ert T. Stafford Disaster Relief and Emergency 
Assistance Act received by any owner of the 
property; and 
‘‘(3) is delivered by or on behalf of the seller or 
lessor to the purchaser or lessee before such purchaser 
or lessee becomes obligated under any contract for 
purchase or lease of the property.’’. 
(b) AVAILABILITY OF FLOOD INSURANCE COVERAGE.— 
Subsection (c) of section 1305 of the National Flood Insur-
ance Act of 1968 (42 U.S.C. 4012(c)) is amended— 
(1) in paragraph (1), by striking ‘‘and’’ at the 
end; 
(2) in paragraph (2), by striking the period at 
the end and inserting ‘‘; and’’; and 
(3) by adding at the end the following new para-
graph: 
‘‘(3) given satisfactory assurance that by Sep-
tember 31, 2022, property flood hazard disclosure re-
quirements will have been adopted for the area that 
meet the requirements of section 1326.’’. 
SEC. 109. VOLUNTARY COMMUNITY-BASED FLOOD INSUR-
ANCE PILOT PROGRAM. 
(a) ESTABLISHMENT.—The Administrator of the Fed-
eral Emergency Management Agency (in this section re-
ferred to as the ‘‘Administrator’’) may carry out a commu-
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nity-based flood insurance pilot program to make available, 
for purchase by participating communities, a single, com-
munity-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 entirely 
voluntary on the part 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 cap on premiums. 
(3) A deductible. 
(4) Certification or accreditation of mitigation 
infrastructure when available and appropriate. 
(5) A community audit. 
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(6) The Community Rating System under sec-
tion 1315(b) of the National Flood Insurance Act of 
1968 (42 U.S.C. 4022(b)). 
(7) 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. 
(8) 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 gov-
ernment, within the meaning given such term under the 
laws of the applicable State. 
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SEC. 110. EXTENSION OF NATIONAL FLOOD INSURANCE 
PROGRAM. 
(a) FINANCING.—Section 1309(a) of the National 
Flood Insurance Act of 1968 (42 U.S.C. 4016(a)) is amend-
ed by striking ‘‘September 30, 2017’’ and inserting ‘‘Sep-
tember 30, 2022’’. 
(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, 2017’’ and inserting 
‘‘September 30, 2022’’. 
TITLE 
II—INCREASING 
CON-
SUMER 
CHOICE 
THROUGH 
PRIVATE MARKET DEVELOP-
MENT 
SEC. 201. ELIMINATION OF NON-COMPETE REQUIREMENT. 
Section 1345 of the National Flood Insurance Act of 
1968 (42 U.S.C. 4081) is amended by adding at the end 
the following new subsection: 
‘‘(f) AUTHORITY TO PROVIDE OTHER FLOOD COV-
ERAGE.— 
‘‘(1) IN GENERAL.—The Administrator may not, 
as a condition of participating in the Write Your 
Own Program (as such term is defined in section 
1370(a)) or in otherwise participating in the utiliza-
tion by the Administrator of the facilities and services 
of insurance companies, insurers, insurance agents 
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and brokers, and insurance adjustment organizations 
pursuant to the authority in this section, nor as a 
condition of eligibility to engage in any other activi-
ties under the National Flood Insurance Program 
under this title, restrict any such company, insurer, 
agent, broker, or organization from offering and sell-
ing private flood insurance (as such term is defined 
in section 102(b)(9) of the Flood Disaster Protection 
Act of 1973 (42 U.S.C. 4012a(b)(9))). 
‘‘(2) FINANCIAL ASSISTANCE/SUBSIDY ARRANGE-
MENT.—After the date of the enactment of this sub-
section— 
‘‘(A) the Administrator may not include in 
any agreement entered into with any insurer for 
participation in the Write Your Own Program 
any provision establishing a condition prohibited 
by paragraph (1), including the provisions of 
Article XIII of the Federal Emergency Manage-
ment Agency, Federal Insurance Administration, 
Financial Assistance/Subsidy Arrangement, as 
adopted pursuant to section 62.23(a) of title 44 
of the Code of Federal Regulations; and 
‘‘(B) any such provision in any such agree-
ment entered into before such date of enactment 
shall not have any force or effect, and the Ad-
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