SEC. 2. COMMUNITY ACCOUNTABILITY FOR REPETITIVELY 
FLOODED AREAS. 
(a) IN GENERAL.—Section 1361 of the National 
Flood Insurance Act of 1968 (42 U.S.C. 4102) is amended 
by adding at the end the following new subsection: 
‘‘(e) COMMUNITY
ACCOUNTABILITY
FOR
REPET-
ITIVELY DAMAGED AREAS.— 
‘‘(1) IN
GENERAL.—The Administrator shall, 
by regulation, require any covered community (as 
such term is defined in paragraph (3))— 
‘‘(A) to analyze and map areas within the 
community where properties described in para-
graph (3)(B) or flood-damaged facilities are lo-
cated to determine areas repeatedly damaged by 
floods and to assess the continuing risks to 
such areas; and 
‘‘(B) to develop a community-specific plan 
for addressing any continuing flood risks, sub-
mit such plan to the Administrator and update 
such plan at appropriate intervals, and make 
such plan, plan updates, and reports on 
progress in reducing flood risk available to the 
public, subject to section 552a of title 5, United 
States Code. 
‘‘(2) SANCTIONS.—The Administrator shall, by 
regulation, provide appropriate sanctions for covered 
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communities that fail to comply with the require-
ments under this subsection or to make sufficient 
progress in reducing the flood risks to areas in the 
community that are repeatedly damaged by floods. 
‘‘(3) COVERED COMMUNITY.—For purposes of 
this subsection, the term ‘covered community’ means 
a community— 
‘‘(A) that is participating, pursuant to sec-
tion 1315, in the national flood insurance pro-
gram; and 
‘‘(B) within which are located— 
‘‘(i) 50 or more repetitive loss struc-
tures (as such term is defined in para-
graph (4)); 
‘‘(ii) 5 or more severe repetitive loss 
structures (as such term is defined in sec-
tion 1366(h)) for which mitigation activi-
ties meeting the standards for approval 
under section 1366(c)(2)(A) have not been 
conducted; or 
‘‘(iii) a public facility or a private 
nonprofit facility (as such terms are as de-
fined in section 102 of the Robert T. Staf-
ford Disaster Relief and Emergency Assist-
ance Act (42 U.S.C. 5122)), that has re-
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ceived assistance for repair, restoration, re-
construction, or replacement under section 
406 of the Robert T. Stafford Disaster Re-
lief and Emergency Assistance Act (42 
U.S.C. 5172) in connection with more than 
one flooding event in the most recent 10- 
year period. 
‘‘(4) REPETITIVE-LOSS STRUCTURE.—For pur-
poses of this subsection, the term ‘repetitive-loss 
structure’ means a structure insured under a con-
tract for flood insurance made available under this 
title that has had at least 2 flood losses for which 
claims were paid under such coverage of more than 
$1,000 each in any 10-year period beginning after 
1978. 
‘‘(5) REPORTS TO CONGRESS.—Not later than 
the expiration of the 6-year period beginning upon 
the date of the enactment of this subsection, and not 
less than every 2 years thereafter, the Administrator 
shall submit a report to the Congress regarding the 
progress in implementing plans developed pursuant 
to paragraph (1)(B).’’. 
(b) REGULATIONS.—The Administrator of the Fed-
eral Emergency Management Agency shall issue regula-
tions necessary to carry out subsection (e) of section 1361 
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of the National Flood Insurance Act of 1968, as added 
by the amendment made by subsection (a) of this section, 
not later than the expiration of the 2-year period that be-
gins on the date of the enactment of this Act. 
Æ 
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