I 
116TH CONGRESS 
1ST SESSION H. R. 3167 
To reform and reauthorize the National Flood Insurance Program, and for 
other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
JUNE 10, 2019 
Ms. WATERS introduced the following bill; which was referred to the Com-
mittee on Financial Services, and in addition to the Committee on Trans-
portation and Infrastructure, 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 committee concerned 
A BILL 
To reform and reauthorize 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; TABLE OF CONTENTS. 
(a) SHORT TITLE.—This Act may be cited as the 
‘‘National Flood Insurance Program Reauthorization Act 
of 2019’’. 
(b) TABLE OF CONTENTS.—The table of contents for 
this Act is as follows: 
Sec. 1. Short title; table of contents. 
Sec. 2. Congressional findings. 
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TITLE I—REAUTHORIZATION AND AFFORDABILITY 
Sec. 101. Program extension. 
Sec. 102. Demonstration program for policy affordability. 
Sec. 103. Premium and fees relief for families and small businesses. 
Sec. 104. Monthly installment payment of premiums. 
Sec. 105. State revolving loan funds for low-interest loans. 
TITLE II—MAPPING 
Sec. 201. Reauthorization of appropriations for National Flood Mapping Pro-
gram. 
Sec. 202. National Flood Mapping Program. 
Sec. 203. Flood mapping modernization and homeowner empowerment pilot 
program. 
Sec. 204. Mapping improvements and reach. 
Sec. 205. Appeals regarding existing flood maps. 
Sec. 206. Appeals and publication of projected special flood hazard areas. 
Sec. 207. Communication and outreach regarding map changes. 
Sec. 208. Adoption of partial flood maps. 
Sec. 209. New zone for levee-impacted areas. 
Sec. 210. Agricultural structures in special flood hazard zones. 
Sec. 211. Technical Mapping Advisory Council. 
TITLE III—MITIGATION 
Sec. 301. Increased cost of compliance coverage. 
Sec. 302. Multiple-loss properties. 
Sec. 303. Premium rates for certain mitigated properties. 
Sec. 304. Coverage for cooperatives. 
Sec. 305. Voluntary community-based flood insurance pilot program. 
Sec. 306. Mitigation funding. 
Sec. 307. Community Rating System Improvements. 
Sec. 308. Community assistance program for effective floodplain management. 
TITLE IV—MODERNIZATION 
Sec. 401. Effect of Private Flood Insurance Coverage on Continuous Coverage 
Requirements. 
Sec. 402. Optional coverage for umbrella policies. 
Sec. 403. Annual independent actuarial study. 
SEC. 2. CONGRESSIONAL FINDINGS. 
The Congress finds that— 
(1) since 2016, communities and families across 
the United States have suffered over $300 billion in 
losses as a result of flooding; 
(2) flooding disasters in the United States 
present a threat to people, property, and taxpayers; 
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(3) the National Flood Insurance Program 
(NFIP) is a key component of the Federal Govern-
ment’s efforts to minimize the damage and financial 
impact of floods; 
(4) the NFIP is the principal provider of flood 
insurance in the United States, covering over 5 mil-
lion households and businesses across the country; 
(5) affordability of flood insurance coverage re-
mains a serious concern; 
(6) investment in mitigation is a cost-effective 
means of reducing risk; 
(7) a policyholder’s ability to pay for flood in-
surance coverage should be considered for premium 
rate discounts; and 
(8) in the absence of widespread private insur-
ance industry participation, and as a matter of na-
tional policy, the Federal Government must ensure 
the availability and affordability of flood insurance. 
TITLE I—REAUTHORIZATION 
AND AFFORDABILITY 
SEC. 101. PROGRAM EXTENSION. 
(a) FINANCING.—Subsection (a) of section 1309 of 
the National Flood Insurance Act of 1968 (42 U.S.C. 
4016(a)) is amended by striking ‘‘September 30, 2019’’ 
and inserting ‘‘September 30, 2024’’. 
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(b) PROGRAM EXPIRATION.—Section 1319 of the Na-
tional Flood Insurance Act of 1968 (42 U.S.C. 4026) is 
amended by striking ‘‘September 30, 2019’’ and inserting 
‘‘September 30, 2024’’. 
(c) RETROACTIVE EFFECTIVE DATE.—If this Act is 
enacted after September 30, 2019, the amendments made 
by subsections (a) and (b) shall take effect as if enacted 
on September 30, 2019. 
SEC. 102. DEMONSTRATION PROGRAM FOR POLICY AF-
FORDABILITY. 
(a) AUTHORITY.— 
(1) IN
GENERAL.—The Administrator of the 
Federal Emergency Management Agency shall estab-
lish and carry out a demonstration program under 
this section to demonstrate the effectiveness of pro-
viding means-tested discounted rates for flood insur-
ance coverage made available under the National 
Flood Insurance Act of 1968 for eligible households. 
(2) CONSULTATION.—The Administrator may 
consult with the Secretary of the Treasury and the 
Secretary of Housing and Urban Development about 
the implementation of the program established pur-
suant to paragraph (1). 
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(b) ELIGIBLE HOUSEHOLDS AND PROPERTIES.—The 
Administrator may provide discounted premium rates pur-
suant to this section only for properties that are— 
(1) 1- to 4-family residential properties; and 
(2) the primary residence of a household whose 
income does not exceed 80 percent of the area me-
dian income, as determined by the Administrator in 
consultation with the Secretary of Housing and 
Urban Development. 
(c) INCOME DETERMINATIONS.—For purposes of the 
program under this section, the Administrator shall make 
determinations of household income on an annual basis. 
(d) PREMIUM
DISCOUNTS.—Notwithstanding any 
provision of the National Flood Insurance Act of 1968, 
the chargeable premium rate for flood insurance coverage 
made available under the program under this section shall 
be an amount that does not exceed 2 percent of annual 
area median income for the area within which is located 
the property for which the coverage is provided. 
(e) DISCLOSURE OF FULL-RISK RATE.—The Admin-
istrator shall provide to each policyholder purchasing flood 
insurance coverage under the program under this section 
for a property, not later than the commencement of the 
period of such coverage, a written statement setting forth 
the full actuarial premium rate for coverage for such prop-
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erty determined in accordance with section 1307(a)(1) of 
the National Flood Insurance Act of 1968 (42 U.S.C. 
4014(a)(1)), the amount of the premium discount for such 
coverage, and any other information the Director con-
siders helpful to policyholders in understanding flood in-
surance coverage and costs. 
(f) GUIDANCE.—Not later than the expiration of the 
12-month period beginning on the date of the enactment 
of this Act, the Administrator shall issue guidance pro-
viding for the establishment of the demonstration program 
under this section, which shall include— 
(1) an estimation of the cost of the program 
stated in terms of the aggregate of premium dis-
counts to be made available under the program; 
(2) a description of how the Administrator will 
determine eligibility for households to participate in 
the program; 
(3) any new requirements to which policy-
holders participating in the program will be subject; 
(4) the results of any consultation with the Sec-
retary of the Treasury or the Secretary of Housing 
and Urban Development. 
(g) REPORT TO CONGRESS.— 
(1) COLLECTION OF INFORMATION.—The Ad-
ministrator shall collect by survey or other means, 
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for each participating community in the national 
flood insurance program and regarding each year 
during the period beginning 5 years before imple-
mentation of the demonstration program under this 
section and ending upon the termination date under 
subsection (j), the following information: 
(A) The demographic characteristics of 
households purchasing flood insurance coverage 
under such program. 
(B) The average median income of such 
households. 
(C) The number of properties located in 
areas for which a major disaster related to 
flooding was declared pursuant to the Robert T. 
Stafford Disaster Relief and Emergency Assist-
ance Act. 
(D) The number of policies made available 
under the national flood insurance program and 
the number and aggregate amount of claims 
submitted under such program. 
(E) For all properties in such community 
receiving discounted coverage under the dem-
onstration program under this section, the ag-
gregate amount of the full actuarial premium 
rate for coverage that is determined in accord-
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ance with section 1307(a)(1) of the National 
Flood Insurance Act of 1968 (42 U.S.C. 
4014(a)(1)) and the aggregate amount of pre-
mium discounts provided under the demonstra-
tion program. 
(F) For all properties in such community, 
any changes to such full actuarial premium 
rates due to mapping changes or other factors. 
(2) REPORT TO CONGRESS.—Not later than the 
expiration of the 5-year period beginning upon the 
implementation of the demonstration program under 
this section, the Administrator shall submit to the 
Congress a report evaluating the effectiveness of the 
assistance provided under the program, which shall 
include— 
(A) a statement of the number of house-
holds participating in the program and the 
rates of participation by communities partici-
pating in the national flood insurance program, 
including whether such rates of participation 
have changed by year; and 
(B) an estimate of the cost of the program 
to the National Flood Insurance Fund under 
section 1310 of the National Flood Insurance 
Act of 1968 (42 U.S.C. 4017). 
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(h) DEFINITIONS.—For purposes of this section, the 
following definitions shall apply: 
(1) ADMINISTRATOR.—The term ‘‘Adminis-
trator’’ means the Administrator of the Federal 
Emergency Management Agency. 
(2) PREMIUM DISCOUNT.—The term ‘‘premium 
discount’’ means, with respect to a policy for flood 
insurance coverage under the national flood insur-
ance program made available under the program 
under this section, the amount by which the full ac-
tuarial premium rate for coverage for such property 
that is determined in accordance with section 
1307(a)(1) of the National Flood Insurance Act of 
1968 (42 U.S.C. 4014(a)(1)) exceeds the chargeable 
premium rate for the coverage made available under 
the program under this section. 
(i) TERMINATION.—The authority under this section 
to provide discounted premium rates for flood insurance 
coverage shall terminate on May 31, 2024. 
SEC. 103. PREMIUM AND FEES RELIEF FOR FAMILIES AND 
SMALL BUSINESSES. 
(a) REPEAL OF SURCHARGE.— 
(1) REPEAL.—Section 1308A of the National 
Flood Insurance Act of 1968 (42 U.S.C. 4015a) is 
hereby repealed. 
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(2) CONFORMING AMENDMENTS.—The National 
Flood Insurance Act of 1968 is amended— 
(A) 
in 
section 
1308(m) 
(42 
U.S.C. 
4015(m))— 
(i) in paragraph (1), by striking ‘‘and 
the 
surcharges 
required 
under 
section1308A’ ’’; and 
(ii) in paragraph (2), by striking ‘‘or 
surcharges’’; and 
(B) in section 1310A(c) (42 U.S.C. 
4017a(c)), by striking paragraph (4). 
(b) SMALL LOAN EXCEPTION TO MANDATORY PUR-
CHASE REQUIREMENT.—Subparagraph (A) of section 
102(c)(2) of the Flood Disaster Protection Act of 1973 
(42 U.S.C. 4012a(c)(2)(A)) is amended by striking 
‘‘$5,000’’ and inserting ‘‘$25,000’’. 
SEC. 104. MONTHLY INSTALLMENT PAYMENT OF PRE-
MIUMS. 
(a) AUTHORITY.—Subsection (g) of section 1308 of 
the National Flood Insurance Act of 1968 (42 U.S.C. 
4015(g)) is amended— 
(1) by striking the subsection designation and 
all that follows through ‘‘With respect’’ and insert-
ing the following: 
‘‘(g) FREQUENCY OF PREMIUM COLLECTION.— 
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‘‘(1) OPTIONS.—With respect’’; and 
(2) by adding at the end the following: 
‘‘(2) MONTHLY
INSTALLMENT
PAYMENT
OF 
PREMIUMS.— 
‘‘(A) EXEMPTION
FROM
RULEMAKING.— 
Until such time as the Administrator promul-
gates regulations implementing paragraph (1) 
of this subsection, the Administrator may adopt 
policies and procedures, notwithstanding any 
other provisions of law and in alignment and 
consistent with existing industry escrow and 
servicing standards, necessary to implement 
such paragraph without undergoing notice and 
comment rulemaking and without conducting 
regulatory analyses otherwise required by stat-
ute, regulation, or Executive order. 
‘‘(B) PILOT
PROGRAM.—The Adminis-
trator may initially implement paragraph (1) of 
this subsection as a pilot program that provides 
for a gradual phase-in of implementation. 
‘‘(C) POLICYHOLDER
PROTECTION.—The 
Administrator may— 
‘‘(i) during the 12-month period be-
ginning on the date of the enactment of 
this subparagraph, charge policyholders 
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choosing to pay premiums in monthly in-
stallments a fee for the total cost of the 
monthly collection of premiums not to ex-
ceed $25 annually; and 
‘‘(ii) after the expiration of the 12- 
month period referred to in clause (i), ad-
just the fee charged annually to cover the 
total cost of the monthly collection of pre-
miums as determined by the report sub-
mitted pursuant to subparagraph (D). 
‘‘(D) ANNUAL
REPORTS.—On an annual 
basis, the Administrator shall report to the 
Committee on Financial Services of the House 
of Representatives and the Committee on Bank-
ing, Housing, and Urban Affairs of the Senate 
the ongoing costs associated with the monthly 
payment of premiums.’’. 
(b) 
IMPLEMENTATION.—Clause 
(ii) 
of 
section 
1307(a)(1)(B) of the National Flood Insurance Act of 
1968 (42 U.S.C. 4014(a)(1)(B)(ii)) is amended by insert-
ing before ‘‘any administrative expenses’’ the following: 
‘‘the costs associated with the monthly collection of pre-
miums provided for in section 1308(g) (42 U.S.C. 
