II 

Calendar No. 501 

109TH CONGRESS 

2D SESSION H. R. 4973 

IN THE SENATE OF THE UNITED STATES 

JUNE 28, 2006 

Received; read twice and placed on the calendar 

AN ACT 

To restore the financial solvency of 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 AND TABLE OF CONTENTS. 

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

5 ‘‘Flood Insurance Reform and Modernization Act of 

6 2006’’. 

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

8 this Act is as follows: 

Sec. 1. Short title and table of contents. 

Sec. 2. Findings and purposes. 

Sec. 3. Study regarding status of pre-FIRM properties and mandatory purchase requirement for natural 100-year floodplain and nonFederally related loans. 

Sec. 4. Phase-in of actuarial rates for nonresidential properties and non-primary residences. 


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Sec. 5. Waiting period for effective date of policies. 

Sec. 6. Enforcement. 

Sec. 7. Maximum coverage limits. 

Sec. 8. Coverage for additional living expenses, basement improvements, business interruption, and replacement cost of contents. 

Sec. 9. Increase in annual limitation on premium increases. 

Sec. 10. Increase in borrowing authority. 

Sec. 11. FEMA participation in State disaster claims mediation programs. 

Sec. 12. FEMA reports on financial status of insurance program. 

Sec. 13. Extension of pilot program for mitigation of severe repetitive loss properties. 

Sec. 14. Notice of availability of flood insurance and escrow in RESPA good 

faith estimate. 

Sec. 15. Reiteration of FEMA responsibilities under 2004 Reform Act. 

Sec. 16. Updating of flood maps and elevation standards. 

Sec. 17. Notification and appeal of map changes; notification of establishment 

of flood elevations. 

Sec. 18. National levee inventory. 

Sec. 19. Clarification of replacement cost provisions, forms, and policy language. 

Sec. 20. Authorization of additional FEMA staff. 

Sec. 21. Investigation of write-your-own insurers’ adjustment of claims relating 

to Hurricane Katrina. 

Sec. 22. Eligibility of property demolition and rebuilding for mitigation assistance program. 

Sec. 23. Sampling methods for quality assurance. 

Sec. 24. Extension of deadline for filing proof of loss. 

1 SEC. 2. FINDINGS AND PURPOSES. 

2 (a) FINDINGS.—The Congress finds that— 

3 (1) flooding has been shown to occur in all 50 

4 States; 

5 (2) the aggregate amount of the flood insurance 

6 claims resulting from Hurricane Katrina, Hurricane 

7 Rita, and other recent events has exceeded the ag8 gregate amount of all claims previously paid in the 

9 history of the national flood insurance program, re10 quiring a significant increase in the program’s bor11 rowing authority; 

12 (3) flood insurance policyholders have a legiti13 mate expectation that they will receive fair and timeVerDate Aug 31 2005 23:14 Jun 28, 2006 Jkt 049196 PO 00000 Frm 00002 Fmt 6652 Sfmt 6201 E:\BILLS\H4973.PCS H4973

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1 ly compensation for losses covered under their poli2 cies; 

3 (4) substantial flooding has occurred, and will 

4 likely occur again, outside the areas designated by 

5 the Federal Emergency Management Agency as 

6 flood hazard areas; 

7 (5) properties located in low- to moderate-risk 

8 areas are eligible to purchase flood insurance policies 

9 with premiums as low as $112 a year; 

10 (6) about 450,000 vacation homes, second 

11 homes, and commercial properties are subsidized 

12 and are not paying actuarially sound rates for flood 

13 insurance; 

14 (7) phasing out subsidies currently extended to 

15 vacation homes, second homes, and commercial 

16 properties would result in estimated average savings 

17 to the taxpayers of the United States and the na18 tional flood insurance program of $335,000,000 

19 each year; 

20 (8) the maximum coverage limits for flood in21 surance policies should be increased to reflect infla22 tion and the increased cost of housing; 

23 (9) significant reforms to the national flood in24 surance program required in the Bunning-BereuterVerDate Aug 31 2005 23:14 Jun 28, 2006 Jkt 049196 PO 00000 Frm 00003 Fmt 6652 Sfmt 6201 E:\BILLS\H4973.PCS H4973

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1 Blumenauer Flood Insurance Reform Act of 2004 

2 have yet to be implemented; and 

3 (10) in addition to reforms required in the 

4 Bunning-Bereuter-Blumenauer Flood Insurance Re5 form Act of 2004, the national flood insurance pro6 gram requires a modernized and updated adminis7 trative model to ensure that the program is solvent 

8 and the people of the United States have continued 

9 access to flood insurance. 

10 (b) PURPOSES.—The purposes of this Act are— 

11 (1) to protect the integrity of the national flood 

12 insurance program by fully funding existing legal ob13 ligations expected by existing policyholders who have 

14 paid policy premiums in return for flood insurance 

15 coverage; 

16 (2) to increase incentives for homeowners and 

17 communities to participate in the national flood in18 surance program and to improve oversight to ensure 

19 full participation in the program for owners of prop20 erties for which such participation is mandatory; and 

21 (3) to increase awareness of homeowners of 

22 flood risks and improve the quality of information 

23 regarding such risks provided to homeowners. 


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1 SEC. 3. STUDY REGARDING STATUS OF PRE-FIRM PROP2 ERTIES AND MANDATORY PURCHASE RE3 QUIREMENT FOR NATURAL 100-YEAR FLOOD4 PLAIN AND NON-FEDERALLY RELATED 

5 LOANS. 

6 (a) IN GENERAL.—The Comptroller General shall 

7 conduct a study as follows: 

8 (1) PRE-FIRM PROPERTIES.—The study shall 

9 determine the status of the national flood insurance 

10 program, as of the date of the enactment of this Act, 

11 with respect to the provision of flood insurance cov12 erage for pre-FIRM properties (as such term is de13 fined in section 578(b) of the National Flood Insur14 ance Reform Act of 1994 (42 U.S.C. 4014 note)), 

15 which shall include determinations of— 

16 (A) the number of pre-FIRM properties 

17 for which coverage is provided and the extent of 

18 such coverage; 

19 (B) the cost of providing coverage for such 

20 pre-FIRM properties to the national flood in21 surance program; 

22 (C) the anticipated rate at which such pre23 FIRM properties will cease to be covered under 

24 the program; 

25 (D) the effects that implementation of the 

26 Bunning-Bereuter-Blumenauer Flood Insurance 


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1 Reform Act of 2004 will have on the national 

2 flood insurance program generally and on cov3 erage of pre-FIRM properties under the pro4 gram; and 

5 (E) the extent to which eligibility stand6 ards for pre-FIRM properties were inconsistent 

7 and resulted in disparities in coverage among 

8 such properties. 

