherwise pro5 hibited by State law, a participating State may use the 

6 amounts deposited into a State loan fund under this sec7 tion only— 

8 ‘‘(1) to make a loan, on the condition that— 

9 ‘‘(A) the interest rate for the loan is not 

10 more than the market interest rate; 

11 ‘‘(B) the recipient of the loan will begin 

12 making principal and interest payments on the 

13 loan not later than 1 year after the date on 

14 which the project for which the loan was made 

15 is completed; 

16 ‘‘(C) the loan will be fully amortized not 

17 later than 20 years after the date on which the 

18 project for which the loan was made is com19 pleted, except that, in the case of a loan made 

20 for a project in a low-income geographic area or 

21 to a low-income homeowner, the State may pro22 vide a longer amortization period for the loan if 

23 that longer period— 


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1 ‘‘(i) ends on a date that is not later 

2 than 30 years after the date on which the 

3 project is completed; and 

4 ‘‘(ii) is not longer than the expected 

5 design life of the project; 

6 ‘‘(D) the recipient of the loan dem7 onstrates, based on verified and documented in8 formation that, at the time the loan is con9 summated, that the recipient has a reasonable 

10 ability to repay the loan, according to its terms, 

11 except that this subparagraph may not be con12 strued to authorize any reduction or limitation 

13 in efforts to comply with the requirements of 

14 subsection (c)(2)(E) (relating to priority for as15 sistance for low-income homeowners and low-in16 come geographical areas); and 

17 ‘‘(E) payments of principal and interest 

18 with respect to the loan will be deposited into 

19 the State loan fund; 

20 ‘‘(2) to buy or refinance the debt obligation of 

21 a local government related to flood mitigation or re22 siliency activities, at an interest rate that is not 

23 more than the market interest rate; 

24 ‘‘(3) to guarantee, or purchase insurance for, a 

25 local obligation, the proceeds of which finance a 


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1 project eligible for assistance under this section, if 

2 the guarantee or purchase, as applicable, would— 

3 ‘‘(A) improve credit market access; or 

4 ‘‘(B) reduce the interest rate with respect 

5 to the obligation; 

6 ‘‘(4) as a source of revenue or as security for 

7 the payment of principal and interest on revenue or 

8 general obligation bonds issued by the State if the 

9 proceeds of the sale of the bonds will be deposited 

10 into the State loan fund; or 

11 ‘‘(5) to earn interest on those amounts. 

12 ‘‘(h) ASSISTANCE FOR LOW-INCOME HOMEOWNERS

13 AND LOW-INCOME GEOGRAPHIC AREAS.— 

14 ‘‘(1) IN GENERAL.—Notwithstanding any other 

15 provision of this section, if a participating State uses 

16 amounts from a State loan fund to provide financial 

17 assistance under subsection (c) in a low-income geo18 graphic area or to a low-income homeowner, the 

19 State may provide additional subsidization to the re20 cipient of the assistance, including forgiveness of the 

21 principal of a loan. 

22 ‘‘(2) LIMITATION.—For each fiscal year, the 

23 total amount of additional subsidization provided by 

24 a participating State under paragraph (1) may not 


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1 exceed 30 percent of the amount of the capitaliza2 tion grant allocated to the State for that fiscal year. 

3 ‘‘(i) ADMINISTRATION OF FUND.— 

4 ‘‘(1) IN GENERAL.—A participating State may 

5 combine the financial administration of a State loan 

6 fund with the financial administration of any other 

7 revolving fund established by the State if— 

8 ‘‘(A) combining the administration of the 

9 funds would— 

10 ‘‘(i) be convenient and avoid adminis11 trative costs; and 

12 ‘‘(ii) not violate the law of the State; 

13 and 

14 ‘‘(B) the Administrator determines that— 

15 ‘‘(i) amounts obtained from a grant 

16 made under this section, amounts obtained 

17 from the repayment of a loan made from 

18 a State loan fund, and interest earned on 

19 amounts in a State loan fund will be— 

20 ‘‘(I) accounted for separately 

21 from amounts from other revolving 

22 funds; and 

23 ‘‘(II) used only for purposes au24 thorized under this section; and 


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1 ‘‘(ii) after consulting with the appro2 priate State agencies, the authority to es3 tablish assistance priorities and carry out 

4 oversight and related activities, other than 

5 financial administration, with respect to 

6 flood assistance remains with the State 

7 agency with primary responsibility for 

8 floodplain management. 

9 ‘‘(2) ADMINISTRATIVE AND TECHNICAL

10 COSTS.— 

11 ‘‘(A) IN GENERAL.—For each fiscal year, a 

12 participating State may use the amount de13 scribed in subparagraph (B) to— 

14 ‘‘(i) pay the reasonable costs of ad15 ministration of the programs under this 

16 section, including the recovery of reason17 able costs incurred in establishing a State 

18 loan fund; 

19 ‘‘(ii) provide appropriate oversight of 

20 projects authorized under this section; and 

21 ‘‘(iii) provide technical assistance and 

22 outreach to recipients in the State of 

23 amounts under this section, including with 

24 respect to updating hazard mitigation 

25 plans and participating in the Community 


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1 Rating System, in an amount that is not 

2 more than 4 percent of the funds made 

3 available to the State under this section. 

4 ‘‘(B) DESCRIPTION.—The amount de5 scribed in this subparagraph is an amount 

6 equal to the sum of— 

7 ‘‘(i) any fees collected by a partici8 pating State to recover the costs described 

9 in subparagraph (A)(i), regardless of the 

10 source; and 

11 ‘‘(ii) the greatest of— 

12 ‘‘(I) $400,000; 

13 ‘‘(II) 0.2 percent of the value of 

14 the State loan fund of a State, as of 

15 the date on which the valuation is 

16 made; and 

17 ‘‘(III) an amount equal to 7 per18 cent of all grant awards made to a 

19 participating State for the State loan 

20 fund of the State under this section 

21 for the fiscal year. 

22 ‘‘(3) AUDIT AND REPORT.— 

23 ‘‘(A) AUDIT REQUIREMENT.—Not less fre24 quently than biennially, each participating State 


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1 shall conduct an audit of the State loan fund of 

2 the State. 

3 ‘‘(B) REPORT.—Each participating State 

4 shall submit to the Administrator a biennial re5 port regarding the activities of the State under 

6 this section during the period covered by the re7 port, including— 

8 ‘‘(i) the result of any audit conducted 

9 by the State under subparagraph (A); and 

10 ‘‘(ii) a review of the effectiveness of 

11 the State loan fund of the State with re12 spect to— 

13 ‘‘(I) the intended use plans of the 

14 State; and 

15 ‘‘(II) meeting the objectives de16 scribed in subsection (b)(1). 

17 ‘‘(4) OVERSIGHT.—In conducting oversight with 

18 respect to State loan funds established under this 

19 section, the Administrator— 

20 ‘‘(A) shall— 

21 ‘‘(i) periodically audit the funds in ac22 cordance with procedures established by 

23 the Comptroller General of the United 

24 States; and 


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1 ‘‘(ii) not less frequently than once 

2 every 4 years, review each State loan fund 

3 to determine the effectiveness of the fund 

4 in reducing flood risk; and 

5 ‘‘(B) may, at any time— 

6 ‘‘(i) make recommendations to a par7 ticipating State with respect to the admin8 istration of the State loan fund of the 

9 State; or 

10 ‘‘(ii) require specific changes with re11 spect to a State loan fund in order to im12 prove the effectiveness of the fund. 

13 ‘‘(j) LIABILITY PROTECTIONS.—The Federal Govern14 ment shall not be liable for any claim based upon the exer15 cise or performance of, or the failure to exercise or per16 form, a discretionary function or duty on the part of the 

17 Federal agency, or an employee of the Federal Govern18 ment, in carrying out the provision of this section. 

19 ‘‘(k) REGULATIONS.—The Administrator shall pro20 mulgate such guidance or regulations as may be necessary 

21 to carry out this section, including guidance or regulations 

22 that— 

23 ‘‘(1) ensure that each participating State to 

24 which funds are allocated under this section uses the 

25 funds as efficiently as possible; 


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1 ‘‘(2) reduce, to the maximum extent prac2 ticable, waste, fraud, and abuse with respect to the 

3 implementation of this section; and 

4 ‘‘(3) require any party that receives funds di5 rectly or indirectly under this section, including a 

6 participating State and a recipient of amounts from 

7 a State loan fund, to use procedures with respect to 

8 the management of the funds that conform to gen9 erally accepted accounting standards. 

10 ‘‘(l) AUTHORIZATION OF APPROPRIATIONS.—There is 

11 authorized to be appropriated to carry out this section 

12 $50,000,000 for each of fiscal years 2020 through 2024.’’. 

13 TITLE II—MAPPING 

14 SEC. 201. REAUTHORIZATION OF APPROPRIATIONS FOR 

15 NATIONAL FLOOD MAPPING PROGRAM. 

16 Subsection (f) of section 100216 of the Biggert17 Waters Flood Insurance Reform Act of 2012 (42 U.S.C. 

18 4101(b)) is amended by striking ‘‘$400,000,000 for each 

19 of fiscal years 2013 through 2017’’ and inserting 

20 ‘‘$500,000,000 for each of fiscal years 2019 through 

21 2023’’. 

22 SECTION 202. NATIONAL FLOOD MAPPING PROGRAM. 

23 (a) INCLUSION OF CADASTRAL FEATURES IN RATE

24 MAPS.—Section 100216(b)(3) of the Biggert-Waters 


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1 Flood Insurance Reform Act of 2012 (42 U.S.C. 

2 4101b(b)(3)) is amended— 

3 (1) in subparagraph (D), by striking ‘‘and’’ at 

4 the end; 

5 (2) in subparagraph (E), by striking the period 

6 at the end and inserting ‘‘; and’’; and 

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

8 ‘‘(F) cadastral features, including, for each 

9 cadastral feature— 

10 ‘‘(i) the associated parcel identifica11 tion data for such cadastral feature; and 

12 ‘‘(ii) to the maximum extent prac13 ticable, using public and private sector ad14 dress data, the address of such cadastral 

15 feature.’’. 

16 (b) FORMAT OF RATE MAPS.—Section 100216(c)(2) 

17 of the Biggert-Waters Flood Insurance Reform Act of 

18 2012 (42 U.S.C. 4101b(c)(2)) is amended— 

19 (1) in subparagraph (B), by striking ‘‘and’’ at 

20 the end; 

21 (2) in subparagraph (C), by striking the period 

22 at the end and inserting ‘‘; and’’; and 

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

24 ‘‘(D) spatially accurate in accordance with 

25 the common protocols for geospatial data under 


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1 section 757 of the Geospatial Data Act of 2018 

2 (43 U.S.C. 2806).’’. 