4015(g)), but only if such costs exceed the operating costs 
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and allowances set forth in clause (i) of this subparagraph, 
and’’. 
SEC. 105. STATE REVOLVING LOAN FUNDS FOR LOW-INTER-
EST LOANS. 
Chapter I of the National Flood Insurance Act of 
1968 (42 U.S.C. 4011 et seq.) is amended by adding at 
the end the following new section: 
‘‘SEC. 1326. STATE REVOLVING LOAN FUNDS FOR LOW-IN-
TEREST LOANS. 
‘‘(a) DEFINITIONS.—In this section— 
‘‘(1) the term ‘Community Rating System’ 
means the community rating system carried out 
under section 1315(b); 
‘‘(2) the term ‘eligible State’ means a State, the 
District of Columbia, and the Commonwealth of 
Puerto Rico; 
‘‘(3) the term ‘insular area’ means— 
‘‘(A) Guam; 
‘‘(B) American Samoa; 
‘‘(C) the Commonwealth of the Northern 
Mariana Islands; 
‘‘(D) the Federated States of Micronesia; 
‘‘(E) the Republic of the Marshall Islands; 
‘‘(F) the Republic of Palau; and 
‘‘(G) the United States Virgin Islands; 
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‘‘(4) the term ‘intended use plan’ means a plan 
prepared under subsection (d)(1); 
‘‘(5) the term ‘low-income geographic area’ 
means an area described in paragraph (1) or (2) of 
section 301(a) of the Public Works and Economic 
Development Act of 1965 (42 U.S.C. 3161(a)); 
‘‘(6) the term ‘low-income homeowner’ means 
the owner of a primary residence, the household in-
come of which in a taxable year is not more than 80 
percent of the median income for the area in which 
the residence is located; 
‘‘(7) the term ‘participating State’ means an el-
igible State that— 
‘‘(A) has entered into an agreement under 
subsection (b)(1); and 
‘‘(B) agrees to comply with the require-
ments of this section; 
‘‘(8) the term ‘pre-FIRM building’ means a 
building for which construction or substantial im-
provement occurred before the effective date of the 
initial Flood Insurance Rate Map published by the 
Administrator under section 1360 for the area in 
which the building is located; 
‘‘(9) the term ‘repetitive loss structure’ has the 
meaning given the term in section 1370(a); 
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‘‘(10) the term ‘severe repetitive loss property’ 
has the meaning given the term in section 1307(h); 
‘‘(11) the term ‘State loan fund’ means a flood 
mitigation assistance revolving loan fund established 
by an eligible State under this section; and 
‘‘(12) the term ‘tribal government’ means the 
recognized government of an Indian tribe, or the 
governing body of an Alaska Native regional or vil-
lage corporation, that has been determined eligible 
to receive services from the Bureau of Indian Af-
fairs. 
‘‘(b) GENERAL AUTHORITY.— 
‘‘(1) IN
GENERAL.—The Administrator may 
enter into an agreement with an eligible State to 
provide a capitalization grant for the eligible State 
to establish a revolving fund that will provide fund-
ing assistance to help homeowners, businesses, non-
profit organizations, and communities reduce flood 
risk in order to decrease— 
‘‘(A) the loss of life and property; 
‘‘(B) the cost of flood insurance; and 
‘‘(C) Federal disaster payments. 
‘‘(2) TIMING
OF
DEPOSIT
AND
AGREEMENTS 
FOR DISTRIBUTION OF FUNDS.— 
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‘‘(A) IN
GENERAL.—Not later than the 
last day of the fiscal year following the fiscal 
year in which a capitalization grant is made to 
a participating State under paragraph (1), the 
participating State shall— 
‘‘(i) deposit the grant in the State 
loan fund of the State; and 
‘‘(ii) enter into one or more binding 
agreements that provide for the State to 
distribute the grant funds for purposes au-
thorized under subsection (c) such that— 
‘‘(I) in the case of the initial 
grant made under this section to a 
State, not less than 75 percent of the 
amount of the grant funds shall be 
distributed before the expiration of 
the 24-month period beginning upon 
deposit of such funds in the State 
loan fund of the State; and 
‘‘(II) in the case of any subse-
quent grant made under this section 
to a State, not less than 90 percent of 
the amount of the grant funds made 
under the capitalization grant shall be 
distributed before the expiration of 
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‘‘(iii) The procedures described in this 
clause are as follows: 
‘‘(I) Divide the total amount col-
lected in premiums for properties in-
sured under the national flood insur-
ance program in each participating 
State during the previous fiscal year 
by the number of properties insured 
under the national flood insurance 
program in that State for that fiscal 
year. 
‘‘(II) Add together each quotient 
obtained under subclause (I). 
‘‘(III) For each participating 
State, divide the quotient obtained 
under subclause (I) with respect to 
that State by the sum obtained under 
subclause (II). 
‘‘(IV) For each participating 
State, multiply the amount that is 50 
percent of the total amount made 
available under subparagraph (A) by 
the quotient obtained under subclause 
(III). 
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‘‘(iv) Except as provided in paragraph 
(5), in a fiscal year— 
‘‘(I) a participating State may 
not receive more than 15 percent of 
the total amount that is made avail-
able under subparagraph (A) in that 
fiscal year; and 
‘‘(II) if a participating State, 
based on the requirements under 
clauses (i) through (iii), would, but 
for the limit under subclause (I) of 
this clause, receive an amount that is 
greater than the amount the State is 
authorized to receive under that sub-
clause, the difference between the au-
thorized amount and the amount oth-
erwise due to the State under clauses 
(i) through (iii) shall be allocated to 
other participating States— 
‘‘(aa) that, in that fiscal 
year, 
have 
not 
received 
an 
amount under subparagraph (A) 
that is more than the authorized 
amount under subclause (I) of 
this clause; and 
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‘‘(bb) by using the require-
ments under clauses (i) through 
(iii), except that a participating 
State may receive an allocation 
under this subclause only if the 
allocation does not result in the 
State receiving a total amount 
for the fiscal year under subpara-
graph (A) that is greater than 
the authorized amount under 
subclause (I). 
‘‘(4) NO REVOLVING FUND REQUIRED.— 
‘‘(A) IN GENERAL.—Notwithstanding any 
other provision of this section, and subject to 
subparagraph (B), a participating State that 
receives less than $4,000,000 under paragraph 
(3)(B) in a fiscal year may distribute the funds 
directly in the form of grants or technical as-
sistance for a purpose described in subsection 
(c)(2), without regard to whether the State has 
established a State loan fund. 
‘‘(B) STATE MATCHING.—A participating 
State that exercises the authority under sub-
paragraph (A) in a fiscal year shall provide 
matching funds from non-Federal sources in an 
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amount that is equal to 15 percent of the 
amount that the State receives under paragraph 
(3)(B) in that fiscal year for purposes described 
in subparagraph (A). 
‘‘(5) ALLOCATION
OF
REMAINING
FUNDS.— 
After allocating amounts made available to carry out 
this section for a fiscal year in accordance with 
paragraph (3), the Administrator shall allocate any 
remaining amounts made available for that fiscal 
year to participating States, using the procedures 
described in clauses (i) through (iii) of paragraph 
(3)(B). 
‘‘(6) ALLOCATION FOR TRIBAL GOVERNMENTS 
AND INSULAR AREAS.—The Administrator shall re-
serve not less than 5.0 percent of the amount made 
available to carry out this section in a fiscal year to 
enter into grant agreements with tribal governments 
and insular areas, with the grant funds to be distrib-
uted— 
‘‘(A) according to criteria established by 
the Administrator; and 
‘‘(B) for a purpose described in subsection 
(c)(2). 
‘‘(7) ADMINISTRATIVE COSTS; TECHNICAL AS-
SISTANCE.—The Administrator shall reserve not 
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more than 2.5 percent of the amount made available 
to carry out this section in a fiscal year— 
‘‘(A) for administrative costs incurred in 
carrying out this section; and 
‘‘(B) to provide technical assistance to re-
cipients of grants under this section. 
‘‘(c) USE OF FUNDS.— 
‘‘(1) IN
GENERAL.—Amounts deposited in a 
State loan fund, including repayments of loans made 
from the fund and interest earned on the amounts 
in the fund, shall be used— 
‘‘(A) consistent with paragraphs (2) and 
(3) and subsection (g), to provide financial as-
sistance for— 
‘‘(i) homeowners, businesses, and non-
profit organizations that are eligible to 
participate in the national flood insurance 
program; and 
‘‘(ii) any local government that par-
ticipates in the national flood insurance 
program; 
‘‘(B) as a source of revenue and security 
for leveraged loans, the proceeds of which shall 
be deposited in the State loan fund; or 
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‘‘(C) for the sale of bonds as security for 
payment of the principal and interest on rev-
enue or general obligation bonds issued by the 
participating State to provide matching funds 
under subsection (g), if the proceeds from the 
sale of the bonds are deposited in the State 
loan fund. 
‘‘(2) PURPOSES.—A recipient of financial as-
sistance provided through amounts from a State 
loan fund— 
‘‘(A) shall use the amounts to reduce— 
‘‘(i) flood risk; or 
‘‘(ii) potential flood claims submitted 
under the national flood insurance pro-
gram; 
‘‘(B) shall use the amounts in a cost-effec-
tive manner under requirements established by 
the State, which may require an applicant for 
financial assistance to submit any information 
that the State considers relevant or necessary 
before the date on which the applicant receives 
the assistance; 
‘‘(C) shall use the amounts for projects 
that— 
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‘‘(i) meet design and construction 
standards established by the Adminis-
trator; 
‘‘(ii) are located in communities 
that— 
‘‘(I) participate in the national 
flood insurance program; and 
‘‘(II) have developed a State, 
local, or tribal government hazard 
mitigation plan that has been ap-
proved by the Administrator under 
section 1366; 
‘‘(iii)(I) address a repetitive loss 
structure or a severe repetitive loss prop-
erty; or 
‘‘(II) address flood risk in the 500- 
year floodplain, areas of residual flood risk, 
or other areas of potential flood risk, as 
identified by the Administrator; and 
‘‘(iv) address current risk and antici-
pate future risk, such as sea-level rise; 
‘‘(D) may use the amounts— 
‘‘(i) for projects relating to— 
‘‘(I) structural elevation; 
‘‘(II) floodproofing; 
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‘‘(III) the relocation or removal 
of buildings from the 100-year flood-
plain or other areas of flood risk, in-
cluding the acquisition of properties 
for such a purpose; 
‘‘(IV) environmental restoration 
activities that directly reduce flood 
risk; 
‘‘(V) any eligible activity de-
scribed in subparagraphs (A) through 
(G) of section 1366(c)(3); or 
‘‘(VI) other activities determined 
appropriate by the Administrator; 
‘‘(ii) with respect to a project de-
scribed in clause (i), only for expenditures 
directly related to a project described in 
that clause, including expenditures for 
planning, design, and associated pre-con-
struction activities; and 
‘‘(iii) to acquire, for the purposes of 
permanent protection, land, buildings, or a 
conservation easement from a willing seller 
or grantor; 
‘‘(E) may not use the amounts— 
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‘‘(i) to construct buildings or expand 
existing buildings unless the activity is for 
the purpose of flood mitigation; 
‘‘(ii) to improve any structure, unless 
the recipient has obtained flood insurance 
coverage in an amount at least equal to the 
lesser of the eligible project costs or the 
maximum insurable limit for the structure 
under the national flood insurance pro-
gram coverage for the structure, which 
coverage shall be maintained for the useful 
life of the structure; 
‘‘(iii) to improve a residential property 
with an appraised value that is not less 
than 125 percent of the limitation on the 
maximum original principal obligation of a 
conventional mortgage that may be pur-
chased by the Federal National Mortgage 
Association or the Federal Home Loan 
Mortgage Corporation in the area in which 
the property is located, as established 
under section 302(b)(2) of the Federal Na-
tional Mortgage Association Charter Act 
(12 
U.S.C. 
1717(b)(2)) 
and 
section 
305(a)(2) of the Federal Home Loan 
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Mortgage Corporation Act (12 U.S.C. 
1454(a)(2)); 
‘‘(iv) for the direct benefit of a home-
owner if the annual household adjusted 
gross income of the homeowner during the 
previous fiscal year was not less than 
$200,000, as annually adjusted by the Ad-
ministrator to reflect changes in the Con-
sumer Price Index for All Urban Con-
sumers, as published by the Bureau of 
Labor Statistics of the Department of 
Labor and rounded to the nearest $25; or 
‘‘(v) to acquire real property or an in-
terest in real property unless the property 
is purchased from a willing seller; and 
‘‘(F) shall, in the use of such amounts, 
give priority to the maximum extent practicable 
to projects that assist low-income homeowners 
and low-income geographical areas. 
‘‘(d) INTENDED USE PLANS.— 
‘‘(1) IN GENERAL.—After providing the oppor-
tunity for public review and comment, each partici-
pating State shall annually prepare a plan that iden-
tifies, for the year following the date of issuance of 
the intended use plan, the intended uses of the 
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amounts available in the State loan fund of the par-
ticipating State. 
‘‘(2) CONSULTATION DURING PREPARATION.— 
Each participating State, in preparing an intended 
use plan, shall ensure that the State agency with 
primary responsibility for floodplain management— 
‘‘(A) provides oversight with respect to the 
preparation of the intended use plan; and 
‘‘(B) consults with any other appropriate 
State agency, including agencies responsible for 
coastal and environmental management. 