9 (2) MANDATORY PURCHASE REQUIREMENT FOR

10 NATURAL 100-YEAR FLOODPLAIN.—The study shall 

11 assess the impact, effectiveness, and feasibility of 

12 amending the provisions of the Flood Disaster Pro13 tection Act of 1973 regarding the properties that are 

14 subject to the mandatory flood insurance coverage 

15 purchase requirements under such Act to extend 

16 such requirements to properties located in any area 

17 that would be designated as an area having special 

18 flood hazards but for the existence of a structural 

19 flood protection system, and shall determine— 

20 (A) the regulatory, financial and economic 

21 impacts of extending such mandatory purchase 

22 requirements on the costs of homeownership, 

23 the actuarial soundness of the national flood in24 surance program, the Federal Emergency ManVerDate Aug 31 2005 23:14 Jun 28, 2006 Jkt 049196 PO 00000 Frm 00006 Fmt 6652 Sfmt 6201 E:\BILLS\H4973.PCS H4973

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1 agement Agency, local communities, insurance 

2 companies, and local land use; 

3 (B) the effectiveness of extending such 

4 mandatory purchase requirements in protecting 

5 homeowners from financial loss and in pro6 tecting the financial soundness of the national 

7 flood insurance program; and 

8 (C) any impact on lenders of complying 

9 with or enforcing such extended mandatory re10 quirements. 

11 (3) MANDATORY PURCHASE REQUIREMENT FOR

12 NON-FEDERALLY RELATED LOANS.—The study shall 

13 assess the impact, effectiveness, and feasibility of, 

14 and basis under the Constitution of the United 

15 States for, amending the provisions of the Flood 

16 Disaster Protection Act of 1973 regarding the prop17 erties that are subject to the mandatory flood insur18 ance coverage purchase requirements under such Act 

19 to extend such requirements to any property that is 

20 located in any area having special flood hazards and 

21 which secures the repayment of a loan that is not 

22 described in paragraph (1), (2), or (3) of section 

23 102(b) of such Act, and shall determine how best to 

24 administer and enforce such a requirement, taking 


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1 into consideration other insurance purchase require2 ments under Federal and State law. 

3 (b) REPORT.—The Comptroller General shall submit 

4 a report to the Congress regarding the results and conclu5 sions of the study under this subsection not later than the 

6 expiration of the 6-month period beginning on the date 

7 of the enactment of this Act. 

8 SEC. 4. PHASE-IN OF ACTUARIAL RATES FOR NONRESIDEN9 TIAL PROPERTIES, CERTAIN PRE-FIRM PROP10 ERTIES, AND NON-PRIMARY RESIDENCES. 

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

12 Flood Insurance Act of 1968 (42 U.S.C. 4015(c)) is 

13 amended— 

14 (1) by redesignating paragraph (2) as para15 graph (4); and 

16 (2) by inserting after paragraph (1) the fol17 lowing new paragraphs: 

18 ‘‘(2) NONRESIDENTIAL PROPERTIES.—Any non19 residential property. 

20 ‘‘(3) NON-PRIMARY RESIDENCES.—Any residen21 tial property that is not the primary residence of an 

22 individual. 

23 ‘‘(4) RECENTLY PURCHASED PRE-FIRM PROP24 ERTIES.—Any property that— 


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1 ‘‘(A) has been constructed or substantially 

2 improved and for which such construction or 

3 improvement was started, as determined by the 

4 Director, before December 31, 1974, or before 

5 the effective date of the initial rate map pub6 lished by the Director under paragraph (2) of 

7 section 1360 for the area in which such prop8 erty is located, whichever is later; and 

9 ‘‘(B) is purchased after the date of the en10 actment of the Flood Insurance Reform and 

11 Modernization Act of 2006.’’. 

12 (b) TECHNICAL AMENDMENTS.—Section 1308 of the 

13 National Flood Insurance Act of 1968 (42 U.S.C. 4015) 

14 is amended— 

15 (1) in subsection (c)— 

16 (A) in the matter preceding paragraph (1), 

17 by striking ‘‘Subject only to the limitations pro18 vided under paragraphs (1) and (2), the’’ and 

19 inserting ‘‘The’’; and 

20 (B) in paragraph (1), by striking ‘‘, ex21 cept’’ and all that follows through ‘‘subsection 

22 (e)’’; and 

23 (2) in subsection (e), by striking ‘‘paragraph 

24 (2) or (3)’’ and inserting ‘‘paragraph (4)’’. 

25 (c) EFFECTIVE DATE AND TRANSITION.— 


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1 (1) EFFECTIVE DATE.—The amendments made 

2 by subsections (a) and (b) shall apply beginning on 

3 the submission to the Congress, by the Director of 

4 the Federal Emergency Management Agency, of the 

5 report required under section 16(b)(2), except as 

6 provided in paragraph (2) of this subsection. 

7 (2) TRANSITION.—In the case of any property 

8 described in paragraph (2), (3), or (4) of section 

9 1308(c) of the National Flood Insurance Act of 

10 1968, as amended by subsection (a) of this section, 

11 that, on the effective date under paragraph (1) of 

12 this subsection, is covered under a policy for flood 

13 insurance made available under the national flood 

14 insurance program for which the chargeable pre15 mium rates are less than the applicable estimated 

16 risk premium rate under section 1307(a)(1) for the 

17 area in which the property is located, the Director 

18 of the Federal Emergency Management Agency shall 

19 increase the chargeable premium rates for such 

20 property over time to such applicable estimated risk 

21 premium rate under section 1307(a)(1). Such in22 crease shall be made by increasing the chargeable 

23 premium rates for the property (after application of 

24 any increase in the premium rates otherwise applica25 ble to such property) by 15 percent (or such lesser 


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1 amount as may be necessary so that the chargeable 

2 rate does not exceed such applicable estimated risk 

3 premium rate) once during the 12-month period that 

4 begins upon the effective date under paragraph (1) 

5 of this subsection and once every 12 months there6 after until such increase is accomplished. The provi7 sions of paragraphs (2), (3), and (4) of such section 

8 1308(c) shall apply to such a property upon the ac9 complishment of such increase and thereafter. 