3 (c) ADDITIONAL CONSIDERATIONS.—Section 100216 

4 of the Biggert-Waters Flood Insurance Reform Act of 

5 2012 (42 U.S.C. 4101b) is amended— 

6 (1) by redesignating subsection (f) as sub7 section (m); and 

8 (2) by inserting after subsection (e) the fol9 lowing: 

10 ‘‘(g) STREAM FLOW NETWORKS.— 

11 ‘‘(1) IN GENERAL.—The Administrator shall co12 ordinate with the United States Geological Survey 

13 for the sharing of data from stream flow networks 

14 critical to the National Flood Insurance Program, 

15 flood risk mapping, and flood risk assessments, to 

16 ensure that— 

17 ‘‘(A) the stream gage stations in such 

18 stream flow networks are operational and use 

19 modern hardware; 

20 ‘‘(B) such stream flow networks are suffi21 ciently densified by adding new stream gage 

22 stations in high-risk areas; 

23 ‘‘(C) inactive critical stream gage stations 

24 in such stream flow networks are reactivated; 

25 and 


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1 ‘‘(D) the speed of the geospatial real-time 

2 data feeds from such stream gage stations is in3 creased. 

4 ‘‘(2) DEFINITIONS.—In this subsection: 

5 ‘‘(A) STREAM FLOW NETWORK.—The term 

6 ‘stream flow network’ means a network of 

7 stream flow gages maintained under the direc8 tion of the United States Geological Survey and 

9 its partners that is used to measure or record 

10 the flow of water down a stream or river, or 

11 through an entire watershed system, and trans12 mit such information using a geospatial real13 time data feed. 

14 ‘‘(B) STREAM GAGE STATION.—The term 

15 ‘stream gage station’ means a device installed 

16 at the edge of a river or stream that measures 

17 or records the flow of water down the stream 

18 and additional information such as water 

19 height, water chemistry, and water tempera20 ture. 

21 ‘‘(3) RULE OF CONSTRUCTION.—The purpose 

22 of this subsection is to require cooperation between 

23 the Federal Emergency Management Agency and 

24 the United States Geological Survey and nothing in 


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1 this subsection may be construed to require or obli2 gate funding expenditures. 

3 ‘‘(h) AVAILABILITY OF DATA TO PUBLIC.—The Ad4 ministrator shall make available to the public on the 

5 website of the Federal Emergency Management Agency a 

6 national geospatial data repository that— 

7 ‘‘(1) provides access to the raw data used to in8 clude the cadastral features and parcel identification 

9 data in National Flood Insurance Program rate 

10 maps; 

11 ‘‘(2) to the extent that such data is available, 

12 allows users to view, query, and obtain such data at 

13 multiple levels of detail, including down to the prop14 erty level; 

15 ‘‘(3) allows users to view flood risks, flood in16 surance zones, and flood elevations; 

17 ‘‘(4) provides access to flood mapping and re18 lated information such as— 

19 ‘‘(A) hydrologic and hydraulic models used 

20 in determining flood risk; 

21 ‘‘(B) structure footprints where available 

22 as part of a national structure inventory; 

23 ‘‘(C) flood depth grids; 

24 ‘‘(D) flood risk reports; 


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1 ‘‘(E) flood risk assessments (Hazus anal2 yses); 

3 ‘‘(F) hazard mitigation plans; and 

4 ‘‘(G) other flood risk products at the dis5 cretion of the Administrator; and 

6 ‘‘(5) maintains and disseminates such data in a 

7 consistent manner. 

8 ‘‘(i) ENSURING CURRENT DATA.—Not less fre9 quently than once every 5 years, the Administrator shall 

10 verify that each National Flood Insurance Program rate 

11 map contains data that is current and credible. 

12 ‘‘(j) QUALIFICATIONS-BASED SELECTION CON13 TRACTING.— 

14 ‘‘(1) IN GENERAL.—With respect to a contract 

15 awarded by the Administrator under this Act, or by 

16 an entity receiving a grant under this Act, for pro17 gram management, architectural and engineering 

18 services, or surveying and mapping, such a contract 

19 shall be awarded to a contractor selected in accord20 ance with the procedures described in section 1103 

21 of title 40, United States Code (or an applicable 

22 equivalent State qualifications-based statute). The 

23 Administrator, or entity, as the case may be, shall 

24 require such contractor, as a condition of such con25 tract, to award any subcontract for program manVerDate Sep 11 2014 09:02 Jun 11, 2019 Jkt 089200 PO 00000 Frm 00046 Fmt 6652 Sfmt 6201 E:\BILLS\H3167.IH H3167

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1 agement, architectural and engineering services, or 

2 surveying and mapping in accordance with the pro3 cedures described in the previous sentence, or the 

4 applicable equivalent State statute. 

5 ‘‘(2) RELATIONSHIP TO STATE LAW.—Nothing 

6 in this subsection shall supersede any applicable 

7 State licensing law governing professional licensure. 

8 ‘‘(3) DEFINITIONS.—In this subsection: 

9 ‘‘(A) ARCHITECTURAL AND ENGINEERING

10 SERVICES.—The term ‘architectural and engi11 neering services’ has the meaning given that 

12 term in section 1102 of title 40, United States 

13 Code. 

14 ‘‘(B) SURVEYING AND MAPPING.—The 

15 term ‘surveying and mapping’ includes 

16 geospatial activities associated with measuring, 

17 locating, and preparing maps, charts, or other 

18 graphical or digital presentations depicting nat19 ural and man-made physical features, phe20 nomena, and legal boundaries of the earth, in21 cluding the following: 

22 ‘‘(i) Topographic Engineering Sur23 veying, including acquisition of topographic 

24 oriented surveying and mapping data for 

25 design, construction, master planning, opVerDate Sep 11 2014 09:02 Jun 11, 2019 Jkt 089200 PO 00000 Frm 00047 Fmt 6652 Sfmt 6201 E:\BILLS\H3167.IH H3167

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1 erations, as-built conditions, precise struc2 ture stability studies using conventional 

3 and electronic instrumentation, photo4 grammetric, LiDAR, remote sensing, iner5 tial, satellite, and other manned and un6 manned survey methods as applicable. 

7 ‘‘(ii) Hydrographic Engineering Sur8 veying, including acquisition of hydro9 graphic oriented surveying and mapping 

10 data for design, construction, dredging, 

11 master planning, operations, and as-built 

12 conditions using conventional and elec13 tronic instrumentation, and photo14 grammetric, remote sensing, inertial, sat15 ellite, side scan sonar, subbottom profiling, 

16 and other surveying methods, as applica17 ble. 

18 ‘‘(iii) Land Surveying, including prop19 erty and boundary surveys, 

20 monumentation, marking and posting, and 

21 preparation of tract descriptions, using 

22 conventional, electronic instrumentation, 

23 photogrammetric, inertial, satellite, and 

24 other survey methods, as applicable. 


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1 ‘‘(iv) Geodetic Surveying, including 

2 first, second, and third order horizontal 

3 and vertical control surveys, geodetic as4 tronomy, gravity and magnetic surveys 

5 using conventional, electronic instrumenta6 tion, photogrammetric, inertial, satellite, 

7 and other survey methods, as applicable. 

8 ‘‘(v) Cartographic Surveying, includ9 ing acquisition of topographic and hydro10 graphic oriented surveying and mapping 

11 data for construction of maps, charts, and 

12 similar products for planning, flood anal13 ysis, and general use purposes using con14 ventional and electronic instrumentation, 

15 photogrammetric, inertial, satellite, mobile, 

16 terrestrial, and other survey methods, as 

17 applicable. 

18 ‘‘(vi) Mapping, charting, and related 

19 geospatial database development, including 

20 the design, compilation, digitizing, attrib21 uting, scribing, drafting, printing and dis22 semination of printed or digital map, 

23 chart, and related geospatial database 

24 products associated with planning, engi25 neering, operations, and related real estate 


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1 activities using photogrammetric, geo2 graphic information systems, and other 

3 manual and computer assisted methods, as 

4 applicable. 

5 ‘‘(k) DEFINITIONS.—In this section: 

6 ‘‘(1) CADASTRAL FEATURE.—The term ‘cadas7 tral feature’ means the geographic elements and fea8 tures— 

9 ‘‘(A) that are independent of elevation, 

10 such as roads, structure footprints, and rivers 

11 and lakes; 

12 ‘‘(B) which are represented on maps to 

13 show the true location and size of the elements 

14 in relationship to each other, as they are seen 

15 from the air; and 

16 ‘‘(C) that are mapped from LiDAR or aer17 ial photography by employing basic photo18 grammetry. 

19 ‘‘(2) PARCEL IDENTIFICATION DATA.—The 

20 term ‘parcel identification data’ means the informa21 tion associated with a parcel of land, including the 

22 geographic location, unique parcel identifier, bound23 aries, structures contained within the parcel, zoning 

24 classification, and owner.’’. 


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1 SECTION 203. FLOOD MAPPING MODERNIZATION AND 

2 HOMEOWNER EMPOWERMENT PILOT PRO3 GRAM. 

4 (a) IN GENERAL.—The Administrator of the Federal 

5 Emergency Management Agency shall carry out a pilot 

6 program to make grants to units of local government to 

7 enhance the mapping of urban flooding and associated 

8 property damage and the availability of such mapped data 

9 to homeowners, businesses, and units of local government 

10 to enable them to minimize the risk of such flooding. 

11 (b) OBJECTIVES.—Amounts from grants made under 

12 the pilot program under this section may be used only to 

13 carry out activities to meet the following objectives: 

14 (1) To develop a methodology for assessing 

15 urban flood risk through the deployment of tech16 nology-based mapping tools that are easily under17 standable by the public and effectively convey infor18 mation regarding the level of flood risk. 

19 (2) To provide structure-specific projections of 

20 annual chance flood frequency. 

21 (3) To provide structure-based flood-risk assess22 ments. 

23 (4) To provide urban flood-risk mitigation pro24 gram design. 

25 (5) To incorporate information regarding cli26 mate trends into urban flooding risk assessments. 


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1 (6) To make the information described in this 

2 subsection publicly available on the internet through 

3 a web-based portal so as to increase transparency re4 garding homeowner flood risks. 

5 (c) ELIGIBLE RECIPIENTS.— 

6 (1) IN GENERAL.—Grants under the pilot pro7 gram under this section may be made only to units 

8 of general local government located in urbanized 

9 areas, as such term is used by the Bureau of the 

10 Census of the Department of Commerce, having 

11 populations exceeding 50,000 or to stormwater man12 agement authorities of such units of general local 

13 government. 

14 (2) ONE-TIME GRANTS.—A grant under the 

15 pilot program under this section may not be made 

16 to— 

17 (A) any unit of general local governmental, 

18 or stormwater management authority of a unit 

19 of general government, that has previously re20 ceived a grant under the pilot program; 

21 (B) any unit of general local government if 

22 the stormwater management agency for such 

23 unit has previously received a grant under the 

24 pilot program; or 


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1 (C) any stormwater management agency of 

2 a unit of general local government if such unit 

3 has previously received a grant under the pilot 

4 program. 