‘‘(3) CONTENTS.—A participating State shall, 
in each intended use plan— 
‘‘(A) include— 
‘‘(i) an explanation of the mitigation 
and resiliency benefits the State intends to 
achieve, including by— 
‘‘(I) reducing future damage and 
loss associated with flooding; 
‘‘(II) reducing the number of se-
vere repetitive loss properties and re-
petitive loss structures in the State; 
‘‘(III) decreasing the number of 
flood insurance claims in the State; 
and 
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from the State loan fund shall be given to 
projects that— 
‘‘(i) address severe repetitive loss 
properties and repetitive loss structures; 
‘‘(ii) assist low-income homeowners 
and low-income geographic areas; and 
‘‘(iii) address flood risk for pre-FIRM 
buildings. 
‘‘(4) PUBLICATION.—Each participating State 
shall publish and periodically update a list of all 
projects receiving funding from the State loan fund 
of the State, which shall include identification of— 
‘‘(A) the community in which the project is 
located; 
‘‘(B) the type and amount of assistance 
provided for each project; and 
‘‘(C) the expected funding schedule and 
date of completion of each project. 
‘‘(e) FUND MANAGEMENT.—Amounts in a State loan 
fund shall— 
‘‘(1) remain available for providing financial as-
sistance under this section until distributed; 
‘‘(2) if the amounts are not required for imme-
diate distribution or expenditure, be invested in in-
terest-bearing obligations; and 
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‘‘(3) except as provided in subsection (i), in-
clude only— 
‘‘(A) amounts received from capitalization 
grants made under this section; 
‘‘(B) repayments of loans made from the 
fund; and 
‘‘(C) interest earned on amounts in the 
fund. 
‘‘(f) MATCHING FUNDS.— 
‘‘(1) FULL GRANT.—On or before the date on 
which a participating State receives a capitalization 
grant, the State shall deposit into the State loan 
fund of the State, in addition to the amount of the 
capitalization grant, an amount from non-Federal 
sources that is not less than 10 percent of the total 
amount of the capitalization grant. 
‘‘(2) REDUCED GRANT.—Notwithstanding para-
graph (1), if a State deposits in the State loan fund 
of the State in connection a capitalization grant an 
amount from non-Federal sources that is less than 
10 percent of the total amount of the capitalization 
grant that would otherwise be received by the State, 
the Administrator shall reduce the amount of the 
capitalization grant received by the State to the 
amount that is 10 times the amount so deposited 
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and shall allocate such remaining grant amounts 
under subsection (b)(5) together with the amounts 
allocated under such subsection. 
‘‘(g) TYPES OF ASSISTANCE.—Unless otherwise pro-
hibited by State law, a participating State may use the 
amounts deposited into a State loan fund under this sec-
tion only— 
‘‘(1) to make a loan, on the condition that— 
‘‘(A) the interest rate for the loan is not 
more than the market interest rate; 
‘‘(B) the recipient of the loan will begin 
making principal and interest payments on the 
loan not later than 1 year after the date on 
which the project for which the loan was made 
is completed; 
‘‘(C) the loan will be fully amortized not 
later than 20 years after the date on which the 
project for which the loan was made is com-
pleted, except that, in the case of a loan made 
for a project in a low-income geographic area or 
to a low-income homeowner, the State may pro-
vide a longer amortization period for the loan if 
that longer period— 
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‘‘(i) ends on a date that is not later 
than 30 years after the date on which the 
project is completed; and 
‘‘(ii) is not longer than the expected 
design life of the project; 
‘‘(D) the recipient of the loan dem-
onstrates, based on verified and documented in-
formation that, at the time the loan is con-
summated, that the recipient has a reasonable 
ability to repay the loan, according to its terms, 
except that this subparagraph may not be con-
strued to authorize any reduction or limitation 
in efforts to comply with the requirements of 
subsection (c)(2)(E) (relating to priority for as-
sistance for low-income homeowners and low-in-
come geographical areas); and 
‘‘(E) payments of principal and interest 
with respect to the loan will be deposited into 
the State loan fund; 
‘‘(2) to buy or refinance the debt obligation of 
a local government related to flood mitigation or re-
siliency activities, at an interest rate that is not 
more than the market interest rate; 
‘‘(3) to guarantee, or purchase insurance for, a 
local obligation, the proceeds of which finance a 
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project eligible for assistance under this section, if 
the guarantee or purchase, as applicable, would— 
‘‘(A) improve credit market access; or 
‘‘(B) reduce the interest rate with respect 
to the obligation; 
‘‘(4) as a source of revenue or as security for 
the payment of principal and interest on revenue or 
general obligation bonds issued by the State if the 
proceeds of the sale of the bonds will be deposited 
into the State loan fund; or 
‘‘(5) to earn interest on those amounts. 
‘‘(h) ASSISTANCE FOR LOW-INCOME HOMEOWNERS 
AND LOW-INCOME GEOGRAPHIC AREAS.— 
‘‘(1) IN GENERAL.—Notwithstanding any other 
provision of this section, if a participating State uses 
amounts from a State loan fund to provide financial 
assistance under subsection (c) in a low-income geo-
graphic area or to a low-income homeowner, the 
State may provide additional subsidization to the re-
cipient of the assistance, including forgiveness of the 
principal of a loan. 
‘‘(2) LIMITATION.—For each fiscal year, the 
total amount of additional subsidization provided by 
a participating State under paragraph (1) may not 
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exceed 30 percent of the amount of the capitaliza-
tion grant allocated to the State for that fiscal year. 
‘‘(i) ADMINISTRATION OF FUND.— 
‘‘(1) IN GENERAL.—A participating State may 
combine the financial administration of a State loan 
fund with the financial administration of any other 
revolving fund established by the State if— 
‘‘(A) combining the administration of the 
funds would— 
‘‘(i) be convenient and avoid adminis-
trative costs; and 
‘‘(ii) not violate the law of the State; 
and 
‘‘(B) the Administrator determines that— 
‘‘(i) amounts obtained from a grant 
made under this section, amounts obtained 
from the repayment of a loan made from 
a State loan fund, and interest earned on 
amounts in a State loan fund will be— 
‘‘(I) accounted for separately 
from amounts from other revolving 
funds; and 
‘‘(II) used only for purposes au-
thorized under this section; and 
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‘‘(ii) after consulting with the appro-
priate State agencies, the authority to es-
tablish assistance priorities and carry out 
oversight and related activities, other than 
financial administration, with respect to 
flood assistance remains with the State 
agency with primary responsibility for 
floodplain management. 
‘‘(2) 
ADMINISTRATIVE
AND
TECHNICAL 
COSTS.— 
‘‘(A) IN GENERAL.—For each fiscal year, a 
participating State may use the amount de-
scribed in subparagraph (B) to— 
‘‘(i) pay the reasonable costs of ad-
ministration of the programs under this 
section, including the recovery of reason-
able costs incurred in establishing a State 
loan fund; 
‘‘(ii) provide appropriate oversight of 
projects authorized under this section; and 
‘‘(iii) provide technical assistance and 
outreach to recipients in the State of 
amounts under this section, including with 
respect to updating hazard mitigation 
plans and participating in the Community 
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Rating System, in an amount that is not 
more than 4 percent of the funds made 
available to the State under this section. 
‘‘(B) 
DESCRIPTION.—The 
amount 
de-
scribed in this subparagraph is an amount 
equal to the sum of— 
‘‘(i) any fees collected by a partici-
pating State to recover the costs described 
in subparagraph (A)(i), regardless of the 
source; and 
‘‘(ii) the greatest of— 
‘‘(I) $400,000; 
‘‘(II) 0.2 percent of the value of 
the State loan fund of a State, as of 
the date on which the valuation is 
made; and 
‘‘(III) an amount equal to 7 per-
cent of all grant awards made to a 
participating State for the State loan 
fund of the State under this section 
for the fiscal year. 
‘‘(3) AUDIT AND REPORT.— 
‘‘(A) AUDIT REQUIREMENT.—Not less fre-
quently than biennially, each participating State 
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shall conduct an audit of the State loan fund of 
the State. 
‘‘(B) REPORT.—Each participating State 
shall submit to the Administrator a biennial re-
port regarding the activities of the State under 
this section during the period covered by the re-
port, including— 
‘‘(i) the result of any audit conducted 
by the State under subparagraph (A); and 
‘‘(ii) a review of the effectiveness of 
the State loan fund of the State with re-
spect to— 
‘‘(I) the intended use plans of the 
State; and 
‘‘(II) meeting the objectives de-
scribed in subsection (b)(1). 
‘‘(4) OVERSIGHT.—In conducting oversight with 
respect to State loan funds established under this 
section, the Administrator— 
‘‘(A) shall— 
‘‘(i) periodically audit the funds in ac-
cordance with procedures established by 
the Comptroller General of the United 
States; and 
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‘‘(ii) not less frequently than once 
every 4 years, review each State loan fund 
to determine the effectiveness of the fund 
in reducing flood risk; and 
‘‘(B) may, at any time— 
‘‘(i) make recommendations to a par-
ticipating State with respect to the admin-
istration of the State loan fund of the 
State; or 
‘‘(ii) require specific changes with re-
spect to a State loan fund in order to im-
prove the effectiveness of the fund. 
‘‘(j) LIABILITY PROTECTIONS.—The Federal Govern-
ment shall not be liable for any claim based upon the exer-
cise or performance of, or the failure to exercise or per-
form, a discretionary function or duty on the part of the 
Federal agency, or an employee of the Federal Govern-
ment, in carrying out the provision of this section. 
‘‘(k) REGULATIONS.—The Administrator shall pro-
mulgate such guidance or regulations as may be necessary 
to carry out this section, including guidance or regulations 
that— 
‘‘(1) ensure that each participating State to 
which funds are allocated under this section uses the 
funds as efficiently as possible; 
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‘‘(2) reduce, to the maximum extent prac-
ticable, waste, fraud, and abuse with respect to the 
implementation of this section; and 
‘‘(3) require any party that receives funds di-
rectly or indirectly under this section, including a 
participating State and a recipient of amounts from 
a State loan fund, to use procedures with respect to 
the management of the funds that conform to gen-
erally accepted accounting standards. 
‘‘(l) AUTHORIZATION OF APPROPRIATIONS.—There is 
authorized to be appropriated to carry out this section 
$50,000,000 for each of fiscal years 2020 through 2024.’’. 
TITLE II—MAPPING 
SEC. 201. REAUTHORIZATION OF APPROPRIATIONS FOR 
NATIONAL FLOOD MAPPING PROGRAM. 
Subsection (f) of section 100216 of the Biggert- 
Waters Flood Insurance Reform Act of 2012 (42 U.S.C. 
4101(b)) is amended by striking ‘‘$400,000,000 for each 
of fiscal years 2013 through 2017’’ and inserting 
‘‘$500,000,000 for each of fiscal years 2019 through 
2023’’. 
SECTION 202. NATIONAL FLOOD MAPPING PROGRAM. 
(a) INCLUSION OF CADASTRAL FEATURES IN RATE 
MAPS.—Section 100216(b)(3) of the Biggert-Waters 
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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) in subparagraph (E), by striking the period 
at the end and inserting ‘‘; and’’; and 
(3) by adding at the end the following: 
‘‘(F) cadastral features, including, for each 
cadastral feature— 
‘‘(i) the associated parcel identifica-
tion data for such cadastral feature; and 
‘‘(ii) to the maximum extent prac-
ticable, using public and private sector ad-
dress data, the address of such cadastral 
feature.’’. 
(b) FORMAT OF RATE MAPS.—Section 100216(c)(2) 
of the Biggert-Waters Flood Insurance Reform Act of 
2012 (42 U.S.C. 4101b(c)(2)) is amended— 
(1) in subparagraph (B), by striking ‘‘and’’ at 
the end; 
(2) in subparagraph (C), by striking the period 
at the end and inserting ‘‘; and’’; and 
(3) by adding at the end the following: 
‘‘(D) spatially accurate in accordance with 
the common protocols for geospatial data under 
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section 757 of the Geospatial Data Act of 2018 
(43 U.S.C. 2806).’’. 
(c) ADDITIONAL CONSIDERATIONS.—Section 100216 
of the Biggert-Waters Flood Insurance Reform Act of 
2012 (42 U.S.C. 4101b) is amended— 
(1) by redesignating subsection (f) as sub-
section (m); and 
(2) by inserting after subsection (e) the fol-
lowing: 
‘‘(g) STREAM FLOW NETWORKS.— 
‘‘(1) IN GENERAL.—The Administrator shall co-
ordinate with the United States Geological Survey 
for the sharing of data from stream flow networks 
critical to the National Flood Insurance Program, 
flood risk mapping, and flood risk assessments, to 
ensure that— 
‘‘(A) the stream gage stations in such 
stream flow networks are operational and use 
modern hardware; 
‘‘(B) such stream flow networks are suffi-
ciently densified by adding new stream gage 
stations in high-risk areas; 
‘‘(C) inactive critical stream gage stations 
in such stream flow networks are reactivated; 
and 
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‘‘(D) the speed of the geospatial real-time 
data feeds from such stream gage stations is in-
creased. 