10 SEC. 5. WAITING PERIOD FOR EFFECTIVE DATE OF POLI11 CIES. 

12 (a) REDUCTION.—Section 1306(c)(1) of the National 

13 Flood Insurance Act of 1968 (42 U.S.C. 4013(c)(1)) is 

14 amended by striking ‘‘30-day’’ and inserting ‘‘15-day’’. 

15 (b) EXCEPTION.—Section 1306(c)(2)(A) of the Na16 tional Flood Insurance Act of 1968 (42 U.S.C. 

17 4013(c)(2)(A)) is amended by inserting before the semi18 colon the following: ‘‘or is in connection with the purchase 

19 or other transfer of the property for which the coverage 

20 is provided (regardless of whether a loan is involved in 

21 the purchase or transfer transaction). 

22 SEC. 6. ENFORCEMENT. 

23 Section 102(f) of the Flood Disaster Protection Act 

24 of 1973 (42 U.S.C. 4012a(f)) is amended— 

25 (1) in paragraph (5)— 


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1 (A) in the first sentence, by striking 

2 ‘‘$350’’ and inserting ‘‘$2,000’’; and 

3 (B) in the last sentence, by striking 

4 ‘‘$100,000’’ and inserting ‘‘$1,000,000; except 

5 that such limitation shall not apply to a regu6 lated lending institution or enterprise for a cal7 endar year if, in any three (or more) of the five 

8 calendar years immediately preceding such cal9 endar year, the total amount of penalties as10 sessed under this subsection against such lend11 ing institution or enterprise was $1,000,000’’; 

12 and 

13 (2) in paragraph (6), by adding after the period 

14 at the end the following: ‘‘No penalty may be im15 posed under this subsection on a regulated lending 

16 institution or enterprise that has made a good faith 

17 effort to comply with the requirements of the provi18 sions referred to in paragraph (2) or for any non19 material violation of such requirements.’’. 

20 SEC. 7. MAXIMUM COVERAGE LIMITS. 

21 Subsection (b) of section 1306 of the National Flood 

22 Insurance Act of 1968 (42 U.S.C. 4013(b)) is amended— 

23 (1) in paragraph (2), by striking ‘‘$250,000’’ 

24 and inserting ‘‘$335,000’’; 


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1 (2) in paragraph (3), by striking ‘‘$100,000’’ 

2 and inserting ‘‘$135,000’’; and 

3 (3) in paragraph (4), by striking ‘‘$500,000’’ 

4 each place such term appears and inserting 

5 ‘‘$670,000’’. 

6 SEC. 8. COVERAGE FOR ADDITIONAL LIVING EXPENSES, 

7 BASEMENT IMPROVEMENTS, BUSINESS 

8 INTERRUPTION, AND REPLACEMENT COST 

9 OF CONTENTS. 

10 Subsection (b) of section 1306 of the National Flood 

11 Insurance Act of 1968 (42 U.S.C. 4013) is amended— 

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

13 end; 

14 (2) in paragraph (5)— 

15 (A) by inserting ‘‘pursuant to paragraph 

16 (2), (3), or (4)’’ after ‘‘any flood insurance cov17 erage’’; and 

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

19 inserting a semicolon; and 

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

21 paragraphs: 

22 ‘‘(6) in the case of any residential property, 

23 each renewal or new contract for flood insurance 

24 coverage shall provide not less than $1,000 aggre25 gate liability per dwelling unit for any necessary inVerDate Aug 31 2005 23:14 Jun 28, 2006 Jkt 049196 PO 00000 Frm 00013 Fmt 6652 Sfmt 6201 E:\BILLS\H4973.PCS H4973

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1 creases in living expenses incurred by the insured 

2 when losses from a flood make the residence unfit to 

3 live in, which coverage shall be available only at 

4 chargeable rates that are not less than the estimated 

5 premium rates for such coverage determined in ac6 cordance with section 1307(a)(1); 

7 ‘‘(7) in the case of any residential property, op8 tional coverage for additional living expenses de9 scribed in paragraph (6) shall be made available to 

10 every insured upon renewal and every applicant in 

11 excess of the limits provided in paragraph (6) in 

12 such amounts and at such rates as the Director 

13 shall establish, except that such chargeable rates 

14 shall not be less than the estimated premium rates 

15 for such coverage determined in accordance with sec16 tion 1307(a)(1); 

17 ‘‘(8) in the case of any residential property, op18 tional coverage for losses, resulting from floods, to 

19 improvements and personal property located in base20 ments, crawl spaces, and other enclosed areas under 

21 buildings that are not covered by primary flood in22 surance coverage under this title, shall be made 

23 available to every insured upon renewal and every 

24 applicant, except that such coverage shall be made 

25 available only at chargeable rates that are not less 


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1 than the estimated premium rates for such coverage 

2 determined in accordance with section 1307(a)(1); 

3 ‘‘(9) in the case of any commercial property, 

4 optional coverage for losses resulting from any par5 tial or total interruption of the insured’s business 

6 caused by damage to, or loss of, such property from 

7 a flood shall be made available to every insured upon 

8 renewal and every applicant, except that— 

9 ‘‘(A) for purposes of such coverage, losses 

10 shall be determined based on the profits the 

11 covered business would have earned, based on 

12 previous financial records, had the flood not oc13 curred; and 

14 ‘‘(B) such coverage shall be made available 

15 only at chargeable rates that are not less than 

16 the estimated premium rates for such coverage 

17 determined in accordance with section 

18 1307(a)(1); and 

19 ‘‘(10) in the case of any residential property 

20 and any commercial property, optional coverage for 

21 the full replacement costs of any contents related to 

22 the structure that exceed the limits of coverage oth23 erwise provided in this subsection shall be made 

24 available to every insured upon renewal and every 

25 applicant, except that such coverage shall be made 


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1 available only at chargeable rates that are not less 

2 than the estimated premium rates for such coverage 

3 determined in accordance with section 1307(a)(1).’’. 

4 SEC. 9. INCREASE IN ANNUAL LIMITATION ON PREMIUM IN5 CREASES. 

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

7 of 1968 (42 U.S.C. 4015(e)) is amended by striking ‘‘10 

8 percent’’ and inserting ‘‘15 percent’’. 