5 (3) TREATMENT OF STORMWATER MANAGE6 MENT AUTHORITIES.—In the case of a stormwater 

7 management authority that operates with respect to 

8 more than one unit of general local government, the 

9 application of such authority shall be considered for 

10 purposes of paragraph (2) of this subsection and 

11 subsections (e), (f), and (g)(1) to be made for the 

12 largest unit of general local government for which 

13 such authority operates. The preceding sentence 

14 shall not limit the ability of such authority to carry 

15 out activities under the demonstration project in any 

16 other jurisdictions or unit of local government with 

17 respect to which the authority operates. 

18 (d) APPLICATIONS.—To be eligible for a grant under 

19 this section a unit of general local government or 

20 stormwater management agency shall submit to the Ad21 ministrator an application in such form and containing 

22 such information as the Administrator shall require. 

23 (e) SELECTION OF RECIPIENTS.— 

24 (1) ANNUAL SELECTION.—Subject to para25 graph (2) and to the submission of approvable appliVerDate Sep 11 2014 09:02 Jun 11, 2019 Jkt 089200 PO 00000 Frm 00053 Fmt 6652 Sfmt 6201 E:\BILLS\H3167.IH H3167

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1 cations, in each fiscal year for which amounts are 

2 made available for grants under the pilot program 

3 under this section the Administrator shall select, 

4 from among applications submitted under subsection 

5 (d) for such fiscal year, 3 units of general govern6 ment or stormwater management authorities to re7 ceive grants under the pilot program under this sec8 tion. 

9 (2) AGGREGATE LIMIT.—Subject only to the 

10 submission of approvable applications, the Adminis11 trator shall select, in the aggregate over the entire 

12 duration of the pilot program under this section, 12 

13 units of general government or stormwater manage14 ment authorities to receive grants under the pilot 

15 program, as follows: 

16 (A) TIER 1.—Three of the applicants se17 lected shall be units of general local govern18 ment, or stormwater management authorities 

19 for such units, having a population exceeding 

20 800,000, as follows: 

21 (i) PELAGIC COASTAL CITY.—One 

22 shall be a unit of general local government, 

23 or stormwater authority for such a unit, 

24 that is a pelagic unit. 


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1 (ii) NON-PELAGIC COASTAL CITY.— 

2 One shall be unit of general local govern3 ment, or stormwater authority for such a 

4 unit, that is a coastal unit, but not a pe5 lagic unit. 

6 (iii) NON-COASTAL CITY.—One shall 

7 be unit of general local government, or 

8 stormwater authority for such a unit, that 

9 is not a coastal unit. 

10 (B) TIER 2.—Six of the applicants selected 

11 shall be units of general local government, or 

12 stormwater management authorities for such 

13 units, having a population exceeding 200,000 

14 but not exceeding 800,000, as follows: 

15 (i) COASTAL CITIES.—Three shall be 

16 units of general local government, or 

17 stormwater management authorities for 

18 such units, that are coastal units. 

19 (ii) NON-COASTAL CITIES.—Three 

20 shall be units of general local government, 

21 or stormwater management authorities for 

22 such units, that are not coastal units. 

23 (C) TIER 3.—Three of the applicants se24 lected shall be units of general local govern25 ment, or stormwater management authorities 


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1 for such units, having a population exceeding 

2 50,000 but not exceeding 200,000. 

3 (f) PRIORITY.— 

4 (1) IN GENERAL.—The Administrator shall se5 lect applicants for grants under the pilot program 

6 under this section based on the extent to which their 

7 applications will achieve the objectives set forth in 

8 subsection (b). 

9 (2) TIERS 2 AND 3.—In selecting applicants to 

10 receive grants under the pilot program under this 

11 section pursuant to subparagraphs (B) and (C) of 

12 subsection (e)(2), the Administrator shall give pri13 ority to applicants— 

14 (A) that are highly vulnerable to sea level 

15 rise; 

16 (B) within which are located a military in17 stallation or other facility relating to national 

18 security concerns; or 

19 (C) that have a population that is highly 

20 vulnerable to urban flooding and have an un21 even capacity for flood mitigation and response 

22 efforts resulting from socioeconomic factors. 

23 (g) AMOUNT.— 

24 (1) CONSIDERATIONS.—In determining the 

25 amount of grant under the pilot program under this 


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1 section, the Administrator shall consider the popu2 lation of the grant recipient, which may be consid3 ered in terms of the tier under subsection (e)(2) of 

4 the recipient. 

5 (2) FEDERAL SHARE.—The amount of a grant 

6 under the pilot program under this section may not 

7 exceed 75 percent of the total cost of the activities 

8 under subsection (b) to be carried out using the 

9 grant amounts. 

10 (h) DURATION.—The Administrator shall require 

11 each recipient of a grant under the pilot program under 

12 this section to complete the activities under subsection (b) 

13 to be carried out using the grant amounts before the expi14 ration of the 18-month period beginning upon the initial 

15 receipt of grant amounts under the pilot program. 

16 (i) USE OF CENSUS DATA.—The Administrator shall 

17 make all determinations under the pilot program regard18 ing population using the most recent available data from 

19 the decennial census. 

20 (j) GRANTEE REPORTS TO FEMA.—Each recipient 

21 of a grant under the pilot program under this section 

22 shall, not later than the expiration of the 30-month period 

23 beginning upon the initial receipt of any such grant 

24 amounts, submit to the Administrator a report that de25 scribes— 


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1 (1) the activities carried out with amounts from 

2 the grant; 

3 (2) how the activities carried out with such 

4 grant amounts have met the objectives described in 

5 subsection (b); and 

6 (3) any lessons learned in carrying out such ac7 tivities and any recommendations for future map8 ping modernization efforts by the Federal Emer9 gency Management Agency. 

10 (k) BIENNIAL REPORTS BY FEMA.—Not later than 

11 the expiration of the 24-month period beginning on the 

12 date of the enactment of this Act, and not later than the 

13 expiration of each successive 24-month period thereafter 

14 until the completion of all activities carried out with 

15 amounts from grants under the pilot program under this 

16 section, the Administrator shall submit to the Congress 

17 and make available to the public on an internet website 

18 a report that— 

19 (1) describes— 

20 (A) the progress of the activities carried 

21 out with amounts from such grants; and 

22 (B) the effectiveness of technology-based 

23 mapping tools used in carrying out the activi24 ties described in subparagraph (A); and 


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1 (2) with respect to the final report that the Ad2 ministrator is required to submit under this sub3 section, includes recommendations to the Congress 

4 and the executive branch of the Federal Government 

5 for implementing strategies, practices, and tech6 nologies to mitigate the effects of urban flooding. 

7 (l) SENSE OF CONGRESS.—It is the sense of the Con8 gress that, because the pilot program is limited with re9 spect to scope and resources, communities that participate 

10 in the pilot program should acknowledge that the most 

11 successful efforts to mitigate the effects of urban flood12 ing— 

13 (1) take a structural-based mitigation approach 

14 with respect to construction, which includes— 

15 (A) recognizing any post-storm damage 

16 that may occur; and 

17 (B) pursuing designs that proactively mini18 mize future flood damage; 

19 (2) make individuals in the community aware, 

20 through any cost-effective and available means of 

21 education, of the best approaches regarding the con22 struction of properties that are able to survive 

23 floods, which reduces the cost of future repairs; and 

24 (3) encourage home and property owners to 

25 consider the measures described in paragraphs (1) 


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1 and (2), which are the most cost-effective and pru2 dent ways to reduce the impact of flooding, when 

3 constructing or renovating building components. 

4 (m) DEFINITIONS.—For purposes of this section, the 

5 following definitions shall apply: 

6 (1) ADMINISTRATOR.—The term ‘‘Adminis7 trator’’ means the Administrator of the Federal 

8 Emergency Management Agency. 

9 (2) COASTAL.—The term ‘‘coastal’’ means, with 

10 respect to a unit of general local government, that 

11 the unit borders a body of water that— 

12 (A) exceeds 2,000 square miles in size; and 

13 (B) is not a river. 

14 (3) PELAGIC.—The term ‘‘pelagic’’ means, with 

15 respect to a unit of general local government, that 

16 the unit is a coastal unit and the body of water that 

17 the unit borders is an ocean or other large, open 

18 body of water (including bays and gulfs) that 

19 empties into an ocean. 

20 (4) URBAN FLOODING.— 

21 (A) IN GENERAL.—The term ‘‘urban flood22 ing’’ means the inundation of property in a 

23 built environment, particularly in more densely 

24 populated areas, caused either by falling rain 

25 collecting on impervious surfaces or increasing 


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1 the levels of nearby water bodies and over2 whelming the capacity of drainage systems, 

3 such as storm sewers, including— 

4 (i) situations in which stormwater en5 ters buildings through windows, doors, or 

6 other openings; 

7 (ii) water backup through sewer pipes, 

8 showers, toilets, sinks, and floor drains; 

9 (iii) seepage through walls and floors; 

10 (iv) the accumulation of water on 

11 property or public rights-of-way; and 

12 (v) the overflow from water bodies, 

13 such as rivers, lakes, and oceans. 

14 (B) EXCLUSION.—Such term does not in15 clude flooding in undeveloped or agricultural 

16 areas. 

17 (n) FUNDING.—There is authorized to be appro18 priated for grants under the pilot program under this sec19 tion— 

20 (1) $1,200,000 for fiscal year 2020; and 

21 (2) $4,300,000 for fiscal year 2021, to remain 

22 available through 2023. 

23 SEC. 204. MAPPING IMPROVEMENTS AND REACH. 

24 (a) EXPANDING MAPPING TO ALL AREAS OF THE

25 UNITED STATES.—Subparagraph (A) of section 


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1 100216(b)(1) of the Biggert-Waters Flood Insurance Re2 form Act of 2012 (42 U.S.C. 4101b(b)(1)(A)) is amend3 ed— 

4 (1) in clause (v), by striking ‘‘and’’ at the end; 

5 (2) by redesignating clause (vi) as clause (vii); 

6 and 

7 (3) by inserting after clause (v) the following: 

8 ‘‘(vi) all areas of the United States; 

9 and’’. 