‘‘(2) DEFINITIONS.—In this subsection: 
‘‘(A) STREAM FLOW NETWORK.—The term 
‘stream flow network’ means a network of 
stream flow gages maintained under the direc-
tion of the United States Geological Survey and 
its partners that is used to measure or record 
the flow of water down a stream or river, or 
through an entire watershed system, and trans-
mit such information using a geospatial real- 
time data feed. 
‘‘(B) STREAM GAGE STATION.—The term 
‘stream gage station’ means a device installed 
at the edge of a river or stream that measures 
or records the flow of water down the stream 
and additional information such as water 
height, water chemistry, and water tempera-
ture. 
‘‘(3) RULE OF CONSTRUCTION.—The purpose 
of this subsection is to require cooperation between 
the Federal Emergency Management Agency and 
the United States Geological Survey and nothing in 
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this subsection may be construed to require or obli-
gate funding expenditures. 
‘‘(h) AVAILABILITY OF DATA TO PUBLIC.—The Ad-
ministrator shall make available to the public on the 
website of the Federal Emergency Management Agency a 
national geospatial data repository that— 
‘‘(1) provides access to the raw data used to in-
clude the cadastral features and parcel identification 
data in National Flood Insurance Program rate 
maps; 
‘‘(2) to the extent that such data is available, 
allows users to view, query, and obtain such data at 
multiple levels of detail, including down to the prop-
erty level; 
‘‘(3) allows users to view flood risks, flood in-
surance zones, and flood elevations; 
‘‘(4) provides access to flood mapping and re-
lated information such as— 
‘‘(A) hydrologic and hydraulic models used 
in determining flood risk; 
‘‘(B) structure footprints where available 
as part of a national structure inventory; 
‘‘(C) flood depth grids; 
‘‘(D) flood risk reports; 
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‘‘(E) flood risk assessments (Hazus anal-
yses); 
‘‘(F) hazard mitigation plans; and 
‘‘(G) other flood risk products at the dis-
cretion of the Administrator; and 
‘‘(5) maintains and disseminates such data in a 
consistent manner. 
‘‘(i) ENSURING
CURRENT
DATA.—Not less fre-
quently than once every 5 years, the Administrator shall 
verify that each National Flood Insurance Program rate 
map contains data that is current and credible. 
‘‘(j) 
QUALIFICATIONS-BASED
SELECTION
CON-
TRACTING.— 
‘‘(1) IN GENERAL.—With respect to a contract 
awarded by the Administrator under this Act, or by 
an entity receiving a grant under this Act, for pro-
gram management, architectural and engineering 
services, or surveying and mapping, such a contract 
shall be awarded to a contractor selected in accord-
ance with the procedures described in section 1103 
of title 40, United States Code (or an applicable 
equivalent State qualifications-based statute). The 
Administrator, or entity, as the case may be, shall 
require such contractor, as a condition of such con-
tract, to award any subcontract for program man-
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agement, architectural and engineering services, or 
surveying and mapping in accordance with the pro-
cedures described in the previous sentence, or the 
applicable equivalent State statute. 
‘‘(2) RELATIONSHIP TO STATE LAW.—Nothing 
in this subsection shall supersede any applicable 
State licensing law governing professional licensure. 
‘‘(3) DEFINITIONS.—In this subsection: 
‘‘(A) ARCHITECTURAL AND ENGINEERING 
SERVICES.—The term ‘architectural and engi-
neering services’ has the meaning given that 
term in section 1102 of title 40, United States 
Code. 
‘‘(B) SURVEYING
AND
MAPPING.—The 
term 
‘surveying 
and 
mapping’ 
includes 
geospatial activities associated with measuring, 
locating, and preparing maps, charts, or other 
graphical or digital presentations depicting nat-
ural and man-made physical features, phe-
nomena, and legal boundaries of the earth, in-
cluding the following: 
‘‘(i) Topographic Engineering Sur-
veying, including acquisition of topographic 
oriented surveying and mapping data for 
design, construction, master planning, op-
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erations, as-built conditions, precise struc-
ture stability studies using conventional 
and electronic instrumentation, photo-
grammetric, LiDAR, remote sensing, iner-
tial, satellite, and other manned and un-
manned survey methods as applicable. 
‘‘(ii) Hydrographic Engineering Sur-
veying, including acquisition of hydro-
graphic oriented surveying and mapping 
data for design, construction, dredging, 
master planning, operations, and as-built 
conditions using conventional and elec-
tronic 
instrumentation, 
and 
photo-
grammetric, remote sensing, inertial, sat-
ellite, side scan sonar, subbottom profiling, 
and other surveying methods, as applica-
ble. 
‘‘(iii) Land Surveying, including prop-
erty 
and 
boundary 
surveys, 
monumentation, marking and posting, and 
preparation of tract descriptions, using 
conventional, electronic instrumentation, 
photogrammetric, inertial, satellite, and 
other survey methods, as applicable. 
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‘‘(iv) Geodetic Surveying, including 
first, second, and third order horizontal 
and vertical control surveys, geodetic as-
tronomy, gravity and magnetic surveys 
using conventional, electronic instrumenta-
tion, photogrammetric, inertial, satellite, 
and other survey methods, as applicable. 
‘‘(v) Cartographic Surveying, includ-
ing acquisition of topographic and hydro-
graphic oriented surveying and mapping 
data for construction of maps, charts, and 
similar products for planning, flood anal-
ysis, and general use purposes using con-
ventional and electronic instrumentation, 
photogrammetric, inertial, satellite, mobile, 
terrestrial, and other survey methods, as 
applicable. 
‘‘(vi) Mapping, charting, and related 
geospatial database development, including 
the design, compilation, digitizing, attrib-
uting, scribing, drafting, printing and dis-
semination of printed or digital map, 
chart, and related geospatial database 
products associated with planning, engi-
neering, operations, and related real estate 
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activities 
using 
photogrammetric, 
geo-
graphic information systems, and other 
manual and computer assisted methods, as 
applicable. 
‘‘(k) DEFINITIONS.—In this section: 
‘‘(1) CADASTRAL FEATURE.—The term ‘cadas-
tral feature’ means the geographic elements and fea-
tures— 
‘‘(A) that are independent of elevation, 
such as roads, structure footprints, and rivers 
and lakes; 
‘‘(B) which are represented on maps to 
show the true location and size of the elements 
in relationship to each other, as they are seen 
from the air; and 
‘‘(C) that are mapped from LiDAR or aer-
ial photography by employing basic photo-
grammetry. 
‘‘(2) PARCEL
IDENTIFICATION
DATA.—The 
term ‘parcel identification data’ means the informa-
tion associated with a parcel of land, including the 
geographic location, unique parcel identifier, bound-
aries, structures contained within the parcel, zoning 
classification, and owner.’’. 
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SECTION 203. FLOOD MAPPING MODERNIZATION AND 
HOMEOWNER EMPOWERMENT PILOT PRO-
GRAM. 
(a) IN GENERAL.—The Administrator of the Federal 
Emergency Management Agency shall carry out a pilot 
program to make grants to units of local government to 
enhance the mapping of urban flooding and associated 
property damage and the availability of such mapped data 
to homeowners, businesses, and units of local government 
to enable them to minimize the risk of such flooding. 
(b) OBJECTIVES.—Amounts from grants made under 
the pilot program under this section may be used only to 
carry out activities to meet the following objectives: 
(1) To develop a methodology for assessing 
urban flood risk through the deployment of tech-
nology-based mapping tools that are easily under-
standable by the public and effectively convey infor-
mation regarding the level of flood risk. 
(2) To provide structure-specific projections of 
annual chance flood frequency. 
(3) To provide structure-based flood-risk assess-
ments. 
(4) To provide urban flood-risk mitigation pro-
gram design. 
(5) To incorporate information regarding cli-
mate trends into urban flooding risk assessments. 
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(6) To make the information described in this 
subsection publicly available on the internet through 
a web-based portal so as to increase transparency re-
garding homeowner flood risks. 
(c) ELIGIBLE RECIPIENTS.— 
(1) IN GENERAL.—Grants under the pilot pro-
gram under this section may be made only to units 
of general local government located in urbanized 
areas, as such term is used by the Bureau of the 
Census of the Department of Commerce, having 
populations exceeding 50,000 or to stormwater man-
agement authorities of such units of general local 
government. 
(2) ONE-TIME
GRANTS.—A grant under the 
pilot program under this section may not be made 
to— 
(A) any unit of general local governmental, 
or stormwater management authority of a unit 
of general government, that has previously re-
ceived a grant under the pilot program; 
(B) any unit of general local government if 
the stormwater management agency for such 
unit has previously received a grant under the 
pilot program; or 
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(C) any stormwater management agency of 
a unit of general local government if such unit 
has previously received a grant under the pilot 
program. 
(3) TREATMENT
OF
STORMWATER
MANAGE-
MENT AUTHORITIES.—In the case of a stormwater 
management authority that operates with respect to 
more than one unit of general local government, the 
application of such authority shall be considered for 
purposes of paragraph (2) of this subsection and 
subsections (e), (f), and (g)(1) to be made for the 
largest unit of general local government for which 
such authority operates. The preceding sentence 
shall not limit the ability of such authority to carry 
out activities under the demonstration project in any 
other jurisdictions or unit of local government with 
respect to which the authority operates. 
(d) APPLICATIONS.—To be eligible for a grant under 
this section a unit of general local government or 
stormwater management agency shall submit to the Ad-
ministrator an application in such form and containing 
such information as the Administrator shall require. 
(e) SELECTION OF RECIPIENTS.— 
(1) ANNUAL
SELECTION.—Subject to para-
graph (2) and to the submission of approvable appli-
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cations, in each fiscal year for which amounts are 
made available for grants under the pilot program 
under this section the Administrator shall select, 
from among applications submitted under subsection 
(d) for such fiscal year, 3 units of general govern-
ment or stormwater management authorities to re-
ceive grants under the pilot program under this sec-
tion. 
(2) AGGREGATE
LIMIT.—Subject only to the 
submission of approvable applications, the Adminis-
trator shall select, in the aggregate over the entire 
duration of the pilot program under this section, 12 
units of general government or stormwater manage-
ment authorities to receive grants under the pilot 
program, as follows: 
(A) TIER 1.—Three of the applicants se-
lected shall be units of general local govern-
ment, or stormwater management authorities 
for such units, having a population exceeding 
800,000, as follows: 
(i) PELAGIC
COASTAL
CITY.—One 
shall be a unit of general local government, 
or stormwater authority for such a unit, 
that is a pelagic unit. 
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(ii) NON-PELAGIC
COASTAL
CITY.— 
One shall be unit of general local govern-
ment, or stormwater authority for such a 
unit, that is a coastal unit, but not a pe-
lagic unit. 
(iii) NON-COASTAL
CITY.—One shall 
be unit of general local government, or 
stormwater authority for such a unit, that 
is not a coastal unit. 
(B) TIER 2.—Six of the applicants selected 
shall be units of general local government, or 
stormwater management authorities for such 
units, having a population exceeding 200,000 
but not exceeding 800,000, as follows: 
(i) COASTAL CITIES.—Three shall be 
units of general local government, or 
stormwater management authorities for 
such units, that are coastal units. 
(ii) 
NON-COASTAL
CITIES.—Three 
shall be units of general local government, 
or stormwater management authorities for 
such units, that are not coastal units. 
(C) TIER 3.—Three of the applicants se-
lected shall be units of general local govern-
ment, or stormwater management authorities 
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for such units, having a population exceeding 
50,000 but not exceeding 200,000. 
(f) PRIORITY.— 
(1) IN GENERAL.—The Administrator shall se-
lect applicants for grants under the pilot program 
under this section based on the extent to which their 
applications will achieve the objectives set forth in 
subsection (b). 
(2) TIERS 2 AND 3.—In selecting applicants to 
receive grants under the pilot program under this 
section pursuant to subparagraphs (B) and (C) of 
subsection (e)(2), the Administrator shall give pri-
ority to applicants— 
(A) that are highly vulnerable to sea level 
rise; 
(B) within which are located a military in-
stallation or other facility relating to national 
security concerns; or 
(C) that have a population that is highly 
vulnerable to urban flooding and have an un-
even capacity for flood mitigation and response 
efforts resulting from socioeconomic factors. 
(g) AMOUNT.— 
(1) CONSIDERATIONS.—In determining the 
amount of grant under the pilot program under this 
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section, the Administrator shall consider the popu-
lation of the grant recipient, which may be consid-
ered in terms of the tier under subsection (e)(2) of 
the recipient. 
(2) FEDERAL SHARE.—The amount of a grant 
under the pilot program under this section may not 
exceed 75 percent of the total cost of the activities 
under subsection (b) to be carried out using the 
grant amounts. 
(h) DURATION.—The Administrator shall require 
each recipient of a grant under the pilot program under 
this section to complete the activities under subsection (b) 
to be carried out using the grant amounts before the expi-
ration of the 18-month period beginning upon the initial 
receipt of grant amounts under the pilot program. 
(i) USE OF CENSUS DATA.—The Administrator shall 
make all determinations under the pilot program regard-
ing population using the most recent available data from 
the decennial census. 
(j) GRANTEE REPORTS TO FEMA.—Each recipient 
of a grant under the pilot program under this section 
shall, not later than the expiration of the 30-month period 
beginning upon the initial receipt of any such grant 
amounts, submit to the Administrator a report that de-
scribes— 
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(1) the activities carried out with amounts from 
the grant; 
(2) how the activities carried out with such 
grant amounts have met the objectives described in 
subsection (b); and 
(3) any lessons learned in carrying out such ac-
tivities and any recommendations for future map-
ping modernization efforts by the Federal Emer-
gency Management Agency. 