9 SEC. 10. INCREASE IN BORROWING AUTHORITY. 

10 (a) BORROWING AUTHORITY.—The first sentence of 

11 subsection (a) of section 1309 of the National Flood In12 surance Act of 1968 (42 U.S.C. 4016(a)), as amended by 

13 the National Flood Insurance Program Further Enhanced 

14 Borrowing Authority Act of 2005 (Public Law 109–106; 

15 119 Stat. 2288), is amended by striking 

16 ‘‘$20,775,000,000’’ and inserting ‘‘$25,000,000,000’’. 

17 (b) FEMA REPORT.—Not later than the expiration 

18 of the 6-month period beginning on the date of the enact19 ment of this Act, the Director of the Federal Emergency 

20 Management Agency shall submit a report to the Congress 

21 setting forth a plan for repaying any amounts borrowed 

22 pursuant to increase in borrowing authority authorized 

23 under the amendments made by subsection (a). 


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1 SEC. 11. FEMA PARTICIPATION IN STATE DISASTER CLAIMS 

2 MEDIATION PROGRAMS. 

3 The National Flood Insurance Act of 1968 is amend4 ed by inserting after section 1313 (42 U.S.C. 4020) the 

5 following new section: 

6 ‘‘SEC. 1314. FEMA PARTICIPATION IN STATE DISASTER 

7 CLAIMS MEDIATION PROGRAMS. 

8 ‘‘(a) REQUIREMENT TO PARTICIPATE.—In the case 

9 of the occurrence of a natural catastrophe that may have 

10 resulted in flood damage covered by insurance made avail11 able under the National Flood Insurance Program and a 

12 loss covered by personal lines residential property insur13 ance policy, upon request made by the insurance commis14 sioner of a State (or such other official responsible for reg15 ulating the business of insurance in the State) for the par16 ticipation of representatives of the Director in a program 

17 sponsored by such State for nonbinding mediation of in18 surance claims resulting from a natural catastrophe, the 

19 Director shall cause such representatives to participate in 

20 such State program, when claims under the national flood 

21 insurance program are involved, to expedite settlement of 

22 flood damage claims resulting from such catastrophe.’’. 

23 ‘‘(b) EXTENT OF PARTICIPATION.—Participation by 

24 representatives of the Director required under subsection 

25 (a) with respect to flood damage claims resulting from a 

26 natural catastrophe shall include— 


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1 ‘‘(1) providing adjusters certified for purposes 

2 of the national flood insurance program who are au3 thorized to settle claims against such program re4 sulting from such catastrophe in amounts up to the 

5 limits of policies under such program; 

6 ‘‘(2) requiring such adjusters to attend State7 sponsored mediation meetings regarding flood insur8 ance claims resulting from such catastrophe at times 

9 and places as may be arranged by the State; 

10 ‘‘(3) participating in good-faith negotiations to11 ward the settlement of such claims with policy12 holders of coverage made available under the na13 tional flood insurance program; and 

14 ‘‘(4) finalizing the settlement of such claims on 

15 behalf of the national flood insurance program with 

16 such policyholders. 

17 ‘‘(c) COORDINATION.—Representatives of the Direc18 tor who participate pursuant to this section in a State19 sponsored mediation program with respect to a natural ca20 tastrophe shall at all times coordinate their activities with 

21 insurance officials of the State and representatives of in22 surers for the purpose of consolidating and expediting the 

23 settlement of claims under the national flood insurance 

24 program resulting from such catastrophe at the earliest 

25 possible time. 


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1 ‘‘(d) MEDIATION PROCEEDINGS AND PRIVILEGED

2 DOCUMENTS.—As a condition of the participation of Rep3 resentatives of the Director pursuant to this section in 

4 State-sponsored mediation, all statements made and docu5 ments produced pursuant to such mediation involving rep6 resentatives of the Director shall be deemed privileged and 

7 confidential settlement negotiations made in anticipation 

8 of litigation. 

9 ‘‘(e) EFFECT OF PARTICIPATION ON LIABILITY, 

10 RIGHT, AND OBLIGATIONS.—Participation of Representa11 tives of the Director pursuant to this section in State12 sponsored mediation shall not affect or expand the liability 

13 of any party in contract or in tort, nor shall it affect the 

14 rights or obligations of the parties as provided in the 

15 Standard Flood Insurance Policy under the national flood 

16 insurance program, regulations of the Federal Emergency 

17 Management Agency, this Act, or Federal common law. 

18 ‘‘(f) EXCLUSIVE FEDERAL JURISDICTION.—Partici19 pation of Representatives of the Director pursuant to this 

20 section in State-sponsored mediation shall not alter, 

21 change or modify the original exclusive jurisdiction of 

22 United States courts as provided in this Act. 

23 ‘‘(g) COST LIMITATION.—Nothing in this section 

24 shall be construed to require the Director or representa25 tives of the Director to pay additional mediation fees relatVerDate Aug 31 2005 23:14 Jun 28, 2006 Jkt 049196 PO 00000 Frm 00019 Fmt 6652 Sfmt 6201 E:\BILLS\H4973.PCS H4973

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1 ing to flood claims associated with a State-sponsored me2 diation program in which representatives of the Director 

3 participate. 

4 ‘‘(h) EXCEPTION.—In the case of the occurrence of 

5 a natural catastrophe that results in flood damage claims 

6 under the national flood insurance program and does not 

7 result in any loss covered by a personal lines residential 

8 property insurance policy— 

9 ‘‘(1) this section shall not apply; and 

10 ‘‘(2) the provisions of the Standard Flood In11 surance Policy under the national flood insurance 

12 program and the appeals process established pursu13 ant to section 205 of the Bunning-Bereueter14 Blumenauer Flood Insurance Reform Act of 2004 

15 (Public Law 108–264; 118 Stat. 726) and regula16 tions issued pursuant to such section shall apply ex17 clusively. 

18 ‘‘(i) REPRESENTATIVES OF DIRECTOR.—For pur19 poses of this section, the term ‘representatives of the Di20 rector’ means representatives of the national flood insur21 ance program who participate in the appeals process es22 tablished pursuant to section 205 of the Bunning23 Bereueter-Blumenauer Flood Insurance Reform Act of 

24 2004 (Public Law 108–264; 118 Stat. 726) and regula25 tions issued pursuant to such section.’’. 


