I 
111TH CONGRESS 
2D SESSION 
H. R. 6254 
To amend the National Flood Insurance Act of 1968 to provide for certain 
exceptions to the mandatory 30-day waiting period before new or modi-
fied flood insurance coverage takes effect. 
IN THE HOUSE OF REPRESENTATIVES 
SEPTEMBER 29, 2010 
Mrs. KIRKPATRICK of Arizona introduced the following bill; which was 
referred to the Committee on Financial Services 
A BILL 
To amend the National Flood Insurance Act of 1968 to 
provide for certain exceptions to the mandatory 30-day 
waiting period before new or modified flood insurance 
coverage takes effect. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
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SECTION 1. EXCEPTIONS TO THE MANDATORY 30-DAY 
WAITING PERIOD FOR NEW FLOOD INSUR-
ANCE COVERAGE TO TAKE EFFECT UNDER 
THE 
NATIONAL 
FLOOD 
INSURANCE 
PRO-
GRAM. 
(a) WAIVER BY THE SECRETARY OF HOMELAND SE-
CURITY.—Section 1306(c)(2) of the National Flood Insur-
ance Act of 1968 (42 U.S.C. 4013(c)(2)) is amended— 
(1) in subparagraph (A), by striking ‘‘; or’’ and 
inserting ‘‘;’’; 
(2) in subparagraph (B), by striking the period 
and inserting ‘‘; or’’; and 
(3) by adding at the end the following new 
paragraph: 
‘‘(C) the purchase of flood insurance cov-
erage for which the Secretary of Homeland Se-
curity waives the 30-day waiting period referred 
to in paragraph (1) due to an occurrence that 
the Secretary determines has caused the area 
covered by such flood insurance to be more sus-
ceptible to flooding than before such occurrence, 
which waiver the Secretary may apply retro-
actively.’’. 
(b) RETROACTIVE WAIVER
FOR CERTAIN PROP-
ERTIES IN AREAS NEWLY SUSCEPTIBLE TO FLOODING.— 
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(1) WAIVER.—Notwithstanding section 1306(c) 
of the National Flood Insurance Act of 1968 (42 
U.S.C. 4013(c)), the Administrator of the Federal 
Emergency Management Agency shall ensure that 
flood insurance coverage of a covered property under 
a covered contract takes effect beginning on the date 
that all obligations for such coverage (including com-
pletion of the application and payment of any initial 
premiums owed) were satisfactorily completed. 
(2) DEFINITIONS.—In this subsection: 
(A) COVERED CONTRACT.—The term ‘‘cov-
ered contract’’ means a new contract for flood 
insurance coverage under the National Flood 
Insurance Act of 1968 (42 U.S.C. 4001 et seq.) 
entered into on or before July 20, 2010, or any 
modification to coverage under an existing flood 
insurance contract under such Act made on or 
before that date. 
(B) COVERED PROPERTY.—The term ‘‘cov-
ered property’’ means a property that is located 
in an area that, due to a wildfire that began on 
June 20, 2010, became more susceptible to 
flooding than before the occurrence of such 
wildfire. 
Æ 
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