(k) BIENNIAL REPORTS BY FEMA.—Not later than 
the expiration of the 24-month period beginning on the 
date of the enactment of this Act, and not later than the 
expiration of each successive 24-month period thereafter 
until the completion of all activities carried out with 
amounts from grants under the pilot program under this 
section, the Administrator shall submit to the Congress 
and make available to the public on an internet website 
a report that— 
(1) describes— 
(A) the progress of the activities carried 
out with amounts from such grants; and 
(B) the effectiveness of technology-based 
mapping tools used in carrying out the activi-
ties described in subparagraph (A); and 
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(2) with respect to the final report that the Ad-
ministrator is required to submit under this sub-
section, includes recommendations to the Congress 
and the executive branch of the Federal Government 
for implementing strategies, practices, and tech-
nologies to mitigate the effects of urban flooding. 
(l) SENSE OF CONGRESS.—It is the sense of the Con-
gress that, because the pilot program is limited with re-
spect to scope and resources, communities that participate 
in the pilot program should acknowledge that the most 
successful efforts to mitigate the effects of urban flood-
ing— 
(1) take a structural-based mitigation approach 
with respect to construction, which includes— 
(A) recognizing any post-storm damage 
that may occur; and 
(B) pursuing designs that proactively mini-
mize future flood damage; 
(2) make individuals in the community aware, 
through any cost-effective and available means of 
education, of the best approaches regarding the con-
struction of properties that are able to survive 
floods, which reduces the cost of future repairs; and 
(3) encourage home and property owners to 
consider the measures described in paragraphs (1) 
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and (2), which are the most cost-effective and pru-
dent ways to reduce the impact of flooding, when 
constructing or renovating building components. 
(m) DEFINITIONS.—For purposes of this section, the 
following definitions shall apply: 
(1) ADMINISTRATOR.—The term ‘‘Adminis-
trator’’ means the Administrator of the Federal 
Emergency Management Agency. 
(2) COASTAL.—The term ‘‘coastal’’ means, with 
respect to a unit of general local government, that 
the unit borders a body of water that— 
(A) exceeds 2,000 square miles in size; and 
(B) is not a river. 
(3) PELAGIC.—The term ‘‘pelagic’’ means, with 
respect to a unit of general local government, that 
the unit is a coastal unit and the body of water that 
the unit borders is an ocean or other large, open 
body of water (including bays and gulfs) that 
empties into an ocean. 
(4) URBAN FLOODING.— 
(A) IN GENERAL.—The term ‘‘urban flood-
ing’’ means the inundation of property in a 
built environment, particularly in more densely 
populated areas, caused either by falling rain 
collecting on impervious surfaces or increasing 
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the levels of nearby water bodies and over-
whelming the capacity of drainage systems, 
such as storm sewers, including— 
(i) situations in which stormwater en-
ters buildings through windows, doors, or 
other openings; 
(ii) water backup through sewer pipes, 
showers, toilets, sinks, and floor drains; 
(iii) seepage through walls and floors; 
(iv) the accumulation of water on 
property or public rights-of-way; and 
(v) the overflow from water bodies, 
such as rivers, lakes, and oceans. 
(B) EXCLUSION.—Such term does not in-
clude flooding in undeveloped or agricultural 
areas. 
(n) FUNDING.—There is authorized to be appro-
priated for grants under the pilot program under this sec-
tion— 
(1) $1,200,000 for fiscal year 2020; and 
(2) $4,300,000 for fiscal year 2021, to remain 
available through 2023. 
SEC. 204. MAPPING IMPROVEMENTS AND REACH. 
(a) EXPANDING MAPPING TO ALL AREAS OF THE 
UNITED
STATES.—Subparagraph 
(A) 
of 
section 
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100216(b)(1) of the Biggert-Waters Flood Insurance Re-
form Act of 2012 (42 U.S.C. 4101b(b)(1)(A)) is amend-
ed— 
(1) in clause (v), by striking ‘‘and’’ at the end; 
(2) by redesignating clause (vi) as clause (vii); 
and 
(3) by inserting after clause (v) the following: 
‘‘(vi) all areas of the United States; 
and’’. 
(b) USE
OF
OTHER
FEDERAL
AGENCIES
AND 
LIDAR.—Section 100216 of the Biggert-Waters Flood 
Insurance Reform Act of 2012 (42 U.S.C. 4101b) is 
amended— 
(1) in subsection (b)(1)— 
(A) by redesignating subparagraphs (B) 
and (C) as subparagraphs (C) and (D), respec-
tively; and 
(B) by inserting after subparagraph (A) 
the following: 
‘‘(B) as soon as practicable— 
‘‘(i) modernize the flood mapping in-
ventory for communities for which the Na-
tional Flood Insurance Program rate maps 
have not been modernized; and 
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‘‘(ii) in coordination with commu-
nities, utilize the digital display environ-
ment 
established 
under 
subsection 
(f)(1)(A) to produce, store, and dissemi-
nate any flood hazard data, models, and 
maps generated under clause (i) while en-
suring that the flood mapping inventory 
described in that clause may be printed in 
order to carry out— 
‘‘(I) floodplain management pro-
grams under the National Flood In-
surance Act of 1968 (42 U.S.C. 4001 
et seq.); and 
‘‘(II) other purposes of the Na-
tional Flood Insurance Program;’’; 
(i) in subparagraph (C), as so redesig-
nated, by striking ‘‘and’’ at the end; 
(ii) in subparagraph (D), as so redes-
ignated, by striking the period at the end 
and inserting ‘‘, including the most current 
and most appropriate remote sensing or 
other geospatial mapping technology; and’’; 
and 
(iii) by adding at the end the fol-
lowing: 
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‘‘(E) when appropriate, partner with other 
Federal agencies, States, communities, and pri-
vate entities in order to meet the objectives of 
the program.’’; 
(2) by inserting after subsection (e) the fol-
lowing new subsection: 
‘‘(f) DIGITAL DISPLAY ENVIRONMENT AND BUILD-
ING-SPECIFIC
FLOOD
HAZARD
AND
RISK
INFORMA-
TION.— 
‘‘(1) ESTABLISHMENT.— 
‘‘(A) IN GENERAL.—Not later than 5 years 
after the date of enactment of the National 
Flood Insurance Program Reauthorization Act 
of 2019, the Administrator, in consultation with 
the Technical Mapping Advisory Council, shall 
establish, as part of a national structure inven-
tory, a dynamic, database-derived digital dis-
play environment for flood hazard and risk 
data, models, maps, and assessments. 
‘‘(B) CONSULTATION
WITH
STATES
AND 
COMMUNITIES.—In designing and constructing 
the digital display environment under subpara-
graph (A), the Administrator shall— 
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‘‘(i) leverage and partner with States 
and communities that have successfully im-
plemented the same approach; and 
‘‘(ii) consider adopting the techniques 
and technologies used by the States and 
communities described in clause (i) and ap-
plying those techniques and technologies 
nationwide. 
‘‘(2) DIGITAL DISPLAY SYSTEM.— 
‘‘(A) IN GENERAL.—In carrying out para-
graph (1), the Administrator, in consultation 
with the Technical Mapping Advisory Council, 
shall establish a national digital display system 
that shall— 
‘‘(i) be prompted through dynamic 
querying of a spatial, relational flood haz-
ard and risk database; 
‘‘(ii) as permissible under law, be 
made available to the public; 
‘‘(iii) to the extent feasible, and where 
sufficient data is available, provide infor-
mation, with respect to individual struc-
tures, regarding— 
‘‘(I) flood hazard and risk assess-
ment determinations; 
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‘‘(II) flood insurance; and 
‘‘(III) flood risk mitigation ef-
forts; 
‘‘(iv) be constructed in a manner that 
facilitates coordination with digital display 
systems that— 
‘‘(I) have been developed by 
State and community partners; and 
‘‘(II) the Administrator finds are 
acceptable; 
‘‘(v) include the capability to print 
physical copies of maps; and 
‘‘(vi) where feasible, allow for the 
maintenance and storage of elevation cer-
tificates. 
‘‘(B) PRIVACY REQUIREMENTS.—The Ad-
ministrator may not disseminate the database 
described in subparagraph (A)(i), including any 
data used to create that database, to the public 
or to a private company in a manner that vio-
lates section 552a of title 5, United States 
Code, or any regulation implementing that sec-
tion.’’; and 
(3) by inserting after subsection (k) as added 
by the preceding provisions of this Act: 
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‘‘(l) ANNUAL REPORT.—The Administrator, in co-
ordination with the Technical Mapping Advisory Council 
established under section 100215 of this Act, shall submit 
to the Committee on Financial Services of the House of 
Representatives and the Committee on Banking, Housing, 
and Urban Affairs of the Senate an annual report regard-
ing progress achieved in the mapping program under this 
section, including the digital display and structure-specific 
information required under subsection (f), which shall in-
clude recommendations to reduce the cost and improve the 
implementation of that subsection.’’. 
(c) FUTURE FLOOD RISK.—Section 100216(d) of the 
Biggert-Waters Flood Insurance Reform Act of 2012 (42 
U.S.C. 4101b) is amended by adding at the end the fol-
lowing: 
‘‘(3) FUTURE FLOOD RISK.—The Administrator 
shall, in consultation with the Technical Mapping 
Council established under section 100215, provide fi-
nancial and technical assistance to communities to 
incorporate future flood hazard conditions as an in-
formational layer on their Flood Insurance Rate 
Maps.’’. 
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SEC. 205. APPEALS REGARDING EXISTING FLOOD MAPS. 
(a) IN GENERAL.—Section 1360 of the National 
Flood Insurance Act of 1968 (42 U.S.C. 4101) is amended 
by adding at the end the following new subsection: 
‘‘(k) APPEALS OF EXISTING MAPS.— 
‘‘(1) RIGHT TO APPEAL.—Subject to paragraph 
(6), a State or local government, or the owner or les-
see of real property, who has made a formal request 
to the Administrator to update a flood map that the 
Administrator has denied may at any time appeal 
such a denial as provided in this subsection. 
‘‘(2) BASIS FOR APPEAL.—The basis for appeal 
under this subsection shall be the possession of 
knowledge or information that— 
‘‘(A) the base flood elevation level or des-
ignation of any aspect of a flood map is sci-
entifically or technically inaccurate; or 
‘‘(B) factors exist that mitigate the risk of 
flooding, including ditches, banks, walls, vegeta-
tion, levees, lakes, dams, reservoirs, basin, re-
tention ponds, and other natural or manmade 
topographical features. 
‘‘(3) APPEALS PROCESS.— 
‘‘(A) ADMINISTRATIVE
ADJUDICATION.— 
An appeal under this subsection shall be deter-
mined by a final adjudication on the record, 
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and after opportunity for an administrative 
hearing. 
‘‘(B) RIGHTS UPON ADVERSE DECISION.— 
If an appeal pursuant to subparagraph (A) does 
not result in a decision in favor of the State, 
local government, owner, or lessee, such party 
may appeal the adverse decision to the Sci-
entific Resolution Panel provided for in section 
1363A, which shall recommend a non-binding 
decision to the Administrator. 
‘‘(4) RELIEF.— 
‘‘(A) WHOLLY SUCCESSFUL APPEALS.—In 
the case of a successful appeal resulting in a 
policyholder’s property being removed from a 
special flood hazard area, such policyholder may 
cancel the policy at any time within the current 
policy year, and the Administrator shall provide 
such policyholder a refund in the amount of any 
premiums paid for such policy year, plus any 
premiums paid for flood insurance coverage 
that the policyholder was required to purchase 
or maintain during the 2-year period preceding 
such policy year. 
‘‘(B) PARTIALLY SUCCESSFUL APPEALS.— 
In the case of any appeal in which mitigating 
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factors were determined to have reduced, but 
not eliminated, the risk of flooding, the Admin-
istrator shall reduce the amount of flood insur-
ance coverage required to be maintained for the 
property concerned by the ratio of the success-
ful portion of the appeal as compared to the en-
tire appeal. The Administrator shall refund to 
the policyholder any payments made in excess 
of the amount necessary for such new coverage 
amount, effective from the time when the miti-
gating factor was created or the beginning of 
the second policy year preceding the determina-
tion of the appeal, whichever occurred later. 
‘‘(C) ADDITIONAL RELIEF.—The Adminis-
trator may provide additional refunds in excess 
of the amounts specified in subparagraphs (A) 
and (B) if the Administrator determines that 
such additional amounts are warranted. 
‘‘(5) RECOVERY OF COSTS.—When, incident to 
any appeal which is successful in whole or part re-
garding the designation of the base flood elevation 
or any aspect of the flood map, including elevation 
or designation of a special flood hazard area, the 
community, or the owner or lessee of real property, 
as the case may be, incurs expense in connection 
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with the appeal, including services provided by sur-
veyors, engineers, and scientific experts, the Admin-
istrator shall reimburse such individual or commu-
nity for reasonable expenses to an extent measured 
by the ratio of the successful portion of the appeal 
as compared to the entire appeal, but not including 
legal services, in the effecting of an appeal based on 
a scientific or technical error on the part of the Fed-
eral Emergency Management Agency. No reimburse-
ment shall be made by the Administrator in respect 
to any fee or expense payment, the payment of 
which was agreed to be contingent upon the result 
of the appeal. The Administrator may use such 
amounts from the National Flood Insurance Fund 
established under section 1310 as may be necessary 
to carry out this paragraph. 