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1 SEC. 12. FEMA REPORTS ON FINANCIAL STATUS OF INSUR2 ANCE PROGRAM. 

3 Section 1320 of the National Flood Insurance Act of 

4 1968 (42 U.S.C. 4027) is amended— 

5 (1) in the section heading, by striking ‘‘RE6 PORT TO THE PRESIDENT’’ and inserting ‘‘RE7 PORTS’’; 

8 (2) in subsection (a), by striking ‘‘IN GEN9 ERAL’’ and inserting ‘‘BIENNIAL REPORT TO PRESI10 DENT’’; and 

11 (3) by adding at the end the following new sub12 section: 

13 ‘‘(c) SEMIANNUAL REPORTS TO CONGRESS ON FI14 NANCIAL STATUS.—Not later than June 30 and December 

15 31 of each year, the Director shall submit a report to the 

16 Congress regarding the financial status of the national 

17 flood insurance program under this title. Each such report 

18 shall describe the financial status of the National Flood 

19 Insurance Fund and current and projected levels of 

20 claims, premium receipts, expenses, and borrowing under 

21 the program.’’. 

22 SEC. 13. EXTENSION OF PILOT PROGRAM FOR MITIGATION 

23 OF SEVERE REPETITIVE LOSS PROPERTIES. 

24 Section 1361A of the National Flood Insurance Act 

25 of 1968 (42 U.S.C. 4102a) is amended as follows: 


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1 (1) FUNDING.—In subsection (k)(1), by strik2 ing ‘‘and 2009’’ and inserting ‘‘2009, 2010, and 

3 2011’’. 

4 (2) TERMINATION.—In subsection (l), by strik5 ing ‘‘September 30, 2009’’ and inserting ‘‘September 

6 30, 2011’’. 

7 SEC. 14. NOTICE OF AVAILABILITY OF FLOOD INSURANCE 

8 AND ESCROW IN RESPA GOOD FAITH ESTI9 MATE. 

10 Subsection (c) of section 5 of the Real Estate Settle11 ment Procedures Act of 1974 (12 U.S.C. 2604(c)) is 

12 amended by adding at the end the following new sentence: 

13 ‘‘Each such good faith estimate shall include the following 

14 conspicuous statements: (1) that flood insurance coverage 

15 for residential real estate is generally available under the 

16 National Flood Insurance Program whether or not the 

17 real estate is located in an area having special flood haz18 ards and that, to obtain such coverage, a home owner or 

19 purchaser should contact a property insurance agent, 

20 broker, or company; and (2) that the escrowing of flood 

21 insurance payments is required for many loans under sec22 tion 102(d) of the Flood Disaster Protection Act of 1973, 

23 and may be a convenient and available option with respect 

24 to other loans.’’. 


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1 SEC. 15. REITERATION OF FEMA RESPONSIBILITIES UNDER 

2 2004 REFORM ACT. 

3 (a) APPEALS PROCESS.—As directed in section 205 

4 of the Bunning-Bereuter-Blumenauer Flood Insurance 

5 Reform Act of 2004 (42 U.S.C. 4011 note), the Director 

6 of the Federal Emergency Management Agency is again 

7 directed to, not later than 90 days after the date of the 

8 enactment of this Act, establish an appeals process 

9 through which holders of a flood insurance policy may ap10 peal the decisions, with respect to claims, proofs of loss, 

11 and loss estimates relating to such flood insurance policy 

12 as required by such section. 

13 (b) MINIMUM TRAINING AND EDUCATION REQUIRE14 MENTS.—The Director of the Federal Emergency Man15 agement Agency is directed to continue to work with the 

16 insurance industry, State insurance regulators, and other 

17 interested parties to implement the minimum training and 

18 education standards for all insurance agents who sell flood 

19 insurance policies that were established by the Director 

20 under the notice published September 1, 2005 (70 Fed. 

21 Reg. 52117) pursuant to section 207 of the Bunning-Be22 reuter-Blumenauer Flood Insurance Reform Act of 2004 

23 (42 U.S.C. 4011 note). 

24 (c) REPORT.—Not later than the expiration of the 6- 

25 month period beginning on the date of the enactment of 

26 this Act, the Director of the Federal Emergency ManageVerDate Aug 31 2005 23:14 Jun 28, 2006 Jkt 049196 PO 00000 Frm 00023 Fmt 6652 Sfmt 6201 E:\BILLS\H4973.PCS H4973

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1 ment Agency shall submit a report to the Congress de2 scribing the implementation of each provision of the 

3 Bunning-Bereuter-Blumenauer Flood Insurance Reform 

4 Act of 2004 (Public Law 108–264) and identifying each 

5 regulation, order, notice, and other material issued by the 

6 Director in implementing each such provision. 

7 SEC. 16. UPDATING OF FLOOD MAPS AND ELEVATION 

8 STANDARDS. 

9 (a) FLOOD MAPPING PROGRAM.—Section 1360 of 

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

11 4101) is amended by adding at the end the following new 

12 subsection: 

13 ‘‘(k) PROGRAM TO REVIEW, UPDATE, AND MAINTAIN

14 FLOOD INSURANCE PROGRAM MAPS.— 

15 ‘‘(1) IN GENERAL.—The Director, in coordina16 tion with the Technical Mapping Advisory Council 

17 established pursuant to section 576 of the National 

18 Flood Insurance Reform Act of 1994 (42 U.S.C. 

19 4101 note) and section 16(c) of the Flood Insurance 

20 Reform and Modernization Act of 2006, shall estab21 lish a program under which the Director shall re22 view, update, and maintain national flood insurance 

23 program rate maps in accordance with this sub24 section. 

25 ‘‘(2) INCLUSIONS.— 


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1 ‘‘(A) COVERED AREAS.—Each map up2 dated under this subsection shall include a de3 piction of— 

4 ‘‘(i) the 500-year floodplain; 

5 ‘‘(ii) areas that could be inundated as 

6 a result of the failure of a levee, as deter7 mined by the Director; and 

8 ‘‘(iii) areas that could be inundated as 

9 a result of the failure of a dam, as identi10 fied under the National Dam Safety Pro11 gram Act (33 U.S.C. 467 et seq.). 