10 (b) USE OF OTHER FEDERAL AGENCIES AND

11 LIDAR.—Section 100216 of the Biggert-Waters Flood 

12 Insurance Reform Act of 2012 (42 U.S.C. 4101b) is 

13 amended— 

14 (1) in subsection (b)(1)— 

15 (A) by redesignating subparagraphs (B) 

16 and (C) as subparagraphs (C) and (D), respec17 tively; and 

18 (B) by inserting after subparagraph (A) 

19 the following: 

20 ‘‘(B) as soon as practicable— 

21 ‘‘(i) modernize the flood mapping in22 ventory for communities for which the Na23 tional Flood Insurance Program rate maps 

24 have not been modernized; and 


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1 ‘‘(ii) in coordination with commu2 nities, utilize the digital display environ3 ment established under subsection 

4 (f)(1)(A) to produce, store, and dissemi5 nate any flood hazard data, models, and 

6 maps generated under clause (i) while en7 suring that the flood mapping inventory 

8 described in that clause may be printed in 

9 order to carry out— 

10 ‘‘(I) floodplain management pro11 grams under the National Flood In12 surance Act of 1968 (42 U.S.C. 4001 

13 et seq.); and 

14 ‘‘(II) other purposes of the Na15 tional Flood Insurance Program;’’; 

16 (i) in subparagraph (C), as so redesig17 nated, by striking ‘‘and’’ at the end; 

18 (ii) in subparagraph (D), as so redes19 ignated, by striking the period at the end 

20 and inserting ‘‘, including the most current 

21 and most appropriate remote sensing or 

22 other geospatial mapping technology; and’’; 

23 and 

24 (iii) by adding at the end the fol25 lowing: 


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1 ‘‘(E) when appropriate, partner with other 

2 Federal agencies, States, communities, and pri3 vate entities in order to meet the objectives of 

4 the program.’’; 

5 (2) by inserting after subsection (e) the fol6 lowing new subsection: 

7 ‘‘(f) DIGITAL DISPLAY ENVIRONMENT AND BUILD8 ING-SPECIFIC FLOOD HAZARD AND RISK INFORMA9 TION.— 

10 ‘‘(1) ESTABLISHMENT.— 

11 ‘‘(A) IN GENERAL.—Not later than 5 years 

12 after the date of enactment of the National 

13 Flood Insurance Program Reauthorization Act 

14 of 2019, the Administrator, in consultation with 

15 the Technical Mapping Advisory Council, shall 

16 establish, as part of a national structure inven17 tory, a dynamic, database-derived digital dis18 play environment for flood hazard and risk 

19 data, models, maps, and assessments. 

20 ‘‘(B) CONSULTATION WITH STATES AND

21 COMMUNITIES.—In designing and constructing 

22 the digital display environment under subpara23 graph (A), the Administrator shall— 


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1 ‘‘(i) leverage and partner with States 

2 and communities that have successfully im3 plemented the same approach; and 

4 ‘‘(ii) consider adopting the techniques 

5 and technologies used by the States and 

6 communities described in clause (i) and ap7 plying those techniques and technologies 

8 nationwide. 

9 ‘‘(2) DIGITAL DISPLAY SYSTEM.— 

10 ‘‘(A) IN GENERAL.—In carrying out para11 graph (1), the Administrator, in consultation 

12 with the Technical Mapping Advisory Council, 

13 shall establish a national digital display system 

14 that shall— 

15 ‘‘(i) be prompted through dynamic 

16 querying of a spatial, relational flood haz17 ard and risk database; 

18 ‘‘(ii) as permissible under law, be 

19 made available to the public; 

20 ‘‘(iii) to the extent feasible, and where 

21 sufficient data is available, provide infor22 mation, with respect to individual struc23 tures, regarding— 

24 ‘‘(I) flood hazard and risk assess25 ment determinations; 


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1 ‘‘(II) flood insurance; and 

2 ‘‘(III) flood risk mitigation ef3 forts; 

4 ‘‘(iv) be constructed in a manner that 

5 facilitates coordination with digital display 

6 systems that— 

7 ‘‘(I) have been developed by 

8 State and community partners; and 

9 ‘‘(II) the Administrator finds are 

10 acceptable; 

11 ‘‘(v) include the capability to print 

12 physical copies of maps; and 

13 ‘‘(vi) where feasible, allow for the 

14 maintenance and storage of elevation cer15 tificates. 

16 ‘‘(B) PRIVACY REQUIREMENTS.—The Ad17 ministrator may not disseminate the database 

18 described in subparagraph (A)(i), including any 

19 data used to create that database, to the public 

20 or to a private company in a manner that vio21 lates section 552a of title 5, United States 

22 Code, or any regulation implementing that sec23 tion.’’; and 

24 (3) by inserting after subsection (k) as added 

25 by the preceding provisions of this Act: 


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1 ‘‘(l) ANNUAL REPORT.—The Administrator, in co2 ordination with the Technical Mapping Advisory Council 

3 established under section 100215 of this Act, shall submit 

4 to the Committee on Financial Services of the House of 

5 Representatives and the Committee on Banking, Housing, 

6 and Urban Affairs of the Senate an annual report regard7 ing progress achieved in the mapping program under this 

8 section, including the digital display and structure-specific 

9 information required under subsection (f), which shall in10 clude recommendations to reduce the cost and improve the 

11 implementation of that subsection.’’. 

12 (c) FUTURE FLOOD RISK.—Section 100216(d) of the 

13 Biggert-Waters Flood Insurance Reform Act of 2012 (42 

14 U.S.C. 4101b) is amended by adding at the end the fol15 lowing: 

16 ‘‘(3) FUTURE FLOOD RISK.—The Administrator 

17 shall, in consultation with the Technical Mapping 

18 Council established under section 100215, provide fi19 nancial and technical assistance to communities to 

20 incorporate future flood hazard conditions as an in21 formational layer on their Flood Insurance Rate 

22 Maps.’’. 


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1 SEC. 205. APPEALS REGARDING EXISTING FLOOD MAPS. 

2 (a) IN GENERAL.—Section 1360 of the National 

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

4 by adding at the end the following new subsection: 

5 ‘‘(k) APPEALS OF EXISTING MAPS.— 

6 ‘‘(1) RIGHT TO APPEAL.—Subject to paragraph 

7 (6), a State or local government, or the owner or les8 see of real property, who has made a formal request 

9 to the Administrator to update a flood map that the 

10 Administrator has denied may at any time appeal 

11 such a denial as provided in this subsection. 

12 ‘‘(2) BASIS FOR APPEAL.—The basis for appeal 

13 under this subsection shall be the possession of 

14 knowledge or information that— 

15 ‘‘(A) the base flood elevation level or des16 ignation of any aspect of a flood map is sci17 entifically or technically inaccurate; or 

18 ‘‘(B) factors exist that mitigate the risk of 

19 flooding, including ditches, banks, walls, vegeta20 tion, levees, lakes, dams, reservoirs, basin, re21 tention ponds, and other natural or manmade 

22 topographical features. 

23 ‘‘(3) APPEALS PROCESS.— 

24 ‘‘(A) ADMINISTRATIVE ADJUDICATION.— 

25 An appeal under this subsection shall be deter26 mined by a final adjudication on the record, 


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1 and after opportunity for an administrative 

2 hearing. 

3 ‘‘(B) RIGHTS UPON ADVERSE DECISION.— 

4 If an appeal pursuant to subparagraph (A) does 

5 not result in a decision in favor of the State, 

6 local government, owner, or lessee, such party 

7 may appeal the adverse decision to the Sci8 entific Resolution Panel provided for in section 

9 1363A, which shall recommend a non-binding 

10 decision to the Administrator. 

11 ‘‘(4) RELIEF.— 

12 ‘‘(A) WHOLLY SUCCESSFUL APPEALS.—In 

13 the case of a successful appeal resulting in a 

14 policyholder’s property being removed from a 

15 special flood hazard area, such policyholder may 

16 cancel the policy at any time within the current 

17 policy year, and the Administrator shall provide 

18 such policyholder a refund in the amount of any 

19 premiums paid for such policy year, plus any 

20 premiums paid for flood insurance coverage 

21 that the policyholder was required to purchase 

22 or maintain during the 2-year period preceding 

23 such policy year. 

24 ‘‘(B) PARTIALLY SUCCESSFUL APPEALS.— 

25 In the case of any appeal in which mitigating 


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1 factors were determined to have reduced, but 

2 not eliminated, the risk of flooding, the Admin3 istrator shall reduce the amount of flood insur4 ance coverage required to be maintained for the 

5 property concerned by the ratio of the success6 ful portion of the appeal as compared to the en7 tire appeal. The Administrator shall refund to 

8 the policyholder any payments made in excess 

9 of the amount necessary for such new coverage 

10 amount, effective from the time when the miti11 gating factor was created or the beginning of 

12 the second policy year preceding the determina13 tion of the appeal, whichever occurred later. 

14 ‘‘(C) ADDITIONAL RELIEF.—The Adminis15 trator may provide additional refunds in excess 

16 of the amounts specified in subparagraphs (A) 

17 and (B) if the Administrator determines that 

18 such additional amounts are warranted. 

19 ‘‘(5) RECOVERY OF COSTS.—When, incident to 

20 any appeal which is successful in whole or part re21 garding the designation of the base flood elevation 

22 or any aspect of the flood map, including elevation 

23 or designation of a special flood hazard area, the 

24 community, or the owner or lessee of real property, 

25 as the case may be, incurs expense in connection 


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1 with the appeal, including services provided by sur2 veyors, engineers, and scientific experts, the Admin3 istrator shall reimburse such individual or commu4 nity for reasonable expenses to an extent measured 

5 by the ratio of the successful portion of the appeal 

6 as compared to the entire appeal, but not including 

7 legal services, in the effecting of an appeal based on 

8 a scientific or technical error on the part of the Fed9 eral Emergency Management Agency. No reimburse10 ment shall be made by the Administrator in respect 

11 to any fee or expense payment, the payment of 

12 which was agreed to be contingent upon the result 

13 of the appeal. The Administrator may use such 

14 amounts from the National Flood Insurance Fund 

15 established under section 1310 as may be necessary 

16 to carry out this paragraph. 

17 ‘‘(6) GUIDANCE.—The Administrator shall 

18 issue guidance to implement this subsection, which 

19 shall not be subject to the notice and comment re20 quirements under section 553 of title 5, United 

21 States Code.’’. 

22 (b) DEADLINE.—The Administrator of the Federal 

23 Emergency Management Agency shall issue the guidance 

24 referred to section 1360(k)(6) of the National Flood In25 surance Act of 1968 (42 U.S.C. 4101(k)(7)), as added by 


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1 the amendment made by subsection (a) of this section, not 

2 later than the expiration of the 6-month period beginning 

3 on the date of the enactment of this Act. 