‘‘(6) 
GUIDANCE.—The 
Administrator 
shall 
issue guidance to implement this subsection, which 
shall not be subject to the notice and comment re-
quirements under section 553 of title 5, United 
States Code.’’. 
(b) DEADLINE.—The Administrator of the Federal 
Emergency Management Agency shall issue the guidance 
referred to section 1360(k)(6) of the National Flood In-
surance Act of 1968 (42 U.S.C. 4101(k)(7)), as added by 
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the amendment made by subsection (a) of this section, not 
later than the expiration of the 6-month period beginning 
on the date of the enactment of this Act. 
SEC. 206. APPEALS AND PUBLICATION OF PROJECTED SPE-
CIAL FLOOD HAZARD AREAS. 
(a) APPEALS.—Section 1363 of the National Flood 
Insurance Act of 1968 (42 U.S.C. 4104) is amended— 
(1) in subsection (b), by striking the second 
sentence and inserting the following: ‘‘Any owner or 
lessee of real property within the community who be-
lieves the owner’s or lessee’s rights to be adversely 
affected by the Administrator’s proposed determina-
tion may appeal such determination to the local gov-
ernment no later than 90 days after the date of the 
second publication.’’; 
(2) in subsection (d), by striking ‘‘subsection 
(e)’’ and inserting ‘‘subsection (f)’’; 
(3) by redesignating subsections (e), (f), and 
(g) as subsections (f), (g), and (h), respectively; and 
(4) by inserting after subsection (d) the fol-
lowing new subsection: 
‘‘(e) DETERMINATION BY ADMINISTRATOR IN THE 
ABSENCE OF APPEALS.—If the Administrator has not re-
ceived any appeals, upon expiration of the 90-day appeal 
period established under subsection (b) of this section the 
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Administrator’s proposed determination shall become 
final. The community shall be given a reasonable time 
after the Administrator’s final determination in which to 
adopt local land use and control measures consistent with 
the Administrator’s determination.’’. 
(b) PUBLICATION.—Subsection (a) of section 1363 of 
the National Flood Insurance Act of 1968 (42 U.S.C. 
4104(a)) is amended by striking ‘‘in the Federal Reg-
ister’’. 
SEC. 207. COMMUNICATION AND OUTREACH REGARDING 
MAP CHANGES. 
Paragraph (1) of section 100216(d) of the Biggert- 
Waters Flood Insurance Reform Act of 2012 (42 U.S.C. 
4101b(d)(1)) is amended— 
(1) in subparagraph (B), by inserting ‘‘max-
imum’’ before ‘‘30-day period’’; and 
(2) in subparagraph (C), by inserting ‘‘max-
imum’’ before ‘‘30-day period’’. 
SEC. 208. ADOPTION OF PARTIAL FLOOD MAPS. 
Subsection (f) of section 1360 of the National Flood 
Insurance Act of 1968 (42 U.S.C. 4101(f)) is amended 
by adding at the end the following new flush matter: 
‘‘Panels of the revised flood insurance rate maps for which 
no appeal has been submitted during the 90-day period 
referred to in subsection (b) shall be considered final.’’. 
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SEC. 209. NEW ZONE FOR LEVEE-IMPACTED AREAS. 
Section 1360 of the National Flood Insurance Act of 
1968 (42 U.S.C. 4101), as amended by section 4 of this 
Act, is further amended by adding at the end the fol-
lowing: 
‘‘(l) LEVEE-IMPACTED AREAS.— 
‘‘(1) IN GENERAL.—Subject to full implementa-
tion of subparagraphs (A)(iii) and (B) of section 
100216(b)(1) of the Biggert-Waters Flood Insur-
ance Reform Act of 2012 (42 U.S.C. 4101b(b)(1)) 
and notwithstanding any other provision of law, if a 
community applies to the Administrator for the re-
mapping of a levee-impacted area in which the perti-
nent levee system fails to meet the minimum design, 
operation, and maintenance standards of the Na-
tional Flood Insurance Program required for levee 
accreditation on a flood insurance rate map in ac-
cordance with the Levee Analysis Mapping Proce-
dure initiated by the Administrator to replace the 
‘without levees’ approach to a Flood Insurance 
Study, the Administrator shall— 
‘‘(A) establish flood risk zones for those 
levee-impacted areas on such maps, to be 
known as ‘AL–E zones’, that have an estab-
lished elevation for community floodplain man-
agement; and 
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‘‘(B) make flood insurance available to 
properties located within those levee-impacted 
areas. 
‘‘(2) TRANSITION.—During the period begin-
ning on the date of enactment of this subsection and 
ending on the date on which the Administrator de-
velops rates for the various AL–E zones, a structure 
located in a portion of a community that is located 
within a levee-impacted area described in paragraph 
(1) shall be eligible for rates associated with areas 
of moderate flood hazards.’’. 
SEC. 210. AGRICULTURAL STRUCTURES IN SPECIAL FLOOD 
HAZARD ZONES. 
(a) REQUIREMENTS FOR STATE AND LOCAL LAND 
USE CONTROLS.—Subsection (a) of section 1315 of the 
National Flood Insurance Act of 1968 (42 U.S.C. 
4022(a)) is amended by adding at the end the following 
new paragraph: 
‘‘(3) ALLOWABLE LOCAL VARIANCES FOR CER-
TAIN AGRICULTURAL STRUCTURES.— 
‘‘(A) 
REQUIREMENT.—Notwithstanding 
any other provision of this Act— 
‘‘(i) the land use and control meas-
ures adopted pursuant to paragraph (1) 
may not, for purposes of such paragraph, 
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be considered to be inadequate or incon-
sistent with the comprehensive criteria for 
land management and use under section 
1361 because such measures provide that, 
in the case of any agricultural structure 
that is located in an area having special 
flood hazards, a variance from compliance 
with the requirements to elevate or 
floodproof such a structure and meeting 
the requirements of subparagraph (B) may 
be granted; and 
‘‘(ii) the Administrator may not sus-
pend a community from participation in 
the national flood insurance program, or 
place such a community on probation 
under such program, because such land 
use and control measures provide for such 
a variance. 
This subparagraph shall not limit the ability of 
the Administrator to take enforcement action 
against a community that does not adopt ade-
quate variance criteria or establish proper en-
forcement mechanisms. 
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‘‘(B) VARIANCE; CONSIDERATIONS.—The 
requirements of this subparagraph with respect 
to a variance are as follows: 
‘‘(i) The variance is granted by an of-
ficial from a duly constituted State or local 
zoning authority, or other authorized pub-
lic body responsible for regulating land de-
velopment or occupancy in flood-prone 
areas. 
‘‘(ii) In the case of new construction, 
such official has determined— 
‘‘(I) that neither floodproofing 
nor elevation of the new structure to 
the base flood elevation is practicable; 
and 
‘‘(II) that the structure is not lo-
cated in— 
‘‘(aa) a designated regu-
latory floodway; 
‘‘(bb) an area riverward of a 
levee or other flood control struc-
ture; or 
‘‘(cc) an area subject to high 
velocity wave action or seaward 
of flood control structures. 
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‘‘(iii) In the case of existing struc-
tures— 
‘‘(I) if such structure is substan-
tially damaged or in need of substan-
tial repairs or improvements, such of-
ficial has determined that neither 
floodproofing nor elevation to the base 
flood elevation is practicable; and 
‘‘(II) if such structure is located 
within a designated regulatory flood-
way, such official has determined that 
the repair or improvement does not 
result in any increase in base flood 
levels during the base flood discharge. 
‘‘(iv) Such official has determined 
that the variance will not result in in-
creased flood heights, additional threats to 
public safety, extraordinary public expense, 
create nuisances, cause fraud on or victim-
ization of the public, or conflict with exist-
ing local laws or ordinances. 
‘‘(v) Not more than one claim pay-
ment exceeding $1,000 has been made for 
the structure under flood insurance cov-
erage under this title within any period of 
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10 consecutive years at any time prior to 
the granting of the variance. 
‘‘(C) DEFINITIONS.—For purposes of this 
paragraph, the following definitions shall apply: 
‘‘(i) AGRICULTURAL
STRUCTURE.— 
The term ‘agricultural structure’ has the 
meaning given such term in paragraph 
(2)(D). 
‘‘(ii) 
FLOODPROOFING.—The 
term 
‘floodproofing’ means, with respect to a 
structure, any combination of structural 
and non-structural additions, changes, or 
adjustments to the structure, including at-
tendant utilities and equipment, that re-
duce or eliminate potential flood damage to 
real estate or improved real property, 
water and sanitary facilities, structures, or 
their contents.’’. 
(b) PREMIUM RATES.—Section 1308 of the National 
Flood Insurance Act of 1968 (42 U.S.C. 4015) is amended 
by adding at the end the following new subsection: 
‘‘(n) PREMIUM RATES FOR CERTAIN AGRICULTURAL 
STRUCTURES WITH VARIANCES.—Notwithstanding any 
other provision of this Act, the chargeable premium rate 
for coverage under this title for any structure provided a 
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variance pursuant to section 1315(a)(3) shall be the same 
as the rate that otherwise would apply to such structure 
if the structure had been dry floodproofed or a comparable 
actuarial rate based upon the risk associated with struc-
tures within the applicable AL–E zone established under 
section 1360(l).’’. 
SEC. 211. TECHNICAL MAPPING ADVISORY COUNCIL. 
Paragraph (1) of section 100215(b) of the Biggert- 
Waters Flood Insurance Reform Act of 2012 (42 U.S.C. 
4101a(b)(1)) is amended— 
(1) by redesignating subparagraphs (A) through 
(E) as subparagraphs (B) through (F), respectively; 
(2) by inserting before subparagraph (B), as so 
redesignated by subparagraph (A) of this paragraph, 
the following new subparagraph: 
‘‘(A) the Director of the United States Ge-
ological Survey;’’; and 
(3) in subparagraph (F), as so redesignated by 
subparagraph (A) of this paragraph— 
(A) in the matter preceding clause (i), by 
striking ‘‘16’’ and inserting ‘‘17’’; 
(B) in clause (xiii), by striking ‘‘and’’ at 
the end; 
(C) in clause (xiv), by striking the period 
at the end and inserting ‘‘; and’’; and 
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(D) by adding at the end the following new 
clause: 
‘‘(xv) a member of a recognized pro-
fessional real estate brokerage associa-
tion.’’. 
TITLE III—MITIGATION 
SEC. 301. INCREASED COST OF COMPLIANCE COVERAGE. 
Section 1304(b) of the National Flood Insurance Act 
of 1968 (42 U.S.C. 4011(b)) is amended— 
(1) in paragraph (4), by redesignating subpara-
graphs (A) through (D) as clauses (i) through (iv), 
respectively; 
(2) by redesignating paragraphs (1) through 
(3) as subparagraphs (A) through (C), respectively; 
(3) in subparagraph (C) as so redesignated, by 
striking the period at the end and inserting a semi-
colon; 
(4) by redesignating paragraph (4) as subpara-
graph (E); 
(5) by inserting after subparagraph (C), as so 
redesignated, the following: 
‘‘(D) properties identified by the Adminis-
trator as priorities for mitigation activities be-
fore the occurrence of damage to or loss of 
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property which is covered by flood insurance; 
and’’; 
(6) by inserting before ‘‘The national flood in-
surance program’’ the following: ‘‘(1) IN
GEN-
ERAL.—’’; 
(7) by striking ‘‘The Administrator’’ and insert-
ing the following: 
‘‘(2) PREMIUM.—The Administrator’’; and 
(8) by adding at the end the following new 
paragraphs: 
‘‘(3) AMOUNT OF COVERAGE.—Each policy for flood 
insurance coverage made available under this title shall 
provide coverage under this subsection having an aggre-
gate liability for any single property of $60,000. 
‘‘(4) ELIGIBLE MITIGATION ACTIVITIES.— 
‘‘(A) IN GENERAL.—Eligible mitigation meth-
ods the cost of which is covered by coverage provided 
under this subsection shall include— 
‘‘(i) alternative methods of mitigation iden-
tified in the guidelines issued pursuant to sec-
tion 1361(d); 
‘‘(ii) pre-disaster mitigation projects for el-
igible structures (as such term is defined in 
subparagraph (C)); and 
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‘‘(iii) costs associated with the purchase, 
clearing, and stabilization of property that is 
part of an acquisition or relocation program 
that complies with subparagraph (B). 
‘‘(B) ACQUISITION AND RELOCATION PROJECT 
ELIGIBILITY AND REQUIREMENTS.— 
‘‘(i) IN GENERAL.—An acquisition or relo-
cation project shall be eligible to receive assist-
ance pursuant to subparagraph (A)(iii) only 
if— 
‘‘(I) any property acquired, accepted, 
or from which a structure will be removed 
shall be dedicated and maintained in per-
petuity for a use that is compatible with 
open space, recreational, or wetlands man-
agement practices; and 
‘‘(II) any new structure erected on 
such property will be— 
‘‘(aa) a public facility that is 
open on all sides and functionally re-
lated to a designated open space; 
‘‘(bb) a restroom; or 
‘‘(cc) a structure that the Admin-
istrator approves in writing before the 
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commencement of the construction of 
the structure. 