12 ‘‘(B) OTHER INCLUSIONS.—In updating 

13 maps under this subsection, the Director may 

14 include— 

15 ‘‘(i) any relevant information on 

16 coastal inundation from— 

17 ‘‘(I) an applicable inundation 

18 map of the Corps of Engineers; and 

19 ‘‘(II) data of the National Oce20 anic and Atmospheric Administration 

21 relating to storm surge modeling; 

22 ‘‘(ii) any relevant information of the 

23 Geographical Service on stream flows, wa24 tershed characteristics, and topography 

25 that is useful in the identification of flood 


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1 hazard areas, as determined by the Direc2 tor; and 

3 ‘‘(iii) a description of any hazard that 

4 might impact flooding, including, as deter5 mined by the Director— 

6 ‘‘(I) land subsidence and coastal 

7 erosion areas; 

8 ‘‘(II) sediment flow areas; 

9 ‘‘(III) mud flow areas; 

10 ‘‘(IV) ice jam areas; and 

11 ‘‘(V) areas on coasts and inland 

12 that are subject to the failure of 

13 structural protective works, such as 

14 levees, dams, and floodwalls. 

15 ‘‘(3) STANDARDS.—In updating and maintain16 ing maps under this subsection, the Director shall 

17 establish standards to— 

18 ‘‘(A) ensure that maps are adequate for— 

19 ‘‘(i) flood risk determinations; and 

20 ‘‘(ii) use by State and local govern21 ments in managing development to reduce 

22 the risk of flooding; 

23 ‘‘(B) facilitate the Director, in conjunction 

24 with State and local governments, to identify 

25 and use consistent methods of data collection 


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1 and analysis in developing maps for commu2 nities with similar flood risks, as determined by 

3 the Director; and 

4 ‘‘(C) ensure that emerging weather fore5 casting technology is used, where practicable, in 

6 flood map evaluations and the identification of 

7 potential risk areas. 

8 ‘‘(4) HURRICANES KATRINA AND RITA MAPPING

9 PRIORITY.—In updating and maintaining maps 

10 under this subsection, the Director shall— 

11 ‘‘(A) give priority to the updating and 

12 maintenance of maps of coastal areas affected 

13 by Hurricane Katrina or Hurricane Rita to pro14 vide guidance with respect to hurricane recovery 

15 efforts; and 

16 ‘‘(B) use the process of updating and 

17 maintaining maps under subparagraph (A) as a 

18 model for updating and maintaining other 

19 maps. 

20 ‘‘(5) EDUCATION PROGRAM.—The Director 

21 shall, after each update to a flood insurance pro22 gram rate map, in consultation with the chief execu23 tive officer of each community affected by the up24 date, conduct a program to educate each such comVerDate Aug 31 2005 23:14 Jun 28, 2006 Jkt 049196 PO 00000 Frm 00027 Fmt 6652 Sfmt 6201 E:\BILLS\H4973.PCS H4973

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1 munity about the update to the flood insurance pro2 gram rate map and the effects of the update. 

3 ‘‘(6) ANNUAL REPORT.—Not later than June 

4 30 of each year, the Director shall submit a report 

5 to the Congress describing, for the preceding 12- 

6 month period, the activities of the Director under 

7 the program under this section and the reviews and 

8 updates of flood insurance program rate maps con9 ducted under the program. Each such annual report 

10 shall contain the most recent report of the Technical 

11 Mapping Advisory Council pursuant to section 

12 576(c)(3) of the National Flood Insurance Reform 

13 Act of 1994 (42 U.S.C. 4101 note). 

14 ‘‘(7) AUTHORIZATION OF APPROPRIATIONS.— 

15 There is authorized to be appropriated to the Direc16 tor to carry out this subsection $300,000,000 for 

17 each of fiscal years 2007 through 2012.’’. 

18 (b) ONE-TIME REVIEW AND UPDATING OF ALL

19 FLOOD ZONES AND ANNUAL MAP MODERNIZATION RE20 PORTS.— 

21 (1) REQUIRED REVISION.—The Director of the 

22 Federal Emergency Management Agency shall, as 

23 soon as possible after the date of the enactment of 

24 this Act, conduct a review of all floodplain areas and 

25 flood-risk zones identified, delineated, or established 


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1 pursuant to such section 1360 and shall revise and 

2 update all such areas and zones. The revisions and 

3 updating under this paragraph shall not be subject 

4 to the requirements of section 1360(k) of the Na5 tional Flood Insurance Act of 1968 (as added by 

6 subsection (a) of this section). 

7 (2) CERTIFICATION OF COMPLETION.—Upon 

8 completing the review, revision, and updating re9 quired under paragraph (1), the Director shall sub10 mit to the Congress a report certifying such comple11 tion. 

12 (3) ANNUAL REPORTS.—During the period that 

13 ends upon certification under paragraph (2) of this 

14 subsection by the Director, the Director shall include 

15 in the annual report required under section 

16 1360(k)(5) of the National Flood Insurance Act of 

17 1968 (as added by subsection (a) of this section) a 

18 description of the extent to which the review and up19 dating required under paragraph (1) of this sub20 section has been completed. 

21 (c) REESTABLISHMENT OF TECHNICAL MAPPING

22 ADVISORY COUNCIL.— 

23 (1) REESTABLISHMENT.—There is reestab24 lished the Technical Mapping Advisory Council, in 

25 accordance with this subsection and section 576 of 


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1 the National Flood Insurance Reform Act of 1994 

2 (42 U.S.C. 4101 note). 

3 (2) MEMBERSHIP.—Paragraph (1) of section 

4 576(b) of the National Flood Insurance Reform Act 

5 of 1994 (42 U.S.C. 4101 note) is amended— 

6 (A) by redesignating subparagraphs (E), 

7 (F), (G), (H), (I), and (J) as subparagraphs 

8 (F), (G), (H), (K), (M), and (N), respectively; 

9 (B) by inserting after subparagraph (D) 

10 the following new subparagraph: 

11 ‘‘(E) a representative of the Corps of Engi12 neers of the United States Army;’’; 

13 (C) by inserting after subparagraph (H) 

14 (as so redesignated by subparagraph (A) of this 

15 paragraph) the following new subparagraphs: 

16 ‘‘(I) a representative of local or regional 

17 flood and stormwater agencies; 

18 ‘‘(J) a representative of State geographic 

19 information coordinators;’’; and 

20 (D) by inserting after subparagraph (K) 

21 (as so redesignated by subparagraph (A) of this 

22 paragraph) the following new subparagraph: 

23 ‘‘(L) a representative of flood insurance 

24 servicing companies;’’. 