4 SEC. 206. APPEALS AND PUBLICATION OF PROJECTED SPE5 CIAL FLOOD HAZARD AREAS. 

6 (a) APPEALS.—Section 1363 of the National Flood 

7 Insurance Act of 1968 (42 U.S.C. 4104) is amended— 

8 (1) in subsection (b), by striking the second 

9 sentence and inserting the following: ‘‘Any owner or 

10 lessee of real property within the community who be11 lieves the owner’s or lessee’s rights to be adversely 

12 affected by the Administrator’s proposed determina13 tion may appeal such determination to the local gov14 ernment no later than 90 days after the date of the 

15 second publication.’’; 

16 (2) in subsection (d), by striking ‘‘subsection 

17 (e)’’ and inserting ‘‘subsection (f)’’; 

18 (3) by redesignating subsections (e), (f), and 

19 (g) as subsections (f), (g), and (h), respectively; and 

20 (4) by inserting after subsection (d) the fol21 lowing new subsection: 

22 ‘‘(e) DETERMINATION BY ADMINISTRATOR IN THE

23 ABSENCE OF APPEALS.—If the Administrator has not re24 ceived any appeals, upon expiration of the 90-day appeal 

25 period established under subsection (b) of this section the 


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1 Administrator’s proposed determination shall become 

2 final. The community shall be given a reasonable time 

3 after the Administrator’s final determination in which to 

4 adopt local land use and control measures consistent with 

5 the Administrator’s determination.’’. 

6 (b) PUBLICATION.—Subsection (a) of section 1363 of 

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

8 4104(a)) is amended by striking ‘‘in the Federal Reg9 ister’’. 

10 SEC. 207. COMMUNICATION AND OUTREACH REGARDING 

11 MAP CHANGES. 

12 Paragraph (1) of section 100216(d) of the Biggert13 Waters Flood Insurance Reform Act of 2012 (42 U.S.C. 

14 4101b(d)(1)) is amended— 

15 (1) in subparagraph (B), by inserting ‘‘max16 imum’’ before ‘‘30-day period’’; and 

17 (2) in subparagraph (C), by inserting ‘‘max18 imum’’ before ‘‘30-day period’’. 

19 SEC. 208. ADOPTION OF PARTIAL FLOOD MAPS. 

20 Subsection (f) of section 1360 of the National Flood 

21 Insurance Act of 1968 (42 U.S.C. 4101(f)) is amended 

22 by adding at the end the following new flush matter: 

23 ‘‘Panels of the revised flood insurance rate maps for which 

24 no appeal has been submitted during the 90-day period 

25 referred to in subsection (b) shall be considered final.’’. 


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1 SEC. 209. NEW ZONE FOR LEVEE-IMPACTED AREAS. 

2 Section 1360 of the National Flood Insurance Act of 

3 1968 (42 U.S.C. 4101), as amended by section 4 of this 

4 Act, is further amended by adding at the end the fol5 lowing: 

6 ‘‘(l) LEVEE-IMPACTED AREAS.— 

7 ‘‘(1) IN GENERAL.—Subject to full implementa8 tion of subparagraphs (A)(iii) and (B) of section 

9 100216(b)(1) of the Biggert-Waters Flood Insur10 ance Reform Act of 2012 (42 U.S.C. 4101b(b)(1)) 

11 and notwithstanding any other provision of law, if a 

12 community applies to the Administrator for the re13 mapping of a levee-impacted area in which the perti14 nent levee system fails to meet the minimum design, 

15 operation, and maintenance standards of the Na16 tional Flood Insurance Program required for levee 

17 accreditation on a flood insurance rate map in ac18 cordance with the Levee Analysis Mapping Proce19 dure initiated by the Administrator to replace the 

20 ‘without levees’ approach to a Flood Insurance 

21 Study, the Administrator shall— 

22 ‘‘(A) establish flood risk zones for those 

23 levee-impacted areas on such maps, to be 

24 known as ‘AL–E zones’, that have an estab25 lished elevation for community floodplain man26 agement; and 


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1 ‘‘(B) make flood insurance available to 

2 properties located within those levee-impacted 

3 areas. 

4 ‘‘(2) TRANSITION.—During the period begin5 ning on the date of enactment of this subsection and 

6 ending on the date on which the Administrator de7 velops rates for the various AL–E zones, a structure 

8 located in a portion of a community that is located 

9 within a levee-impacted area described in paragraph 

10 (1) shall be eligible for rates associated with areas 

11 of moderate flood hazards.’’. 

12 SEC. 210. AGRICULTURAL STRUCTURES IN SPECIAL FLOOD 

13 HAZARD ZONES. 

14 (a) REQUIREMENTS FOR STATE AND LOCAL LAND

15 USE CONTROLS.—Subsection (a) of section 1315 of the 

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

17 4022(a)) is amended by adding at the end the following 

18 new paragraph: 

19 ‘‘(3) ALLOWABLE LOCAL VARIANCES FOR CER20 TAIN AGRICULTURAL STRUCTURES.— 

21 ‘‘(A) REQUIREMENT.—Notwithstanding 

22 any other provision of this Act— 

23 ‘‘(i) the land use and control meas24 ures adopted pursuant to paragraph (1) 

25 may not, for purposes of such paragraph, 


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1 be considered to be inadequate or incon2 sistent with the comprehensive criteria for 

3 land management and use under section 

4 1361 because such measures provide that, 

5 in the case of any agricultural structure 

6 that is located in an area having special 

7 flood hazards, a variance from compliance 

8 with the requirements to elevate or 

9 floodproof such a structure and meeting 

10 the requirements of subparagraph (B) may 

11 be granted; and 

12 ‘‘(ii) the Administrator may not sus13 pend a community from participation in 

14 the national flood insurance program, or 

15 place such a community on probation 

16 under such program, because such land 

17 use and control measures provide for such 

18 a variance. 

19 This subparagraph shall not limit the ability of 

20 the Administrator to take enforcement action 

21 against a community that does not adopt ade22 quate variance criteria or establish proper en23 forcement mechanisms. 


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1 ‘‘(B) VARIANCE; CONSIDERATIONS.—The 

2 requirements of this subparagraph with respect 

3 to a variance are as follows: 

4 ‘‘(i) The variance is granted by an of5 ficial from a duly constituted State or local 

6 zoning authority, or other authorized pub7 lic body responsible for regulating land de8 velopment or occupancy in flood-prone 

9 areas. 

10 ‘‘(ii) In the case of new construction, 

11 such official has determined— 

12 ‘‘(I) that neither floodproofing 

13 nor elevation of the new structure to 

14 the base flood elevation is practicable; 

15 and 

16 ‘‘(II) that the structure is not lo17 cated in— 

18 ‘‘(aa) a designated regu19 latory floodway; 

20 ‘‘(bb) an area riverward of a 

21 levee or other flood control struc22 ture; or 

23 ‘‘(cc) an area subject to high 

24 velocity wave action or seaward 

25 of flood control structures. 


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1 ‘‘(iii) In the case of existing struc2 tures— 

3 ‘‘(I) if such structure is substan4 tially damaged or in need of substan5 tial repairs or improvements, such of6 ficial has determined that neither 

7 floodproofing nor elevation to the base 

8 flood elevation is practicable; and 

9 ‘‘(II) if such structure is located 

10 within a designated regulatory flood11 way, such official has determined that 

12 the repair or improvement does not 

13 result in any increase in base flood 

14 levels during the base flood discharge. 

15 ‘‘(iv) Such official has determined 

16 that the variance will not result in in17 creased flood heights, additional threats to 

18 public safety, extraordinary public expense, 

19 create nuisances, cause fraud on or victim20 ization of the public, or conflict with exist21 ing local laws or ordinances. 

22 ‘‘(v) Not more than one claim pay23 ment exceeding $1,000 has been made for 

24 the structure under flood insurance cov25 erage under this title within any period of 


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1 10 consecutive years at any time prior to 

2 the granting of the variance. 

3 ‘‘(C) DEFINITIONS.—For purposes of this 

4 paragraph, the following definitions shall apply: 

5 ‘‘(i) AGRICULTURAL STRUCTURE.— 

6 The term ‘agricultural structure’ has the 

7 meaning given such term in paragraph 

8 (2)(D). 

9 ‘‘(ii) FLOODPROOFING.—The term 

10 ‘floodproofing’ means, with respect to a 

11 structure, any combination of structural 

12 and non-structural additions, changes, or 

13 adjustments to the structure, including at14 tendant utilities and equipment, that re15 duce or eliminate potential flood damage to 

16 real estate or improved real property, 

17 water and sanitary facilities, structures, or 

18 their contents.’’. 

19 (b) PREMIUM RATES.—Section 1308 of the National 

20 Flood Insurance Act of 1968 (42 U.S.C. 4015) is amended 

21 by adding at the end the following new subsection: 

22 ‘‘(n) PREMIUM RATES FOR CERTAIN AGRICULTURAL

23 STRUCTURES WITH VARIANCES.—Notwithstanding any 

24 other provision of this Act, the chargeable premium rate 

25 for coverage under this title for any structure provided a 


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1 variance pursuant to section 1315(a)(3) shall be the same 

2 as the rate that otherwise would apply to such structure 

3 if the structure had been dry floodproofed or a comparable 

4 actuarial rate based upon the risk associated with struc5 tures within the applicable AL–E zone established under 

6 section 1360(l).’’. 

7 SEC. 211. TECHNICAL MAPPING ADVISORY COUNCIL. 

8 Paragraph (1) of section 100215(b) of the Biggert9 Waters Flood Insurance Reform Act of 2012 (42 U.S.C. 

10 4101a(b)(1)) is amended— 

11 (1) by redesignating subparagraphs (A) through 

12 (E) as subparagraphs (B) through (F), respectively; 

13 (2) by inserting before subparagraph (B), as so 

14 redesignated by subparagraph (A) of this paragraph, 

15 the following new subparagraph: 

16 ‘‘(A) the Director of the United States Ge17 ological Survey;’’; and 

18 (3) in subparagraph (F), as so redesignated by 

19 subparagraph (A) of this paragraph— 

20 (A) in the matter preceding clause (i), by 

21 striking ‘‘16’’ and inserting ‘‘17’’; 

22 (B) in clause (xiii), by striking ‘‘and’’ at 

23 the end; 

24 (C) in clause (xiv), by striking the period 

25 at the end and inserting ‘‘; and’’; and 


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1 (D) by adding at the end the following new 

2 clause: 

3 ‘‘(xv) a member of a recognized pro4 fessional real estate brokerage associa5 tion.’’. 