‘‘(ii) FURTHER ASSISTANCE.—If an acqui-
sition or relocation project is assisted pursuant 
to subparagraph (A)(iii)— 
‘‘(I) no person may apply to a Federal 
entity for disaster assistance with regard 
to any property acquired, accepted, or 
from which a structure was removed as 
part of such acquisition or relocation 
project; and 
‘‘(II) no Federal entity may provide 
disaster assistance for such property. 
‘‘(iii) REQUIREMENT TO MAINTAIN FLOOD 
INSURANCE COVERAGE.— 
‘‘(I) IN
GENERAL.—Notwithstanding 
any other provision of law, any assisted 
structure (as such term is defined in sub-
clause (III)) shall, at all times, maintain 
insurance against flood damage, in accord-
ance with Federal law, for the life of such 
structure. 
‘‘(II) TRANSFER OF PROPERTY.— 
‘‘(aa) DUTY TO NOTIFY.—If any 
part of a property on which an as-
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sisted structure is located is trans-
ferred, the transferor shall, not later 
than the date on which such transfer 
occurs, notify the transferee in writ-
ing, including in all documents evi-
dencing the transfer of ownership of 
the property of the requirements, that 
such transferee is required to— 
‘‘(AA) obtain flood insur-
ance in accordance with applica-
ble Federal law with respect to 
such assisted structure, if such 
structure is not so insured on the 
date on which the structure is 
transferred; and 
‘‘(BB) maintain flood insur-
ance in accordance with applica-
ble Federal law with respect to 
such structure. 
‘‘(bb) FAILURE TO NOTIFY.—If a 
transferor fails to make a notification 
in accordance with item (aa) and such 
assisted structure is damaged by a 
flood disaster, the transferor shall pay 
the Federal Government an amount 
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equal to the amount of any disaster 
relief provided by the Federal govern-
ment with respect to such assisted 
structure. 
‘‘(III) 
ASSISTED
STRUCTURE
DE-
FINED.—For the purposes of this clause, 
the term ‘assisted structure’ means a 
structure on property that is part of an ac-
quisition or relocation project assisted pur-
suant to subparagraph (A) that was, as 
part of such acquisition or relocation 
project— 
‘‘(aa) altered; 
‘‘(bb) improved; 
‘‘(cc) replaced; 
‘‘(dd) repaired; or 
‘‘(ee) restored. 
‘‘(C) ELIGIBLE
STRUCTURE
DEFINED.—For 
purposes of this paragraph, the term ‘eligible struc-
ture’ means any structure that— 
‘‘(i) was constructed in compliance with 
the Flood Insurance Rate Map and local build-
ing and zoning codes in effect at the date of 
construction of the structure; and 
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‘‘(ii) has not previously been altered, im-
proved, replaced, or repaired using assistance 
provided under this subsection. 
‘‘(5) TREATMENT
OF
COVERAGE
LIMITS.—Any 
amount of coverage for a property provided pursuant to 
this subsection shall not be considered or counted for pur-
poses of any limitation on coverage applicable to such 
property under section 1306(b) (42 U.S.C. 4013(b)) and 
any claim on such coverage shall not be considered a claim 
for purposes of section 1307(h) or subsection (a)(3) or 
(h)(3) of section 1366. 
‘‘(6) IMPLEMENTATION.—Notwithstanding any other 
provision of law, the Administrator may implement this 
subsection by adopting one or more standard endorse-
ments to the Standard Flood Insurance Policy by publica-
tion of such standards in the Federal Register, or by com-
parable means.’’. 
SEC. 302. MULTIPLE-LOSS PROPERTIES. 
(a) FINANCIAL ASSISTANCE.—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 sub-
section: 
‘‘(e) MULTIPLE-LOSS PROPERTIES.—In making de-
terminations regarding financial assistance under the au-
thorities of this Act, the Administrator may consider the 
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extent to which a community is working to remedy prob-
lems with addressing multiple-loss properties. 
‘‘(1) DEFINITIONS.—For purposes of this sub-
section, the following definitions shall apply: 
‘‘(A) 
MULTIPLE-LOSS
PROPERTY.—The 
term ‘multiple-loss property’ means any prop-
erty that is a repetitive-loss property, a severe 
repetitive-loss property, or an extreme repet-
itive-loss property. 
‘‘(B) REPETITIVE-LOSS
PROPERTY.—The 
term ‘repetitive-loss property’ means a struc-
ture that has incurred flood-related damage for 
which 2 or more separate claims payments of 
any amount have been made under flood insur-
ance coverage under this title. 
‘‘(C) SEVERE
REPETITIVE-LOSS
PROP-
ERTY.—The term ‘severe repetitive-loss prop-
erty’ means a structure that has incurred flood- 
related damage described in subparagraph (B) 
of section 1307(h)(1). 
‘‘(D) EXTREME
REPETITIVE-LOSS
PROP-
ERTY.—The term ‘extreme repetitive-loss prop-
erty’ means a structure that has incurred flood- 
related damage for which at least 2 separate 
claims have been made under flood insurance 
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coverage under this title, with the cumulative 
amount of such claims payments exceeding 150 
percent of the maximum coverage amount avail-
able for the structure.’’. 
(b) DEFINITIONS.—Subsection (a) of section 1370 of 
the National Flood Insurance Act of 1968 (42 U.S.C. 
4121) is amended— 
(1) by redesignating paragraphs (8) through 
(15) as paragraphs (11) through (18), respectively; 
and 
(2) by striking paragraph (7) and inserting the 
following new paragraphs: 
‘‘(7) MULTIPLE-LOSS
PROPERTY.—The term 
‘multiple-loss property’ means any property that is a 
repetitive-loss property, a severe repetitive-loss prop-
erty, or an extreme repetitive-loss property. 
‘‘(8) REPETITIVE-LOSS PROPERTY.—The term 
‘repetitive-loss property’ means a structure that has 
incurred flood-related damage for which 2 or more 
separate claims payments of any amount have been 
made under flood insurance coverage under this 
title. 
‘‘(9) SEVERE
REPETITIVE-LOSS
PROPERTY.— 
The term ‘severe repetitive-loss property’ means a 
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structure that has incurred flood-related damage de-
scribed in subparagraph (B) of section 1307(h)(1). 
‘‘(10) 
EXTREME
REPETITIVE-LOSS
PROP-
ERTY.—The term ‘extreme repetitive-loss property’ 
means a structure that has incurred flood-related 
damage for which at least 2 separate claims have 
been made under flood insurance coverage under 
this title, with the cumulative amount of such claims 
payments exceeding 150 percent of the maximum 
coverage amount available for the structure.’’. 
(c) CONFORMING
AMENDMENTS.—The National 
Flood Insurance Act of 1968 is amended— 
(1) 
in 
section 
1304(b)(1) 
(42 
U.S.C. 
4011(b)(1)), by striking ‘‘repetitive loss structures’’ 
and inserting ‘‘repetitive-loss properties’’; 
(2) in section 1307 (42 U.S.C. 4014)— 
(A) in subsection (a)(2)(B), by striking 
‘‘repetitive loss property’’ and inserting ‘‘repet-
itive-loss property’’; 
(B) in subsection (g)(2)(B), by striking 
‘‘repetitive loss property’’ each place such term 
appears and inserting ‘‘repetitive-loss prop-
erty’’; and 
(C) by striking subsection (h); 
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(3) in section 1315(a)(2)(A)(i) (42 U.S.C. 
4022(a)(2)(A)(i)), by striking ‘‘repetitive loss struc-
ture’’ and inserting ‘‘repetitive-loss property’’; and 
(4) in section 1366 (42 U.S.C. 4104c)— 
(A) in subsection (a)(2), by striking ‘‘re-
petitive loss structures’’ and inserting ‘‘repet-
itive-loss properties’’; 
(B) in subsection (c)(2)(A)(ii), by striking 
‘‘repetitive loss structures’’ and inserting ‘‘re-
petitive-loss properties’’; 
(C) in subsection (d)— 
(i) in paragraph (1)— 
(I) in the paragraph heading, by 
striking ‘‘REPETITIVE
LOSS
STRUC-
TURES’’ and inserting ‘‘REPETITIVE- 
LOSS PROPERTIES’’; and 
(II) in the matter preceding sub-
paragraph (A), by striking ‘‘repetitive 
loss structures’’ and inserting ‘‘repet-
itive-loss properties’’; and 
(ii) in paragraph (2)— 
(I) in the paragraph heading, by 
striking ‘‘REPETITIVE
LOSS
STRUC-
TURES’’ and inserting ‘‘REPETITIVE- 
LOSS PROPERTIES’’; and 
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(II) by striking ‘‘repetitive loss 
structures’’ and inserting ‘‘repetitive- 
loss properties’’; and 
(D) in subsection (h), by striking para-
graphs (2) and (3). 
SEC. 303. PREMIUM RATES FOR CERTAIN MITIGATED PROP-
ERTIES. 
(a) MITIGATION STRATEGIES.—Paragraph (1) of sec-
tion 1361(d) of the National Flood Insurance Act of 1968 
(42 U.S.C. 4102(d)(1)) is amended— 
(1) in subparagraph (A), by striking ‘‘and’’ at 
the end; 
(2) in subparagraph (B), by striking ‘‘and’’ at 
the end; and 
(3) by inserting after subparagraph (B) the fol-
lowing new subparagraphs: 
‘‘(C) with respect to buildings in dense 
urban environments, methods that can be de-
ployed on a block or neighborhood scale; and 
‘‘(D) elevation of mechanical or other crit-
ical systems; and’’. 
(b) MITIGATION CREDIT.—Subsection (k) of section 
1308 of the National Flood Insurance Act of 1968 (42 
U.S.C. 4015(k)) is amended— 
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(1) by striking ‘‘shall take into account’’ and 
inserting the following: ‘‘shall— 
‘‘(1) take into account’’; 
(2) in paragraph (1), as so designated by the 
amendment made by paragraph (1) of this sub-
section, by striking the period at the end and insert-
ing ‘‘; and’’; and 
(3) by adding at the end the following new 
paragraph: 
‘‘(2) offer a reduction of the risk premium rate 
charged to a policyholder, as determined by the Ad-
ministrator, if the policyholder implements any miti-
gation method described in paragraph (1).’’. 
SEC. 304. COVERAGE FOR COOPERATIVES. 
(a) EQUAL TREATMENT WITH CONDOMINIUMS.— 
Section 1306 of the National Flood Insurance Act of 1968 
(42 U.S.C. 4013) is amended by adding at the end the 
following: 
‘‘(e) COOPERATIVE
BUILDINGS.—Notwithstanding 
any other provision of law, the Administrator shall make 
flood insurance coverage available to any individual with 
a membership interest and occupancy agreement in a co-
operative housing project on the same terms as any owner 
of a condominium.’’. 
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(b) PAYMENT OF CLAIMS.—Section 1312 of the Na-
tional Flood Insurance Act of 1968 (42 U.S.C. 4019) is 
amended— 
(1) in subsection (c)— 
(A) by striking ‘‘flood insurance to condo-
minium owners’’ and inserting the following: 
‘‘flood insurance— 
‘‘(1) to condominium owners’’; 
(B) by striking the period at the end and 
inserting ‘‘; or’’; 
(C) by adding at the end the following: 
‘‘(2) to individuals with a membership interest 
and occupancy agreement in a cooperative housing 
project who purchased such flood insurance separate 
and apart from the flood insurance purchased by the 
cooperative association in which such individual is a 
member, based solely, or in any part, on the flood 
insurance coverage of the cooperative association or 
others on the overall property owned by the coopera-
tive association.’’; and 
(2) by adding at the end the following: 
‘‘(d) DEFINITIONS.—For purposes of this section and 
section 1306(e), the terms ‘cooperative association’ and 
‘cooperative housing project’ shall have such meaning as 
the Secretary shall provide.’’. 
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SEC. 305. VOLUNTARY COMMUNITY-BASED FLOOD INSUR-
ANCE PILOT PROGRAM. 
(a) ESTABLISHMENT.—The Administrator of the 
Federal Emergency Management Agency (in this section 
referred to as the ‘‘Administrator’’) shall carry out a com-
munity-based flood insurance pilot program to make avail-
able, for purchase by participating communities, a single, 
community-wide flood insurance policy under the National 
Flood Insurance Program that— 
(1) covers all residential and non-residential 
properties within the community; and 
(2) satisfies, for all such properties within the 
community, the mandatory purchase requirements 
under section 102 of the Flood Disaster Protection 
Act of 1973 (42 U.S.C. 4012a). 
(b) PARTICIPATION.—Participation by a community 
in the pilot program under this section shall be at the sole 
discretion of the community. 
(c) REQUIREMENTS
FOR COMMUNITY-WIDE POLI-
CIES.—The Administrator shall ensure that a community- 
wide flood insurance policy made available under the pilot 
program under this section incorporates the following re-
quirements: 
(1) A mapping requirement for properties cov-
ered by the policy. 
(2) A deductible. 
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(3) Certification or accreditation of mitigation 
infrastructure when available and appropriate. 
(4) A community audit. 
(5) A method of preventing redundant claims 
payments by the National Flood Insurance Program 
in the case of a claim by an individual property 
owner who is covered by a community-wide flood in-
surance policy and an individual policy obtained 
through the Program. 
(6) Coverage for damage arising from flooding 
that complies with the standards under the National 
Flood Insurance Program appropriate to the nature 
and type of property covered. 
