I 
113TH CONGRESS 
1ST SESSION H. R. 3370 
To delay the implementation of certain provisions of the Biggert-Waters 
Flood Insurance Reform Act of 2012, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
OCTOBER 29, 2013 
Mr. GRIMM (for himself, Ms. WATERS, Mr. RICHMOND, Mr. OLSON, Mr. 
PALAZZO, Mr. CASSIDY, Ms. MATSUI, Mr. CRAMER, Mr. KEATING, Ms. 
ROS-LEHTINEN, Ms. BROWN of Florida, Mr. HINOJOSA, Mr. MEEKS, Mr. 
MCINTYRE, Mr. NADLER, Mr. NUGENT, Mr. SCOTT of Virginia, Mr. LAN-
GEVIN, Mr. CROWLEY, Ms. MOORE, Mr. THOMPSON of Pennsylvania, Mr. 
JONES, Mr. WELCH, Mr. ENYART, Mr. LOBIONDO, Mr. LYNCH, Mr. 
CARNEY, Mr. SCALISE, Mr. CULBERSON, Ms. CASTOR of Florida, Mr. 
GARCIA, Ms. FRANKEL of Florida, Ms. VELA´ZQUEZ, Ms. SCHAKOWSKY, 
Mr. KING of New York, Mr. PASCRELL, Mrs. CAROLYN B. MALONEY of 
New York, Ms. WILSON of Florida, Mr. VELA, Mr. STOCKMAN, Mr. BOU-
STANY, Mr. FITZPATRICK, Mr. RODNEY DAVIS of Illinois, Mr. PERL-
MUTTER, Mr. WHITFIELD, Mr. MCNERNEY, Mr. MURPHY of Florida, Mr. 
ELLISON, Mr. DIAZ-BALART, Mrs. ELLMERS, Mr. GENE GREEN of 
Texas, Mr. BUCHANAN, Mr. ANDREWS, Mr. CLEAVER, Mr. DEUTCH, Mr. 
GARAMENDI, Ms. JACKSON LEE, Mr. JEFFRIES, Mr. CLAY, Mrs. MCCAR-
THY
of New York, Ms. PINGREE
of Maine, Ms. TSONGAS, Ms. 
WASSERMAN SCHULTZ, Mr. DAVID SCOTT of Georgia, Mr. HARPER, Mr. 
MAFFEI, Mr. SIRES, Mr. CONNOLLY, Mr. POLIS, Mr. PALLONE, Mr. 
KENNEDY, Ms. LORETTA SANCHEZ of California, Mr. SCHRADER, Mr. 
BISHOP of New York, Ms. SLAUGHTER, Mr. GUTIE´RREZ, Ms. DEGETTE, 
Mr. DANNY K. DAVIS of Illinois, Mr. AL GREEN of Texas, and Mr. 
HOLT) introduced the following bill; which was referred to the Committee 
on Financial Services, and in addition to the Committee on Rules, 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 com-
mittee concerned 
VerDate Mar 15 2010 
22:03 Oct 31, 2013
Jkt 039200
PO 00000
Frm 00001
Fmt 6652
Sfmt 6652
E:\BILLS\H3370.IH
H3370
emcdonald on DSK67QTVN1PROD with BILLS
A BILL 
To delay the implementation of certain provisions of the 
Biggert-Waters Flood Insurance Reform Act of 2012, 
and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Homeowner Flood In-
surance Affordability Act of 2013’’. 
SEC. 2. DEFINITIONS. 
As used in this Act, the following definitions shall 
apply: 
(1) ADJUSTED BASE FLOOD ELEVATION.—For 
purposes of rating a floodproofed covered structure, 
the term ‘‘adjusted base flood elevation’’ means the 
base flood elevation for a covered structure on the 
applicable effective flood insurance rate map, plus 1 
foot. 
(2) ADMINISTRATOR.—The term ‘‘Adminis-
trator’’ means the Administrator of the Federal 
Emergency Management Agency. 
(3) AFFORDABILITY
AUTHORITY
BILL.—The 
term ‘‘affordability authority bill’’ means a non- 
amendable bill that if enacted would only grant the 
Administrator the authority necessary to promulgate 
VerDate Mar 15 2010 
22:03 Oct 31, 2013
Jkt 039200
PO 00000
Frm 00002
Fmt 6652
Sfmt 6201
E:\BILLS\H3370.IH
H3370
emcdonald on DSK67QTVN1PROD with BILLS
regulations in accordance with the criteria set forth 
in section 3(d)(2). 