6 TITLE III—MITIGATION 

7 SEC. 301. INCREASED COST OF COMPLIANCE COVERAGE. 

8 Section 1304(b) of the National Flood Insurance Act 

9 of 1968 (42 U.S.C. 4011(b)) is amended— 

10 (1) in paragraph (4), by redesignating subpara11 graphs (A) through (D) as clauses (i) through (iv), 

12 respectively; 

13 (2) by redesignating paragraphs (1) through 

14 (3) as subparagraphs (A) through (C), respectively; 

15 (3) in subparagraph (C) as so redesignated, by 

16 striking the period at the end and inserting a semi17 colon; 

18 (4) by redesignating paragraph (4) as subpara19 graph (E); 

20 (5) by inserting after subparagraph (C), as so 

21 redesignated, the following: 

22 ‘‘(D) properties identified by the Adminis23 trator as priorities for mitigation activities be24 fore the occurrence of damage to or loss of 


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1 property which is covered by flood insurance; 

2 and’’; 

3 (6) by inserting before ‘‘The national flood in4 surance program’’ the following: ‘‘(1) IN GEN5 ERAL.—’’; 

6 (7) by striking ‘‘The Administrator’’ and insert7 ing the following: 

8 ‘‘(2) PREMIUM.—The Administrator’’; and 

9 (8) by adding at the end the following new 

10 paragraphs: 

11 ‘‘(3) AMOUNT OF COVERAGE.—Each policy for flood 

12 insurance coverage made available under this title shall 

13 provide coverage under this subsection having an aggre14 gate liability for any single property of $60,000. 

15 ‘‘(4) ELIGIBLE MITIGATION ACTIVITIES.— 

16 ‘‘(A) IN GENERAL.—Eligible mitigation meth17 ods the cost of which is covered by coverage provided 

18 under this subsection shall include— 

19 ‘‘(i) alternative methods of mitigation iden20 tified in the guidelines issued pursuant to sec21 tion 1361(d); 

22 ‘‘(ii) pre-disaster mitigation projects for el23 igible structures (as such term is defined in 

24 subparagraph (C)); and 


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1 ‘‘(iii) costs associated with the purchase, 

2 clearing, and stabilization of property that is 

3 part of an acquisition or relocation program 

4 that complies with subparagraph (B). 

5 ‘‘(B) ACQUISITION AND RELOCATION PROJECT

6 ELIGIBILITY AND REQUIREMENTS.— 

7 ‘‘(i) IN GENERAL.—An acquisition or relo8 cation project shall be eligible to receive assist9 ance pursuant to subparagraph (A)(iii) only 

10 if— 

11 ‘‘(I) any property acquired, accepted, 

12 or from which a structure will be removed 

13 shall be dedicated and maintained in per14 petuity for a use that is compatible with 

15 open space, recreational, or wetlands man16 agement practices; and 

17 ‘‘(II) any new structure erected on 

18 such property will be— 

19 ‘‘(aa) a public facility that is 

20 open on all sides and functionally re21 lated to a designated open space; 

22 ‘‘(bb) a restroom; or 

23 ‘‘(cc) a structure that the Admin24 istrator approves in writing before the 


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1 commencement of the construction of 

2 the structure. 

3 ‘‘(ii) FURTHER ASSISTANCE.—If an acqui4 sition or relocation project is assisted pursuant 

5 to subparagraph (A)(iii)— 

6 ‘‘(I) no person may apply to a Federal 

7 entity for disaster assistance with regard 

8 to any property acquired, accepted, or 

9 from which a structure was removed as 

10 part of such acquisition or relocation 

11 project; and 

12 ‘‘(II) no Federal entity may provide 

13 disaster assistance for such property. 

14 ‘‘(iii) REQUIREMENT TO MAINTAIN FLOOD

15 INSURANCE COVERAGE.— 

16 ‘‘(I) IN GENERAL.—Notwithstanding 

17 any other provision of law, any assisted 

18 structure (as such term is defined in sub19 clause (III)) shall, at all times, maintain 

20 insurance against flood damage, in accord21 ance with Federal law, for the life of such 

22 structure. 

23 ‘‘(II) TRANSFER OF PROPERTY.— 

24 ‘‘(aa) DUTY TO NOTIFY.—If any 

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1 sisted structure is located is trans2 ferred, the transferor shall, not later 

3 than the date on which such transfer 

4 occurs, notify the transferee in writ5 ing, including in all documents evi6 dencing the transfer of ownership of 

7 the property of the requirements, that 

8 such transferee is required to— 

9 ‘‘(AA) obtain flood insur10 ance in accordance with applica11 ble Federal law with respect to 

12 such assisted structure, if such 

13 structure is not so insured on the 

14 date on which the structure is 

15 transferred; and 

16 ‘‘(BB) maintain flood insur17 ance in accordance with applica18 ble Federal law with respect to 

19 such structure. 

20 ‘‘(bb) FAILURE TO NOTIFY.—If a 

21 transferor fails to make a notification 

22 in accordance with item (aa) and such 

23 assisted structure is damaged by a 

24 flood disaster, the transferor shall pay 

25 the Federal Government an amount 


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1 equal to the amount of any disaster 

2 relief provided by the Federal govern3 ment with respect to such assisted 

4 structure. 

5 ‘‘(III) ASSISTED STRUCTURE DE6 FINED.—For the purposes of this clause, 

7 the term ‘assisted structure’ means a 

8 structure on property that is part of an ac9 quisition or relocation project assisted pur10 suant to subparagraph (A) that was, as 

11 part of such acquisition or relocation 

12 project— 

13 ‘‘(aa) altered; 

14 ‘‘(bb) improved; 

15 ‘‘(cc) replaced; 

16 ‘‘(dd) repaired; or 

17 ‘‘(ee) restored. 

18 ‘‘(C) ELIGIBLE STRUCTURE DEFINED.—For 

19 purposes of this paragraph, the term ‘eligible struc20 ture’ means any structure that— 

21 ‘‘(i) was constructed in compliance with 

22 the Flood Insurance Rate Map and local build23 ing and zoning codes in effect at the date of 

24 construction of the structure; and 


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1 ‘‘(ii) has not previously been altered, im2 proved, replaced, or repaired using assistance 

3 provided under this subsection. 

4 ‘‘(5) TREATMENT OF COVERAGE LIMITS.—Any 

5 amount of coverage for a property provided pursuant to 

6 this subsection shall not be considered or counted for pur7 poses of any limitation on coverage applicable to such 

8 property under section 1306(b) (42 U.S.C. 4013(b)) and 

9 any claim on such coverage shall not be considered a claim 

10 for purposes of section 1307(h) or subsection (a)(3) or 

11 (h)(3) of section 1366. 

12 ‘‘(6) IMPLEMENTATION.—Notwithstanding any other 

13 provision of law, the Administrator may implement this 

14 subsection by adopting one or more standard endorse15 ments to the Standard Flood Insurance Policy by publica16 tion of such standards in the Federal Register, or by com17 parable means.’’. 

18 SEC. 302. MULTIPLE-LOSS PROPERTIES. 

19 (a) FINANCIAL ASSISTANCE.—Section 1361 of the 

20 National Flood Insurance Act of 1968 (42 U.S.C. 4102) 

21 is amended by adding at the end the following new sub22 section: 

23 ‘‘(e) MULTIPLE-LOSS PROPERTIES.—In making de24 terminations regarding financial assistance under the au25 thorities of this Act, the Administrator may consider the 


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1 extent to which a community is working to remedy prob2 lems with addressing multiple-loss properties. 

3 ‘‘(1) DEFINITIONS.—For purposes of this sub4 section, the following definitions shall apply: 

5 ‘‘(A) MULTIPLE-LOSS PROPERTY.—The 

6 term ‘multiple-loss property’ means any prop7 erty that is a repetitive-loss property, a severe 

8 repetitive-loss property, or an extreme repet9 itive-loss property. 

10 ‘‘(B) REPETITIVE-LOSS PROPERTY.—The 

11 term ‘repetitive-loss property’ means a struc12 ture that has incurred flood-related damage for 

13 which 2 or more separate claims payments of 

14 any amount have been made under flood insur15 ance coverage under this title. 

16 ‘‘(C) SEVERE REPETITIVE-LOSS PROP17 ERTY.—The term ‘severe repetitive-loss prop18 erty’ means a structure that has incurred flood19 related damage described in subparagraph (B) 

20 of section 1307(h)(1). 

21 ‘‘(D) EXTREME REPETITIVE-LOSS PROP22 ERTY.—The term ‘extreme repetitive-loss prop23 erty’ means a structure that has incurred flood24 related damage for which at least 2 separate 

25 claims have been made under flood insurance 


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1 coverage under this title, with the cumulative 

2 amount of such claims payments exceeding 150 

3 percent of the maximum coverage amount avail4 able for the structure.’’. 

5 (b) DEFINITIONS.—Subsection (a) of section 1370 of 

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

7 4121) is amended— 

8 (1) by redesignating paragraphs (8) through 

9 (15) as paragraphs (11) through (18), respectively; 

10 and 

11 (2) by striking paragraph (7) and inserting the 

12 following new paragraphs: 

13 ‘‘(7) MULTIPLE-LOSS PROPERTY.—The term 

14 ‘multiple-loss property’ means any property that is a 

15 repetitive-loss property, a severe repetitive-loss prop16 erty, or an extreme repetitive-loss property. 

17 ‘‘(8) REPETITIVE-LOSS PROPERTY.—The term 

18 ‘repetitive-loss property’ means a structure that has 

19 incurred flood-related damage for which 2 or more 

20 separate claims payments of any amount have been 

21 made under flood insurance coverage under this 

22 title. 

23 ‘‘(9) SEVERE REPETITIVE-LOSS PROPERTY.— 

24 The term ‘severe repetitive-loss property’ means a 


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1 structure that has incurred flood-related damage de2 scribed in subparagraph (B) of section 1307(h)(1). 

3 ‘‘(10) EXTREME REPETITIVE-LOSS PROP4 ERTY.—The term ‘extreme repetitive-loss property’ 

5 means a structure that has incurred flood-related 

6 damage for which at least 2 separate claims have 

7 been made under flood insurance coverage under 

8 this title, with the cumulative amount of such claims 

9 payments exceeding 150 percent of the maximum 

10 coverage amount available for the structure.’’. 

11 (c) CONFORMING AMENDMENTS.—The National 

12 Flood Insurance Act of 1968 is amended— 

13 (1) in section 1304(b)(1) (42 U.S.C. 

14 4011(b)(1)), by striking ‘‘repetitive loss structures’’ 

15 and inserting ‘‘repetitive-loss properties’’; 

16 (2) in section 1307 (42 U.S.C. 4014)— 

17 (A) in subsection (a)(2)(B), by striking 

18 ‘‘repetitive loss property’’ and inserting ‘‘repet19 itive-loss property’’; 

20 (B) in subsection (g)(2)(B), by striking 

21 ‘‘repetitive loss property’’ each place such term 

22 appears and inserting ‘‘repetitive-loss prop23 erty’’; and 

24 (C) by striking subsection (h); 


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1 (3) in section 1315(a)(2)(A)(i) (42 U.S.C. 

