HR 3121 RFS
SEC. 20. NOTICE OF AVAILABILITY OF FLOOD INSURANCE 
AND ESCROW IN RESPA GOOD FAITH ESTI-
MATE. 
Subsection (c) of section 5 of the Real Estate Settle-
ment Procedures Act of 1974 (12 U.S.C. 2604(c)) is 
amended by adding at the end the following new sentence: 
‘‘Each such good faith estimate shall include the following 
conspicuous statements and information: (1) that flood in-
surance coverage for residential real estate is generally 
available under the national flood insurance program 
whether or not the real estate is located in an area having 
special flood hazards and that, to obtain such coverage, 
a home owner or purchaser should contact the national 
flood insurance program; (2) a telephone number and a 
location on the World Wide Web by which a home owner 
or purchaser can contact the national flood insurance pro-
gram; and (3) that the escrowing of flood insurance pay-
ments is required for many loans under section 102(d) of 
the Flood Disaster Protection Act of 1973, and may be 
a convenient and available option with respect to other 
loans.’’. 
SEC. 21. REITERATION OF FEMA RESPONSIBILITIES UNDER 
2004 REFORM ACT. 
(a) APPEALS PROCESS.—As directed in section 205 
of the Bunning-Bereuter-Blumenauer Flood Insurance 
Reform Act of 2004 (42 U.S.C. 4011 note), the Director 
VerDate Aug 31 2005 
22:13 Sep 28, 2007
Jkt 059200
PO 00000
Frm 00044
Fmt 6652
Sfmt 6201
E:\BILLS\H3121.RFS
H3121
mstockstill on PROD1PC66 with BILLS
HR 3121 RFS
of the Federal Emergency Management Agency is again 
directed to, not later than 90 days after the date of the 
enactment of this Act, establish an appeals process 
through which holders of a flood insurance policy may ap-
peal the decisions, with respect to claims, proofs of loss, 
and loss estimates relating to such flood insurance policy 
as required by such section. 
(b) MINIMUM TRAINING AND EDUCATION REQUIRE-
MENTS.—The Director of the Federal Emergency Man-
agement Agency is directed to continue to work with the 
insurance industry, State insurance regulators, and other 
interested parties to implement the minimum training and 
education standards for all insurance agents who sell flood 
insurance policies that were established by the Director 
under the notice published September 1, 2005 (70 Fed. 
Reg. 52117) pursuant to section 207 of the Bunning-Be-
reuter-Blumenauer Flood Insurance Reform Act of 2004 
(42 U.S.C. 4011 note). 
(c) REPORT.—Not later than the expiration of the 6- 
month period beginning on the date of the enactment of 
this Act, the Director of the Federal Emergency Manage-
ment Agency shall submit a report to the Congress de-
scribing the implementation of each provision of the 
Bunning-Bereuter-Blumenauer Flood Insurance Reform 
Act of 2004 (Public Law 108–264) and identifying each 
VerDate Aug 31 2005 
22:13 Sep 28, 2007
Jkt 059200
PO 00000
Frm 00045
Fmt 6652
Sfmt 6201
E:\BILLS\H3121.RFS
H3121
mstockstill on PROD1PC66 with BILLS
HR 3121 RFS
regulation, order, notice, and other material issued by the 
Director in implementing each such provision. 
SEC. 22. ONGOING MODERNIZATION OF FLOOD MAPS AND 
ELEVATION STANDARDS. 
(a) ONGOING FLOOD MAPPING PROGRAM.—Section 
1360 of the National Flood Insurance Act of 1968 (42 
U.S.C. 4101) is amended by adding at the end the fol-
lowing new subsection: 
‘‘(k) ONGOING PROGRAM TO REVIEW, UPDATE, AND 
MAINTAIN FLOOD INSURANCE PROGRAM MAPS.— 
‘‘(1) IN GENERAL.—The Director, in coordina-
tion with the Technical Mapping Advisory Council 
established pursuant to section 576 of the National 
Flood Insurance Reform Act of 1994 (42 U.S.C. 
4101 note) and section 22(b) of the Flood Insurance 
Reform and Modernization Act of 2007, shall estab-
lish an ongoing program under which the Director 
shall review, update, and maintain national flood in-
surance program rate maps in accordance with this 
subsection. 
‘‘(2) INCLUSIONS.— 
‘‘(A) COVERED
AREAS.—Each map up-
dated under this subsection shall include a de-
piction of— 
‘‘(i) the 500-year floodplain; 
VerDate Aug 31 2005 
22:13 Sep 28, 2007
Jkt 059200
PO 00000
Frm 00046
Fmt 6652
Sfmt 6201
E:\BILLS\H3121.RFS
H3121
mstockstill on PROD1PC66 with BILLS
HR 3121 RFS
‘‘(ii) areas that could be inundated as 
a result of the failure of a levee, as deter-
mined by the Director; 
‘‘(iii) areas that could be inundated as 
a result of the failure of a dam, as identi-
fied under the National Dam Safety Pro-
gram Act (33 U.S.C. 467 et seq.); and 
‘‘(iv) the 100-year floodplain, includ-
ing any area that would be in the 100-year 
floodplain if not protected by a levee, dam, 
or other man-made structure. 
‘‘(B) OTHER
INCLUSIONS.—In updating 
maps under this subsection, the Director may 
include— 
‘‘(i) any relevant information on 
coastal inundation from— 
‘‘(I) an applicable inundation 
map of the Corps of Engineers; and 
‘‘(II) data of the National Oce-
anic and Atmospheric Administration 
relating to storm surge modeling; 
‘‘(ii) any relevant information of the 
Geographical Service on stream flows, wa-
tershed characteristics, and topography 
that is useful in the identification of flood 
VerDate Aug 31 2005 
22:13 Sep 28, 2007
Jkt 059200
PO 00000
Frm 00047
Fmt 6652
Sfmt 6201
E:\BILLS\H3121.RFS
H3121
mstockstill on PROD1PC66 with BILLS
HR 3121 RFS
hazard areas, as determined by the Direc-
tor; and 
‘‘(iii) a description of any hazard that 
might impact flooding, including, as deter-
mined by the Director— 
‘‘(I) land subsidence and coastal 
erosion areas; 
‘‘(II) sediment flow areas; 
‘‘(III) mud flow areas; 
‘‘(IV) ice jam areas; and 
‘‘(V) areas on coasts and inland 
that are subject to the failure of 
structural protective works, such as 
levees, dams, and floodwalls. 
‘‘(C) EFFECTS OF GLOBAL WARMING.—In 
updating and maintaining maps under this sec-
tion, the Director shall— 
‘‘(i) take into consideration and ac-
count for the impacts of global climate 
change on flood, storm, and drought risks 
in the United States; 
‘‘(ii) take into consideration and ac-
count for the potential future impact of 
global 
climate 
change-related 
weather 
events, such as increased hurricane activ-
VerDate Aug 31 2005 
22:13 Sep 28, 2007
Jkt 059200
PO 00000
Frm 00048
Fmt 6652
Sfmt 6201
E:\BILLS\H3121.RFS
H3121
mstockstill on PROD1PC66 with BILLS