(4) AFFORDABILITY
STUDY.—The term ‘‘af-
fordability study’’ means the study required under 
section 100236 of the Biggert-Waters Flood Insur-
ance Reform Act of 2012 (Public Law 112–141; 126 
Stat. 957). 
(5) APPLICABLE
FLOOD
PLAIN
MANAGEMENT 
MEASURES.—The term ‘‘applicable flood plain man-
agement measures’’ means flood plain management 
measures adopted by a community under section 
60.3(c) of title 44, Code of Federal Regulations. 
(6) COVERED STRUCTURE.—The term ‘‘covered 
structure’’ means a residential structure— 
(A) that is located in a community that 
has adopted flood plain management measures 
that are approved by the Federal Emergency 
Management Agency and that satisfy the re-
quirements for an exception for floodproofed 
residential basements under section 60.6(c) of 
title 44, Code of Federal Regulations; and 
(B) that was built in compliance with the 
applicable flood plain management measures. 
(7) DRAFT AFFORDABILITY FRAMEWORK.—The 
term ‘‘draft affordability framework’’ means the 
VerDate Mar 15 2010 
22:03 Oct 31, 2013
Jkt 039200
PO 00000
Frm 00003
Fmt 6652
Sfmt 6201
E:\BILLS\H3370.IH
H3370
emcdonald on DSK67QTVN1PROD with BILLS
draft programmatic and regulatory framework re-
quired to be prepared by the Administrator and sub-
mitted to Congress under section 3(d) addressing 
the issues of affordability of flood insurance sold 
under the National Flood Insurance Program, in-
cluding issues identified in the affordability study. 
(8) FLOODPROOFED
ELEVATION.—The term 
‘‘floodproofed elevation’’ means the height of 
floodproofing on a covered structure, as identified on 
the Residential Basement Floodproofing Certificate 
for the covered structure. 
(9) NATIONAL FLOOD INSURANCE PROGRAM.— 
The term ‘‘National Flood Insurance Program’’ 
means the program established under the National 
Flood Insurance Act of 1968 (42 U.S.C. 4001 et 
seq.). 
SEC. 3. DELAYED IMPLEMENTATION OF FLOOD INSURANCE 
RATE INCREASES; DRAFT AFFORDABILITY 
FRAMEWORK. 
(a) DELAYED IMPLEMENTATION OF FLOOD INSUR-
ANCE RATE INCREASES.— 
(1) GRANDFATHERED PROPERTIES.—Beginning 
on the date of enactment of this Act, the Adminis-
trator may not increase risk premium rates for flood 
insurance for any property located in an area subject 
VerDate Mar 15 2010 
22:03 Oct 31, 2013
Jkt 039200
PO 00000
Frm 00004
Fmt 6652
Sfmt 6201
E:\BILLS\H3370.IH
H3370
emcdonald on DSK67QTVN1PROD with BILLS
to the premium adjustment required under section 
1308(h) of the National Flood Insurance Act of 
1968 (42 U.S.C. 4015(h)). 
(2) PRE-FIRM PROPERTIES.—Beginning on the 
date of enactment of this Act, the Administrator 
may not reduce the risk premium rate subsidies for 
flood insurance for any property— 
(A) described under section 1307(g)(1) of 
the National Flood Insurance Act of 1968 (42 
U.S.C. 4014(g)(1)); or 
(B) described under 1307(g)(3) of the Na-
tional Flood Insurance Act of 1968 (42 U.S.C. 
4014(g)(3)), provided that the decision of the 
policy holder to permit a lapse in flood insur-
ance coverage was as a result of the property 
no longer being required to retain such cov-
erage. 
(3) EXPIRATION.—The prohibitions set forth 
under paragraphs (1) and (2) shall expire 6 months 
after the later of— 
(A) the date on which the Administrator 
proposes the draft affordability framework; 
(B) the date on which any regulations pro-
posed pursuant to the authority that the Ad-
ministrator is granted in the affordability au-
VerDate Mar 15 2010 
22:03 Oct 31, 2013
Jkt 039200
PO 00000
Frm 00005
Fmt 6652
Sfmt 6201
E:\BILLS\H3370.IH
H3370
emcdonald on DSK67QTVN1PROD with BILLS