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1 (3) APPOINTMENT.—The Director of the Fed2 eral Emergency Management Agency, or the Direc3 tor’s designee, shall take action as soon as possible 

4 after the date of the enactment of this Act to ap5 point the members of the Technical Mapping Advi6 sory Council pursuant to section 576(b)(1) of the 

7 National Flood Insurance Reform Act of 1994, as 

8 amended by paragraph (2) of this subsection. 

9 (4) DUTIES.—Subsection (c) of section 576 of 

10 the National Flood Insurance Reform Act of 1994 

11 (42 U.S.C. 4101 note) is amended to read as fol12 lows: 

13 ‘‘(c) DUTIES.—The Council shall— 

14 ‘‘(1) make recommendations to the Director for 

15 improvements to the flood map modernization pro16 gram under section 1360(k) of the National Flood 

17 Insurance Act of 1968 (42 U.S.C. 41010(k)); 

18 ‘‘(2) make recommendations to the Director for 

19 maintaining a modernized inventory of flood hazard 

20 maps and information; and 

21 ‘‘(3) submit an annual report to the Director 

22 that contains a description of the activities and rec23 ommendations of the Council.’’. 

24 (5) TERMINATION.—Subsection (k) of section 

25 576 of the National Flood Insurance Reform Act of 


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1 1994 (42 U.S.C. 4101 note) is amended by striking 

2 ‘‘under subsection (b)(1)’’ and inserting ‘‘pursuant 

3 to subsection (b)(1) of this section and section 

4 16(c)(3) of the Flood Insurance Reform and Mod5 ernization Act of 2006’’. 

6 (d) POST-DISASTER FLOOD ELEVATION DETER7 MINATIONS.—Section 1361 of the National Flood Insur8 ance Act of 1968 (42 U.S.C. 4101), as amended by the 

9 preceding provisions of this Act, is further amended by 

10 adding at the end the following new subsection: 

11 ‘‘(l) INTERIM POST-DISASTER FLOOD ELE12 VATIONS.— 

13 ‘‘(1) AUTHORITY.—Notwithstanding any other 

14 provision of this section or section 1363, the Direc15 tor may, after any flood-related disaster, establish by 

16 order interim flood elevation requirements for pur17 poses of the national flood insurance program for 

18 any areas affected by such flood-related disaster. 

19 ‘‘(2) EFFECTIVENESS.—Such interim elevation 

20 requirements for such an area shall take effect im21 mediately upon issuance and may remain in effect 

22 until the Director establishes new flood elevations 

23 for such area in accordance with section 1363 or the 

24 Director provides otherwise.’’. 

25 (e) GAO STUDY OF LOW-INCOME DISCOUNT.— 


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1 (1) IN GENERAL.—The Comptroller General of 

2 the United States shall conduct a study of potential 

3 methods, practices, and incentives that would in4 crease the extent to which low-income families (as 

5 such term is defined in section 3(b) of the United 

6 States Housing Act of 1937 (42 U.S.C. 1437a(b))) 

7 that own residential properties located within areas 

8 having special flood hazards purchase flood insur9 ance coverage under the national flood insurance 

10 program. In conducting the study the Comptroller 

11 General shall analyze— 

12 (A) the feasibility and effectiveness of pro13 viding such coverage to low-income families at 

14 rates that are discounted from the rates at 

15 which such coverage is otherwise provided, the 

16 amounts by which such rates should be dis17 counted to ensure that coverage is affordable to 

18 such families and to encourage purchase of cov19 erage by such families, and the effects of such 

20 discounts on the national flood insurance pro21 gram; and 

22 (B) the extent to which residential prop23 erties occupied by low-income families would be 

24 affected by expanding the mandatory purchase 

25 requirements of the national flood insurance 


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1 program to the areas included in the national 

2 flood insurance program rate maps pursuant to 

3 section 1360(k) of the National Flood Insur4 ance Act of 1968 (42 U.S.C. 4101(k)), as 

5 amended by subsection (a) of this section. 

6 (2) REPORT.—The Comptroller General shall 

7 submit to the Congress a report setting forth the 

8 conclusions of the study under this subsection not 

9 later than 12 months after the date of the enact10 ment of this Act. 

11 SEC. 17. NOTIFICATION AND APPEAL OF MAP CHANGES; 

12 NOTIFICATION OF ESTABLISHMENT OF 

13 FLOOD ELEVATIONS. 

14 Section 1363 of the National Flood Insurance Act of 

15 1968 (42 U.S.C. 4104) is amended by striking the section 

16 designation and all that follows through the end of sub17 section (a) and inserting the following: 

18 ‘‘SEC. 1363. (a) In establishing projected flood ele19 vations for land use purposes with respect to any commu20 nity pursuant to section 1361, the Director shall first pro21 pose such determinations— 

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

23 each community affected by the proposed elevations, 

24 by certified mail, with a return receipt requested, 

25 notice of the elevations, including a copy of the maps 


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1 for the elevations for such community and a state2 ment explaining the process under this section to ap3 peal for changes in such elevations; 

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

5 published in the Federal Register, which notice shall 

6 include information sufficient to identify the ele7 vation determinations and the communities affected, 

8 information explaining how to obtain copies of the 

9 elevations, and a statement explaining the process 

10 under this section to appeal for changes in the ele11 vations; 

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

13 local newspaper; and 

14 ‘‘(4) by providing written notification, by first 

15 class mail, to each owner of real property affected by 

16 the proposed elevations of— 

17 ‘‘(A) the status of such property, both 

18 prior to and after the effective date of the pro19 posed determination, with respect to flood zone 

20 and flood insurance requirements under this 

21 Act and the Flood Disaster Protection Act of 

22 1973; 

23 ‘‘(B) the process under this section to ap24 peal a flood elevation determination; and 


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1 ‘‘(C) the mailing address and phone num2 ber of a person the owner may contact for more 

3 information or to initiate an appeal.’’. 

4 SEC. 18. NATIONAL LEVEE INVENTORY. 

5 To identify levees for the national flood insurance 

6 program, the Director of the Federal Emergency Manage7 ment Agency shall maintain and periodically publish an 

8 inventory of levees in the United States, and shall consult 

9 with the Secretary of the Army as necessary to maintain 

10 such inventory. 