2 4022(a)(2)(A)(i)), by striking ‘‘repetitive loss struc3 ture’’ and inserting ‘‘repetitive-loss property’’; and 

4 (4) in section 1366 (42 U.S.C. 4104c)— 

5 (A) in subsection (a)(2), by striking ‘‘re6 petitive loss structures’’ and inserting ‘‘repet7 itive-loss properties’’; 

8 (B) in subsection (c)(2)(A)(ii), by striking 

9 ‘‘repetitive loss structures’’ and inserting ‘‘re10 petitive-loss properties’’; 

11 (C) in subsection (d)— 

12 (i) in paragraph (1)— 

13 (I) in the paragraph heading, by 

14 striking ‘‘REPETITIVE LOSS STRUC15 TURES’’ and inserting ‘‘REPETITIVE16 LOSS PROPERTIES’’; and 

17 (II) in the matter preceding sub18 paragraph (A), by striking ‘‘repetitive 

19 loss structures’’ and inserting ‘‘repet20 itive-loss properties’’; and 

21 (ii) in paragraph (2)— 

22 (I) in the paragraph heading, by 

23 striking ‘‘REPETITIVE LOSS STRUC24 TURES’’ and inserting ‘‘REPETITIVE25 LOSS PROPERTIES’’; and 


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1 (II) by striking ‘‘repetitive loss 

2 structures’’ and inserting ‘‘repetitive3 loss properties’’; and 

4 (D) in subsection (h), by striking para5 graphs (2) and (3). 

6 SEC. 303. PREMIUM RATES FOR CERTAIN MITIGATED PROP7 ERTIES. 

8 (a) MITIGATION STRATEGIES.—Paragraph (1) of sec9 tion 1361(d) of the National Flood Insurance Act of 1968 

10 (42 U.S.C. 4102(d)(1)) is amended— 

11 (1) in subparagraph (A), by striking ‘‘and’’ at 

12 the end; 

13 (2) in subparagraph (B), by striking ‘‘and’’ at 

14 the end; and 

15 (3) by inserting after subparagraph (B) the fol16 lowing new subparagraphs: 

17 ‘‘(C) with respect to buildings in dense 

18 urban environments, methods that can be de19 ployed on a block or neighborhood scale; and 

20 ‘‘(D) elevation of mechanical or other crit21 ical systems; and’’. 

22 (b) MITIGATION CREDIT.—Subsection (k) of section 

23 1308 of the National Flood Insurance Act of 1968 (42 

24 U.S.C. 4015(k)) is amended— 


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1 (1) by striking ‘‘shall take into account’’ and 

2 inserting the following: ‘‘shall— 

3 ‘‘(1) take into account’’; 

4 (2) in paragraph (1), as so designated by the 

5 amendment made by paragraph (1) of this sub6 section, by striking the period at the end and insert7 ing ‘‘; and’’; and 

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

9 paragraph: 

10 ‘‘(2) offer a reduction of the risk premium rate 

11 charged to a policyholder, as determined by the Ad12 ministrator, if the policyholder implements any miti13 gation method described in paragraph (1).’’. 

14 SEC. 304. COVERAGE FOR COOPERATIVES. 

15 (a) EQUAL TREATMENT WITH CONDOMINIUMS.— 

16 Section 1306 of the National Flood Insurance Act of 1968 

17 (42 U.S.C. 4013) is amended by adding at the end the 

18 following: 

19 ‘‘(e) COOPERATIVE BUILDINGS.—Notwithstanding 

20 any other provision of law, the Administrator shall make 

21 flood insurance coverage available to any individual with 

22 a membership interest and occupancy agreement in a co23 operative housing project on the same terms as any owner 

24 of a condominium.’’. 


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1 (b) PAYMENT OF CLAIMS.—Section 1312 of the Na2 tional Flood Insurance Act of 1968 (42 U.S.C. 4019) is 

3 amended— 

4 (1) in subsection (c)— 

5 (A) by striking ‘‘flood insurance to condo6 minium owners’’ and inserting the following: 

7 ‘‘flood insurance— 

8 ‘‘(1) to condominium owners’’; 

9 (B) by striking the period at the end and 

10 inserting ‘‘; or’’; 

11 (C) by adding at the end the following: 

12 ‘‘(2) to individuals with a membership interest 

13 and occupancy agreement in a cooperative housing 

14 project who purchased such flood insurance separate 

15 and apart from the flood insurance purchased by the 

16 cooperative association in which such individual is a 

17 member, based solely, or in any part, on the flood 

18 insurance coverage of the cooperative association or 

19 others on the overall property owned by the coopera20 tive association.’’; and 

21 (2) by adding at the end the following: 

22 ‘‘(d) DEFINITIONS.—For purposes of this section and 

23 section 1306(e), the terms ‘cooperative association’ and 

24 ‘cooperative housing project’ shall have such meaning as 

25 the Secretary shall provide.’’. 


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1 SEC. 305. VOLUNTARY COMMUNITY-BASED FLOOD INSUR2 ANCE PILOT PROGRAM. 

3 (a) ESTABLISHMENT.—The Administrator of the 

4 Federal Emergency Management Agency (in this section 

5 referred to as the ‘‘Administrator’’) shall carry out a com6 munity-based flood insurance pilot program to make avail7 able, for purchase by participating communities, a single, 

8 community-wide flood insurance policy under the National 

9 Flood Insurance Program that— 

10 (1) covers all residential and non-residential 

11 properties within the community; and 

12 (2) satisfies, for all such properties within the 

13 community, the mandatory purchase requirements 

14 under section 102 of the Flood Disaster Protection 

15 Act of 1973 (42 U.S.C. 4012a). 

16 (b) PARTICIPATION.—Participation by a community 

17 in the pilot program under this section shall be at the sole 

18 discretion of the community. 

19 (c) REQUIREMENTS FOR COMMUNITY-WIDE POLI20 CIES.—The Administrator shall ensure that a community21 wide flood insurance policy made available under the pilot 

22 program under this section incorporates the following re23 quirements: 

24 (1) A mapping requirement for properties cov25 ered by the policy. 

26 (2) A deductible. 


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1 (3) Certification or accreditation of mitigation 

2 infrastructure when available and appropriate. 

3 (4) A community audit. 

4 (5) A method of preventing redundant claims 

5 payments by the National Flood Insurance Program 

6 in the case of a claim by an individual property 

7 owner who is covered by a community-wide flood in8 surance policy and an individual policy obtained 

9 through the Program. 

10 (6) Coverage for damage arising from flooding 

11 that complies with the standards under the National 

12 Flood Insurance Program appropriate to the nature 

13 and type of property covered. 

14 (d) TIMING.—The Administrator may establish the 

15 demonstration program under this section not later than 

16 the expiration of the 180-day period beginning on the date 

17 of the enactment of this Act and the program shall termi18 nate on September 30, 2022. 

19 (e) DEFINITION OF COMMUNITY.—For purposes of 

20 this section, the term ‘‘community’’means any unit of local 

21 government, within the meaning given such term under 

22 the laws of the applicable State. 

23 SEC. 306. MITIGATION FUNDING. 

24 For each of the first 5 fiscal years beginning after 

25 following the date of the enactment of this Act, there is 


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1 authorized to be appropriated $200,000,000 to carry out 

2 the flood mitigation assistance grant program under sec3 tion 1366 of the National Flood Insurance Act of 1968 

4 (42 U.S.C. 4104c). 

5 SEC. 307. COMMUNITY RATING SYSTEM IMPROVEMENTS. 

6 (a) PROVISION OF COMMUNITY RATING SYSTEM

7 PREMIUM CREDITS TO MAXIMUM NUMBER OF COMMU8 NITIES PRACTICABLE.—Subsection (b) of section 1315 of 

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

10 4022(b)) is amended— 

11 (1) in paragraph (2), by striking ‘‘may’’ and in12 serting ‘‘shall’’; and 

13 (2) in paragraph (3), by inserting ‘‘, and the 

14 Administrator shall provide credits to the maximum 

15 number of communities practicable’’ after ‘‘under 

16 this program’’. 

17 (b) GRANTS FOR COMMUNITY RATING SYSTEM PRO18 GRAM COORDINATORS.—Section 1315 of the National 

19 Flood Insurance Act of 1968 (42 U.S.C. 4022) is amended 

20 by adding at the end the following new subsection: 

21 ‘‘(c) GRANTS FOR COMMUNITY RATING SYSTEM PRO22 GRAM COORDINATORS.— 

23 ‘‘(1) AUTHORITY.—The Administrator shall 

24 carry out a program to make grants to consortia of 

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1 ploying or otherwise retaining an individual or indi2 viduals to coordinate and carry out responsibilities 

3 relating to participation in the community rating 

4 system program under subsection (b) for States and 

5 communities that are members of such consortia. 

6 ‘‘(2) ELIGIBILITY.—The Administrator shall es7 tablish such criteria as the Administrator considers 

8 appropriate for a consortium of States and commu9 nities to be eligible for grants under this subsection, 

10 which shall include requiring a consortium to provide 

11 evidence to the Administrator that the consortium 

12 has sufficient authority and administrative capability 

13 to use grant amounts in accordance with this sub14 section on behalf of its member jurisdictions. 

15 ‘‘(3) TIMING.—A consortium receiving a grant 

16 under this section shall establish the position or po17 sitions described in paragraph (1), and employ or 

18 otherwise retain an individual or individuals to fill 

19 such position or positions, not later than the date 

20 that all such grant amounts are expended. 

21 ‘‘(4) APPLICATIONS.—The Administrator shall 

22 provide for consortia of States and communities to 

23 submit applications for grants under this subsection, 

24 which shall include— 


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1 ‘‘(A) the evidence referred to in paragraph 

2 (2); 

3 ‘‘(B) such assurances as the Administrator 

4 shall require to ensure compliance with the re5 quirement under paragraph (3); 

6 ‘‘(C) such assurances as the Administrator 

7 shall require to ensure that the consortia will 

8 provide funding sufficient to continue the posi9 tion or positions funded with the grant 

10 amounts, in the same annual amount as under 

11 such grant funding, after such grant funds are 

12 expended; and 

13 ‘‘(D) such other information as the Admin14 istrator may require. 

15 ‘‘(5) SELECTION.—From among eligible con16 sortia of States and communities submitting applica17 tions pursuant to paragraph (3), the Administrator 

18 shall select consortia to receive grants under this 

19 subsection in accordance with such competitive cri20 teria for such section as the Administrator shall es21 tablish. 

22 ‘‘(6) DEFINITION OF COMMUNITY.—For pur23 poses of this section, the term ‘community’ has the 

24 meaning given such term in section 1366(h) (42 

25 U.S.C. 4104c(h)), except that such term includes 


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1 counties and regional planning authorities that do 

2 not have zoning and building code jurisdiction. 

3 ‘‘(7) AUTHORIZATION OF APPROPRIATIONS.— 

4 There is authorized to be appropriated for grants 

5 under this subsection— 

6 ‘‘(A) $7,000,000 for the first fiscal year 

7 commencing after the expiration of the 4-month 

8 period beginning on the date of the enactment 

9 of this Act; and 

10 ‘‘(B) $7,000,000 for each of the four con11 secutive fiscal years thereafter.’’. 