(d) TIMING.—The Administrator may establish the 
demonstration program under this section not later than 
the expiration of the 180-day period beginning on the date 
of the enactment of this Act and the program shall termi-
nate on September 30, 2022. 
(e) DEFINITION OF COMMUNITY.—For purposes of 
this section, the term ‘‘community’’means any unit of local 
government, within the meaning given such term under 
the laws of the applicable State. 
SEC. 306. MITIGATION FUNDING. 
For each of the first 5 fiscal years beginning after 
following the date of the enactment of this Act, there is 
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authorized to be appropriated $200,000,000 to carry out 
the flood mitigation assistance grant program under sec-
tion 1366 of the National Flood Insurance Act of 1968 
(42 U.S.C. 4104c). 
SEC. 307. COMMUNITY RATING SYSTEM IMPROVEMENTS. 
(a) PROVISION
OF COMMUNITY RATING SYSTEM 
PREMIUM CREDITS TO MAXIMUM NUMBER OF COMMU-
NITIES PRACTICABLE.—Subsection (b) of section 1315 of 
the National Flood Insurance Act of 1968 (42 U.S.C. 
4022(b)) is amended— 
(1) in paragraph (2), by striking ‘‘may’’ and in-
serting ‘‘shall’’; and 
(2) in paragraph (3), by inserting ‘‘, and the 
Administrator shall provide credits to the maximum 
number of communities practicable’’ after ‘‘under 
this program’’. 
(b) GRANTS FOR COMMUNITY RATING SYSTEM PRO-
GRAM COORDINATORS.—Section 1315 of the National 
Flood Insurance Act of 1968 (42 U.S.C. 4022) is amended 
by adding at the end the following new subsection: 
‘‘(c) GRANTS FOR COMMUNITY RATING SYSTEM PRO-
GRAM COORDINATORS.— 
‘‘(1) AUTHORITY.—The Administrator shall 
carry out a program to make grants to consortia of 
States and communities for use only for costs of em-
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ploying or otherwise retaining an individual or indi-
viduals to coordinate and carry out responsibilities 
relating to participation in the community rating 
system program under subsection (b) for States and 
communities that are members of such consortia. 
‘‘(2) ELIGIBILITY.—The Administrator shall es-
tablish such criteria as the Administrator considers 
appropriate for a consortium of States and commu-
nities to be eligible for grants under this subsection, 
which shall include requiring a consortium to provide 
evidence to the Administrator that the consortium 
has sufficient authority and administrative capability 
to use grant amounts in accordance with this sub-
section on behalf of its member jurisdictions. 
‘‘(3) TIMING.—A consortium receiving a grant 
under this section shall establish the position or po-
sitions described in paragraph (1), and employ or 
otherwise retain an individual or individuals to fill 
such position or positions, not later than the date 
that all such grant amounts are expended. 
‘‘(4) APPLICATIONS.—The Administrator shall 
provide for consortia of States and communities to 
submit applications for grants under this subsection, 
which shall include— 
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‘‘(A) the evidence referred to in paragraph 
(2); 
‘‘(B) such assurances as the Administrator 
shall require to ensure compliance with the re-
quirement under paragraph (3); 
‘‘(C) such assurances as the Administrator 
shall require to ensure that the consortia will 
provide funding sufficient to continue the posi-
tion or positions funded with the grant 
amounts, in the same annual amount as under 
such grant funding, after such grant funds are 
expended; and 
‘‘(D) such other information as the Admin-
istrator may require. 
‘‘(5) SELECTION.—From among eligible con-
sortia of States and communities submitting applica-
tions pursuant to paragraph (3), the Administrator 
shall select consortia to receive grants under this 
subsection in accordance with such competitive cri-
teria for such section as the Administrator shall es-
tablish. 
‘‘(6) DEFINITION
OF
COMMUNITY.—For pur-
poses of this section, the term ‘community’ has the 
meaning given such term in section 1366(h) (42 
U.S.C. 4104c(h)), except that such term includes 
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100 
counties and regional planning authorities that do 
not have zoning and building code jurisdiction. 
‘‘(7) AUTHORIZATION
OF
APPROPRIATIONS.— 
There is authorized to be appropriated for grants 
under this subsection— 
‘‘(A) $7,000,000 for the first fiscal year 
commencing after the expiration of the 4-month 
period beginning on the date of the enactment 
of this Act; and 
‘‘(B) $7,000,000 for each of the four con-
secutive fiscal years thereafter.’’. 
SEC. 308. COMMUNITY ASSISTANCE PROGRAM FOR EFFEC-
TIVE FLOODPLAIN MANAGEMENT. 
(a) IN GENERAL.—Chapter I of the National Flood 
Insurance Act of 1968 (42 U.S.C. 4011 et seq.) is amend-
ed by adding at the end the following: 
‘‘SEC. 1326. COMMUNITY ASSISTANCE PROGRAM FOR EF-
FECTIVE FLOODPLAIN MANAGEMENT. 
‘‘(a) IN GENERAL.—The Administrator shall estab-
lish a community assistance program under this section 
to increase the capacity and capability of States, Indian 
tribes, and communities to effectively manage flood risk 
and participate in the national flood insurance program, 
including the community rating system program under 
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101 
section 1315(b), by providing financial and technical as-
sistance to States, tribes and communities. 
‘‘(b) COMPONENTS.—The community assistance pro-
gram under this program shall include— 
‘‘(1) making community assistance grants 
under subsection (c) to States; 
‘‘(2) conducting periodic assessments, not less 
often than once every 5 years, of the technical as-
sistance and training needs of States, Indian tribes, 
and communities; 
‘‘(3) providing technical assistance and training 
to States, Indian tribes, and communities in accord-
ance with the needs identified by such assessments; 
‘‘(4) conducting periodic reviews of State, In-
dian tribe, and community floodplain management 
standards by the Administrator to promote contin-
uous improvement in building and maintaining effec-
tive State floodplain management programs (as such 
term is defined in subsection (d)); 
‘‘(5) conducting periodic estimates of the losses 
avoided nationally due to the adoption of qualifying 
floodplain management standards by States, Indian 
tribes and communities; 
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102 
‘‘(6) in coordination with each State receiving a 
grant under subsection (c), developing and executing 
a strategy to— 
‘‘(A) provide technical and financial assist-
ance to communities, including small and rural 
communities, and Indian tribes within the 
State; and 
‘‘(B) encourage greater participation in the 
community rating system program; and 
‘‘(7) establishing goals for States participating 
in the program and incentives for exceeding such 
goals. 
‘‘(c) 
COMMUNITY
ASSISTANCE
GRANTS
TO 
STATES.— 
‘‘(1) IN GENERAL.—Under the program under 
this section the Administrator may award grants to 
States, which shall be used only— 
‘‘(A) to increase the capacity and capa-
bility of the State and communities and Indian 
tribes in the State to effectively manage flood 
risk and to fully participate in the national 
flood insurance program, including the commu-
nity rating system program; and 
‘‘(B) for activities related to implementa-
tion, administration, oversight, and enforcement 
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103 
of the national flood insurance program at the 
State and local and tribal levels. 
‘‘(2) GUIDELINES.—The Administrator shall es-
tablish guidelines governing the use of grant funds 
under this subsection, including setting forth activi-
ties eligible to be funded with such amounts. 
‘‘(3) ELIGIBILITY.—To be eligible to receive a 
grant under this subsection, a State shall— 
‘‘(A) demonstrate, to the satisfaction of 
the Administrator, that the State has in effect 
qualifying State floodplain management stand-
ards for the State; 
‘‘(B) agree to submit such reports, certifi-
cations, and information to the Administrator 
as the Administrator shall require, including 
those required under paragraph (5); and 
‘‘(C) meet any additional eligibility require-
ments as the Administrator may require. 
‘‘(4) APPLICATION; SELECTION CRITERIA.—The 
Administrator shall provide for States to submit ap-
plications for grants under this subsection, which 
shall include such information, assurances, and cer-
tifications as the Administrator may require, and 
may establish criteria for selection of qualifying ap-
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104 
plications to be selected for grants under this sub-
section. 
‘‘(5) ONGOING REVIEW OF FLOODPLAIN MAN-
AGEMENT STANDARDS.—Each State that is awarded 
funds under this section shall provide periodic re-
ports, certifications, and information regarding the 
floodplain management standards of such State as 
the Administrator may require for the duration of 
the use of grant amounts. 
‘‘(d) DEFINITIONS.—For purposes of this section: 
‘‘(1) INDIAN TRIBE.—The term ‘Indian tribe’ 
has the meaning given such term in section 4 of the 
Native American Housing Assistance and Self-De-
termination Act of 1996 (25 U.S.C. 4103). 
‘‘(2) QUALIFYING STATE FLOODPLAIN MANAGE-
MENT
STANDARDS.—The term ‘qualifying State 
floodplain management standards’ means the flood-
plain management standards of a State that— 
‘‘(A) are specifically authorized under 
State law and do not conflict with or inhibit the 
implementation of the National Flood Insur-
ance Act of 1968; 
‘‘(B) designate an entity responsible for co-
ordinating the national flood insurance program 
in the State; 
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105 
‘‘(C) identify State resources and programs 
to manage floodplains and reduce flood risk; 
‘‘(D) address on a long-term basis— 
‘‘(i) integration of floodplain manage-
ment activities with other State functions 
and activities; 
‘‘(ii) identification of flood hazards; 
‘‘(iii) management of natural flood-
plain functions and resources; 
‘‘(iv) elimination of adverse impacts of 
development on the floodplain; 
‘‘(v) flood mitigation and recovery 
strategies for the State; 
‘‘(vi) strategies for informing commu-
nities and citizens about flood risk and 
mitigation options; and 
‘‘(vii) measures for evaluating the ef-
fectiveness of State floodplain management 
efforts; 
‘‘(E) include a long-term plan that will fa-
cilitate the prioritization and provision of train-
ing and technical assistance to communities and 
Indian tribes in the State to increase local and 
tribal capacity and capability for floodplain 
management, including the capacity and capa-
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106 
bility to participate in the national flood insur-
ance program and the community rating system 
program; 
‘‘(F) provide for oversight, administration 
and enforcement of the national flood insurance 
program at the State and community levels; 
and 
‘‘(G) meet such other requirements as the 
Administrator may establish. 
‘‘(e) FUNDING.— 
‘‘(1) AUTHORIZATION
OF
APPROPRIATIONS.— 
There is authorized to be appropriated $20,000,000 
for each of fiscal years 2019 through 2024 for the 
National Flood Insurance Fund for carrying out this 
section. Any amounts appropriated pursuant to this 
subsection shall remain available until expended. 
‘‘(2) SET-ASIDES.—From any amounts made 
available for grants under this section, the Adminis-
trator may reserve such amount as the Adminis-
trator considers appropriate— 
‘‘(A) for community assistance grants 
under subsection (c) to States; and 
‘‘(B) for additional assistance only for 
States exceeding the goals established pursuant 
to subsection (b)(8).’’. 
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107 
(b) USE OF NATIONAL FLOOD INSURANCE FUND 
AMOUNTS.—Subsection (a) of section 1310 of the Na-
tional Flood Insurance Act of 1968 (42 U.S.C. 4017(a)) 
is amended— 
(1) in paragraph (7), by striking ‘‘and’’ at the 
end; 
(2) in paragraph (8), by striking the period at 
the end and inserting ‘‘; and’’; and 
(3) by adding at the end the following: 
‘‘(9) for carrying out the community assistance 
program for effective floodplain management under 
section 1326.’’. 
TITLE IV—MODERNIZATION 
SECTION 401. EFFECT OF PRIVATE FLOOD INSURANCE 
COVERAGE ON CONTINUOUS COVERAGE RE-
QUIREMENTS. 
Section 1308 of the National Flood Insurance Act of 
1968 (42 U.S.C. 4015) is amended by adding at the end 
the following: 
‘‘(n) EFFECT OF PRIVATE FLOOD INSURANCE COV-
ERAGE ON CONTINUOUS COVERAGE REQUIREMENTS.— 
For purposes of applying any statutory, regulatory, or ad-
ministrative continuous coverage requirement, including 
under section 1307(g)(1), the Administrator shall consider 
any period during which a property was continuously cov-
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108 
ered by a flood insurance policy, either offered through 
the national flood insurance program or private market, 
that was used to satisfy the requirements under section 
102(a) of the Flood Disaster Protection Act of 1973 (42 
U.S.C. 4012a(a)) to be a period of continuous coverage.’’. 
SEC. 402. OPTIONAL COVERAGE FOR UMBRELLA POLICIES. 
Subsection (b) of section 1306 of the National Flood 
Insurance Act of 1968 (42 U.S.C. 4013(b)), is amended— 
(1) in paragraph (4), by striking ‘‘and’’ at the 
end; 
(2) in paragraph (5), by striking the period at 
the end and inserting ‘‘; and’’; and 
(3) by adding at the end the following new 
paragraph: 
‘‘(5) the Administrator may provide that, in the 
case of any commercial property or other residential 
property, including multifamily rental property and 
agricultural property, one umbrella policy be made 
available to every insured upon renewal and every 
applicant with multiple structures on the same prop-
erty, except that— 
‘‘(A) purchase of such coverage shall be at 
the option of the insured; and 
‘‘(B) any such coverage shall be made 
available only at chargeable rates that are not 
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