11 SEC. 19. CLARIFICATION OF REPLACEMENT COST PROVI12 SIONS, FORMS, AND POLICY LANGUAGE. 

13 Not later than the expiration of the 3-month period 

14 beginning on the date of the enactment of this Act, the 

15 Director of the Federal Emergency Management Agency 

16 shall— 

17 (1) in plain language using easy to understand 

18 terms and concepts, issue regulations, and revise any 

19 materials made available by such Agency, to clarify 

20 the applicability of replacement cost coverage under 

21 the national flood insurance program; 

22 (2) in plain language using easy to understand 

23 terms and concepts, revise any regulations, forms, 

24 notices, guidance, and publications relating to the 

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1 ment cost coverage to more clearly describe such 

2 coverage to flood insurance policyholders and infor3 mation to be provided by such policyholders relating 

4 to such coverage, and to avoid providing misleading 

5 information to such policyholders; 

6 (3) revise the language in standard flood insur7 ance policies under such program regarding rating 

8 and coverage descriptions in a manner that is con9 sistent with language used widely in other home10 owners and property and casualty insurance policies, 

11 including such language regarding classification of 

12 buildings, basements, crawl spaces, detached ga13 rages, enclosures below elevated buildings, and re14 placement costs; and 

15 (4) include in each standard flood insurance 

16 policy a one-page description of the policy using 

17 plain language and easy to understand terms and 

18 concepts. 

19 SEC. 20. AUTHORIZATION OF ADDITIONAL FEMA STAFF. 

20 Notwithstanding any other provision of law, the Di21 rector of the Federal Emergency Management Agency 

22 may employ such additional staff of such Agency as may 

23 be necessary to carry out all of the responsibilities of the 

24 Director pursuant to this Act and the amendments made 

25 by this Act. There are authorized to be appropriated to 


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1 Director such sums as may be necessary for costs of em2 ploying such additional staff. 

3 SEC. 21. INVESTIGATION OF WRITE-YOUR-OWN INSURERS’

4 ADJUSTMENT OF CLAIMS RELATING TO HUR5 RICANE KATRINA. 

6 (a) INVESTIGATION.—The Inspector General of the 

7 Department of Homeland Security shall carry out an in8 vestigation of insurers making flood insurance coverage 

9 available under the Write-Your-Own program pursuant to 

10 section 1345 of the National Flood Insurance Act of 1968 

11 (42 U.S.C. 4081) and subpart C of part 62 of title 44, 

12 Code of Federal Regulations to determine— 

13 (1) whether any such insurers, in adjusting and 

14 settling claims resulting from Hurricane Katrina, 

15 improperly attributed damages from such hurricane 

16 to flooding covered under coverage provided under 

17 the national flood insurance program rather than to 

18 windstorms covered by other coverage provided by 

19 such insurers or by windstorm insurance pools in 

20 which such insurers participated; and 

21 (2) the extent to which such improper attribu22 tion of damages occurred. 

23 (b) REPORT.—Not later than the expiration of the 

24 6-month period that begins upon the date of the enact25 ment of this Act, the Inspector General of the Department 


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1 of Homeland Security shall submit to the Congress a re2 port setting forth the conclusions of the investigation pur3 suant to subsection (a). 

4 SEC. 22. ELIGIBILITY OF PROPERTY DEMOLITION AND RE5 BUILDING FOR MITIGATION ASSISTANCE 

6 PROGRAM. 

7 Section 1366(e)(5)(B) of the National Flood Insur8 ance Act of 1968 (42 U.S.C. 4104c(e)(5)(B)) is amended 

9 by inserting after ‘‘flood risk’’ the following: ‘‘, or the dem10 olition and rebuilding of structures located in such areas 

11 to at least Base Flood Elevation or any greater elevation 

12 required by any local ordinance’’. 

13 SEC. 23. SAMPLING METHODS FOR QUALITY ASSURANCE. 

14 Section 1345 of the National Flood Insurance Act of 

15 1968 (42 U.S.C. 4081) is amended by adding at the end 

16 the following new subsection: 

17 ‘‘(d) SAMPLING METHODS FOR QUALITY ASSUR18 ANCE.—In selecting the cases and claims for operational 

19 reviews and claims re-inspections regarding the national 

20 flood insurance program under this title, the Director shall 

21 use a statistically valid probability sample whose results 

22 can be generalized to the entire population of reviews and 

23 claims from which the sample is drawn and whose sam24 pling error can be quantified.’’. 


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1 SEC. 24. EXTENSION OF DEADLINE FOR FILING PROOF OF 

2 LOSS. 

3 (a) IN GENERAL.—Section 1312 of the National 

4 Flood Insurance Act of 1968 (42 U.S.C. 4019) is amend5 ed— 

6 (1) by inserting ‘‘(a) PAYMENT.—’’ before ‘‘The 

7 Director’’; and 

8 (2) by adding at the end the following new sub9 section: 

10 ‘‘(b) FILING DEADLINE FOR PROOF OF LOSS.— 

11 ‘‘(1) IN GENERAL.—In establishing any require12 ments regarding notification, proof, or approval of 

13 claims for damage to or loss of property which is 

14 covered by flood insurance made available under this 

15 title, the Director may not require an insured to no16 tify the Director of such damage or loss, submit a 

17 claim for such damage or loss, or certify to or sub18 mit proof of such damage or loss, before the expira19 tion of the 180-day period that begins on the date 

20 that such damage or loss occurred. 

21 ‘‘(2) EXCEPTIONS.— Notwithstanding any 

22 deadline established in accordance with paragraph 

23 (1), the Director may not deny a claim for damage 

24 or loss described in such paragraph solely for failure 

25 to meet such deadline if the insured demonstrates 

26 any good cause for such failure.’’. 


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1 (b) APPLICABILITY.—Subsection (b) of section 1312 

2 of the National Flood Insurance Act of 1968, as added 

3 by subsection (a)(2) of this section, shall apply with re4 spect to any claim under which the damage to or loss of 

5 property occurred on or after September 18, 2003. 

Passed the House of Representatives June 27, 2006. 

Attest: KAREN L. HAAS, 

Clerk. 


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Calendar No. 501 

109TH CONGRESS 

2D SESSION H. R. 4973 

AN ACT 

To restore the financial solvency of the national 

flood insurance program, and for other purposes. 

JUNE 28, 2006 

Received; read twice and placed on the calendar 


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