I 
113TH CONGRESS 
1ST SESSION H. R. 3013 
To reform the National Flood Insurance Program, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
AUGUST 2, 2013 
Mr. CASSIDY (for himself, Mr. PALAZZO, Mr. ALEXANDER, Mr. BOUSTANY, 
Mr. SCALISE, Mr. NUNNELEE, Mr. JONES, and Mr. GRIMM) introduced 
the following bill; which was referred to the Committee on Financial Serv-
ices 
A BILL 
To reform the National Flood Insurance Program, 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 ‘‘Home Protection Act 
of 2013’’. 
SEC. 2. MAPPING OF NON-STRUCTURAL FLOOD MITIGA-
TION FEATURES. 
Section 100216 of the Biggert-Waters Flood Insur-
ance Reform Act of 2012 (42 U.S.C. 4101b) is amended— 
(1) in subsection (b)(1)(A)— 
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(A) in clause (iv), by striking ‘‘and’’ at the 
end; 
(B) by redesignating clause (v) as clause 
(vi); 
(C) by inserting after clause (iv) the fol-
lowing new clause: 
‘‘(v) areas that are protected by 
pumping stations, decertified levees, or 
non-Federal or non-structural flood protec-
tion measures; and’’; and 
(D) in clause (vi) (as so redesignated), by 
striking ‘‘flood control structures’’ and inserting 
‘‘flood control structures, pumping stations, de-
certified levees, or non-Federal or non-struc-
tural flood mitigation measures’’; and 
(2) in subsection (d)(1)— 
(A) by redesignating subparagraphs (A) 
through (C) as subparagraphs (B) through (D), 
respectively; and 
(B) by inserting before subparagraph (B) 
(as so redesignated) the following new subpara-
graph: 
‘‘(A) work with States, local communities, 
and property owners to identify areas and 
measures described in subsection (b)(1)(A)(v);’’. 
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SEC. 3. APPLYING CIRCULAR WIND MODELS TO FLOOD IN-
SURANCE RATE MAPS. 
Section 100216(b)(3) of the Biggert-Waters Flood 
Insurance Reform Act of 2012 (42 U.S.C. 4101b(b)(3)) 
is amended— 
(1) in subparagraph (D), by striking ‘‘and’’ at 
the end; 
(2) by redesignating subparagraph (E) as sub-
paragraph (F); and 
(3) by inserting after subparagraph (D) the fol-
lowing new subparagraph: 
‘‘(E) in consultation with the Secretary of 
the Army, acting through the Chief of Engi-
neers, any relevant information that leads to 
the appropriate use of circular wind models for 
the application of stillwater elevation calcula-
tions; and’’. 
SEC. 4. HOME IMPROVEMENT FAIRNESS. 
Section 1307(a)(2)(E)(ii) of the National Flood In-
surance Act of 1968 (42 U.S.C. 4014(a)(2)(E)(ii)) is 
amended by striking ‘‘30 percent’’ and inserting ‘‘50 per-
cent’’. 
SEC. 5. CONSTRUCTION AND RESTORATION OF FLOOD PRO-
TECTION SYSTEMS. 
(a) ADEQUATE PROGRESS
ON CONSTRUCTION
OF 
FLOOD PROTECTION SYSTEMS.—Section 1307(e) of the 
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National Flood Insurance Act of 1968 (42 U.S.C. 
4014(e)) is amended— 
(1) in the first sentence, by inserting ‘‘or recon-
struction’’ after ‘‘construction’’; 
(2) in the second sentence, by striking ‘‘con-
struction of a flood protection system as required 
herein has been only if’’ and inserting ‘‘construction 
or reconstruction of a flood protection system has 
been made only if, based on the present value of the 
completed system’’; and 
(3) by adding at the end the following new sen-
tence: ‘‘The Administrator shall not consider the 
level of Federal funding of or participation in the 
construction or reconstruction of a flood protection 
system in determining whether adequate progress on 
such construction has been made.’’. 
(b) 
COMMUNITIES
RESTORING
DISACCREDITED 
FLOOD PROTECTION SYSTEMS.—Section 1307(f) of the 
National Flood Insurance Act of 1968 (42 U.S.C. 
4014(f)) is amended in the first sentence by striking ‘‘no 
longer does so.’’ and inserting the following: ‘‘no longer 
does so, and shall apply without regard to the level of Fed-
eral funding of or participation in the restoration of the 
flood protection system.’’. 
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SEC. 6. STATE AND LOCAL GOVERNMENT FLEXIBILITY. 
The National Flood Insurance Act of 1968 (42 
U.S.C. 4001 et seq.) is amended by inserting after section 
1308 the following: 
‘‘SEC. 1308A. STATE AND LOCAL GOVERNMENT FLEXI-
BILITY. 
‘‘(a) IN GENERAL.—The Administrator shall issue 
regulations to establish a means by which a State or local 
government may, on its own accord or in conjunction with 
other State or local governments, submit such payments 
to the Administrator as are necessary to cover part or all 
of the cost of any premium for any property within the 
jurisdiction of the State or local government. 
‘‘(b) RISK
PREMIUM
RATE.—The Administrator 
shall, under the regulations issued under subsection (a), 
require that the amount of any payment from a State or 
local government under such regulations be consistent 
with sections 1307 and 1308.’’. 
SEC. 7. APPROPRIATE CREDIT FOR FLOOD CONTROL 
STRUCTURES. 
Section 1360 of the National Flood Insurance Act of 
1968 (42 U.S.C. 4101) is amended by adding at the end 
the following: 
‘‘(k) ACTUAL PROTECTION PROVIDED
BY LEVEE 
SYSTEMS.—The Administrator may not publish a flood in-
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surance rate map or an update to a flood insurance rate 
map for an area unless— 
‘‘(1) the flood insurance rate map or update 
adequately reflects the level of protection provided 
by any flood protection system for such area, includ-
ing a pumping station, decertified levee, or non-Fed-
eral or non-structural flood mitigation measure, 
against the 100-year frequency flood, regardless of 
the accreditation status of the flood protection sys-
tem; or 
‘‘(2) the community for which a flood protection 
system provides protection elects not to provide the 
data necessary for the Administrator to publish a 
flood insurance rate map or update that adequately 
reflects the protection provided by the flood protec-
tion system against the 100-year frequency flood.’’. 
SEC. 8. INTEGRATION OF REVISED LEVEE ANALYSIS AND 
MAPPING PROCEDURES. 
Notwithstanding any other provision of law, para-
graphs (1) and (2) of section 1307(g) of the National 
Flood Insurance Act of 1968 (42 U.S.C. 4014(g)) shall 
have no force or effect with respect to a property until— 
(1) the Administrator of the Federal Emer-
gency Management Agency publishes or updates a 
flood insurance rate map for the area in which the 
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