12 SEC. 308. COMMUNITY ASSISTANCE PROGRAM FOR EFFEC13 TIVE FLOODPLAIN MANAGEMENT. 

14 (a) IN GENERAL.—Chapter I of the National Flood 

15 Insurance Act of 1968 (42 U.S.C. 4011 et seq.) is amend16 ed by adding at the end the following: 

17 ‘‘SEC. 1326. COMMUNITY ASSISTANCE PROGRAM FOR EF18 FECTIVE FLOODPLAIN MANAGEMENT. 

19 ‘‘(a) IN GENERAL.—The Administrator shall estab20 lish a community assistance program under this section 

21 to increase the capacity and capability of States, Indian 

22 tribes, and communities to effectively manage flood risk 

23 and participate in the national flood insurance program, 

24 including the community rating system program under 


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1 section 1315(b), by providing financial and technical as2 sistance to States, tribes and communities. 

3 ‘‘(b) COMPONENTS.—The community assistance pro4 gram under this program shall include— 

5 ‘‘(1) making community assistance grants 

6 under subsection (c) to States; 

7 ‘‘(2) conducting periodic assessments, not less 

8 often than once every 5 years, of the technical as9 sistance and training needs of States, Indian tribes, 

10 and communities; 

11 ‘‘(3) providing technical assistance and training 

12 to States, Indian tribes, and communities in accord13 ance with the needs identified by such assessments; 

14 ‘‘(4) conducting periodic reviews of State, In15 dian tribe, and community floodplain management 

16 standards by the Administrator to promote contin17 uous improvement in building and maintaining effec18 tive State floodplain management programs (as such 

19 term is defined in subsection (d)); 

20 ‘‘(5) conducting periodic estimates of the losses 

21 avoided nationally due to the adoption of qualifying 

22 floodplain management standards by States, Indian 

23 tribes and communities; 


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1 ‘‘(6) in coordination with each State receiving a 

2 grant under subsection (c), developing and executing 

3 a strategy to— 

4 ‘‘(A) provide technical and financial assist5 ance to communities, including small and rural 

6 communities, and Indian tribes within the 

7 State; and 

8 ‘‘(B) encourage greater participation in the 

9 community rating system program; and 

10 ‘‘(7) establishing goals for States participating 

11 in the program and incentives for exceeding such 

12 goals. 

13 ‘‘(c) COMMUNITY ASSISTANCE GRANTS TO

14 STATES.— 

15 ‘‘(1) IN GENERAL.—Under the program under 

16 this section the Administrator may award grants to 

17 States, which shall be used only— 

18 ‘‘(A) to increase the capacity and capa19 bility of the State and communities and Indian 

20 tribes in the State to effectively manage flood 

21 risk and to fully participate in the national 

22 flood insurance program, including the commu23 nity rating system program; and 

24 ‘‘(B) for activities related to implementa25 tion, administration, oversight, and enforcement 


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1 of the national flood insurance program at the 

2 State and local and tribal levels. 

3 ‘‘(2) GUIDELINES.—The Administrator shall es4 tablish guidelines governing the use of grant funds 

5 under this subsection, including setting forth activi6 ties eligible to be funded with such amounts. 

7 ‘‘(3) ELIGIBILITY.—To be eligible to receive a 

8 grant under this subsection, a State shall— 

9 ‘‘(A) demonstrate, to the satisfaction of 

10 the Administrator, that the State has in effect 

11 qualifying State floodplain management stand12 ards for the State; 

13 ‘‘(B) agree to submit such reports, certifi14 cations, and information to the Administrator 

15 as the Administrator shall require, including 

16 those required under paragraph (5); and 

17 ‘‘(C) meet any additional eligibility require18 ments as the Administrator may require. 

19 ‘‘(4) APPLICATION; SELECTION CRITERIA.—The 

20 Administrator shall provide for States to submit ap21 plications for grants under this subsection, which 

22 shall include such information, assurances, and cer23 tifications as the Administrator may require, and 

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1 plications to be selected for grants under this sub2 section. 

3 ‘‘(5) ONGOING REVIEW OF FLOODPLAIN MAN4 AGEMENT STANDARDS.—Each State that is awarded 

5 funds under this section shall provide periodic re6 ports, certifications, and information regarding the 

7 floodplain management standards of such State as 

8 the Administrator may require for the duration of 

9 the use of grant amounts. 

10 ‘‘(d) DEFINITIONS.—For purposes of this section: 

11 ‘‘(1) INDIAN TRIBE.—The term ‘Indian tribe’ 

12 has the meaning given such term in section 4 of the 

13 Native American Housing Assistance and Self-De14 termination Act of 1996 (25 U.S.C. 4103). 

15 ‘‘(2) QUALIFYING STATE FLOODPLAIN MANAGE16 MENT STANDARDS.—The term ‘qualifying State 

17 floodplain management standards’ means the flood18 plain management standards of a State that— 

19 ‘‘(A) are specifically authorized under 

20 State law and do not conflict with or inhibit the 

21 implementation of the National Flood Insur22 ance Act of 1968; 

23 ‘‘(B) designate an entity responsible for co24 ordinating the national flood insurance program 

25 in the State; 


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1 ‘‘(C) identify State resources and programs 

2 to manage floodplains and reduce flood risk; 

3 ‘‘(D) address on a long-term basis— 

4 ‘‘(i) integration of floodplain manage5 ment activities with other State functions 

6 and activities; 

7 ‘‘(ii) identification of flood hazards; 

8 ‘‘(iii) management of natural flood9 plain functions and resources; 

10 ‘‘(iv) elimination of adverse impacts of 

11 development on the floodplain; 

12 ‘‘(v) flood mitigation and recovery 

13 strategies for the State; 

14 ‘‘(vi) strategies for informing commu15 nities and citizens about flood risk and 

16 mitigation options; and 

17 ‘‘(vii) measures for evaluating the ef18 fectiveness of State floodplain management 

19 efforts; 

20 ‘‘(E) include a long-term plan that will fa21 cilitate the prioritization and provision of train22 ing and technical assistance to communities and 

23 Indian tribes in the State to increase local and 

24 tribal capacity and capability for floodplain 

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1 bility to participate in the national flood insur2 ance program and the community rating system 

3 program; 

4 ‘‘(F) provide for oversight, administration 

5 and enforcement of the national flood insurance 

6 program at the State and community levels; 

7 and 

8 ‘‘(G) meet such other requirements as the 

9 Administrator may establish. 

10 ‘‘(e) FUNDING.— 

11 ‘‘(1) AUTHORIZATION OF APPROPRIATIONS.— 

12 There is authorized to be appropriated $20,000,000 

13 for each of fiscal years 2019 through 2024 for the 

14 National Flood Insurance Fund for carrying out this 

15 section. Any amounts appropriated pursuant to this 

16 subsection shall remain available until expended. 

17 ‘‘(2) SET-ASIDES.—From any amounts made 

18 available for grants under this section, the Adminis19 trator may reserve such amount as the Adminis20 trator considers appropriate— 

21 ‘‘(A) for community assistance grants 

22 under subsection (c) to States; and 

23 ‘‘(B) for additional assistance only for 

24 States exceeding the goals established pursuant 

25 to subsection (b)(8).’’. 


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1 (b) USE OF NATIONAL FLOOD INSURANCE FUND

2 AMOUNTS.—Subsection (a) of section 1310 of the Na3 tional Flood Insurance Act of 1968 (42 U.S.C. 4017(a)) 

4 is amended— 

5 (1) in paragraph (7), by striking ‘‘and’’ at the 

6 end; 

7 (2) in paragraph (8), by striking the period at 

8 the end and inserting ‘‘; and’’; and 

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

10 ‘‘(9) for carrying out the community assistance 

11 program for effective floodplain management under 

12 section 1326.’’. 

13 TITLE IV—MODERNIZATION 

14 SECTION 401. EFFECT OF PRIVATE FLOOD INSURANCE 

15 COVERAGE ON CONTINUOUS COVERAGE RE16 QUIREMENTS. 

17 Section 1308 of the National Flood Insurance Act of 

18 1968 (42 U.S.C. 4015) is amended by adding at the end 

19 the following: 

20 ‘‘(n) EFFECT OF PRIVATE FLOOD INSURANCE COV21 ERAGE ON CONTINUOUS COVERAGE REQUIREMENTS.— 

22 For purposes of applying any statutory, regulatory, or ad23 ministrative continuous coverage requirement, including 

24 under section 1307(g)(1), the Administrator shall consider 

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1 ered by a flood insurance policy, either offered through 

2 the national flood insurance program or private market, 

3 that was used to satisfy the requirements under section 

4 102(a) of the Flood Disaster Protection Act of 1973 (42 

5 U.S.C. 4012a(a)) to be a period of continuous coverage.’’. 

6 SEC. 402. OPTIONAL COVERAGE FOR UMBRELLA POLICIES. 

7 Subsection (b) of section 1306 of the National Flood 

8 Insurance Act of 1968 (42 U.S.C. 4013(b)), is amended— 

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

10 end; 

11 (2) in paragraph (5), by striking the period at 

12 the end and inserting ‘‘; and’’; and 

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

14 paragraph: 

15 ‘‘(5) the Administrator may provide that, in the 

16 case of any commercial property or other residential 

17 property, including multifamily rental property and 

18 agricultural property, one umbrella policy be made 

19 available to every insured upon renewal and every 

20 applicant with multiple structures on the same prop21 erty, except that— 

22 ‘‘(A) purchase of such coverage shall be at 

23 the option of the insured; and 

24 ‘‘(B) any such coverage shall be made 

25 available only at chargeable rates that are not 


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1 less than the estimated premium rates for such 

2 coverage determined in accordance with section 

3 1307(a)(1).’’. 

4 SEC. 403. ANNUAL INDEPENDENT ACTUARIAL STUDY. 

5 Part C of chapter 2 of the National Flood Insurance 

6 Act of 1968 (42 U.S.C. 4081 et seq.) is amended by add7 ing at the end the following new section: 

8 ‘‘SEC. 1349. ANNUAL INDEPENDENT ACTUARIAL STUDY. 

9 ‘‘The Administrator shall provide for an independent 

10 actuarial study of the National Flood Insurance Program 

11 to be conducted annually, which shall analyze the financial 

12 position of the Program. The Administrator shall submit 

13 a report annually to the Congress describing the results 

14 of such study and assessing the financial status of the 

15 Program. The report shall recommend adjustments to un16 derwriting standards, program participation, or pre17 miums, if necessary, to ensure that the Program remains 

18 financially sound. The report shall also include an evalua19 tion of the quality control procedures and accuracy of in20 formation utilized in the process of underwriting National 

21 Flood Insurance Program policies. Such evaluation shall 

22 include a review of the risk characteristics of policies.’’. 

Æ 


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