I 
117TH CONGRESS 
2D SESSION 
H. R. 7202 
To establish a means-tested assistance program for national flood insurance 
program policyholders, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
MARCH 24, 2022 
Mr. CARTWRIGHT introduced the following bill; which was referred to the 
Committee on Financial Services 
A BILL 
To establish a means-tested assistance program for national 
flood insurance program policyholders, and for other pur-
poses. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘National Flood Insur-
ance Program Affordability Act’’. 
SEC. 2. MEANS-TESTED ASSISTANCE FOR NATIONAL FLOOD 
INSURANCE PROGRAM POLICYHOLDERS. 
(a) IN GENERAL.—The Administrator of the Federal 
Emergency Management Agency shall, not later than 1 
year after the date of the enactment of this Act, establish 
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a means-tested program under which the Administrator 
provides assistance to eligible policyholders in the form of 
graduated discounts for insurance costs with respect to 
covered properties. 
(b) DISCOUNTS.—The Administrator shall use 
amounts provided under this section to establish grad-
uated discounts available to eligible policyholders under 
this section, with respect to covered properties, such that 
the chargeable premium rate for an eligible policyholder 
that applies for assistance under this section may not ex-
ceed 1 percent of the area median income for the area 
in which the property to which the policy applies is lo-
cated. 
(c) APPLICATION.—To receive assistance under this 
Act, an eligible policyholder shall submit an application 
to the Administrator at such time, in such manner, and 
containing such information as the Administrator may 
reasonably require and assistance will no longer be avail-
able when the amounts appropriated pursuant to sub-
section (f) have been expended for a fiscal year. 
(d) RULEMAKING AND GUIDANCE.—Not later than 1 
year after the date of the enactment of this Act, the Ad-
ministrator shall issue such regulations and guidance as 
the Administrator determines necessary to carry out this 
Act, including a hardship metric for small businesses and 
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not-for-profit entities to qualify for assistance under this 
Act. 
(e) REPORT.—Not later than 1 year after the date 
of the enactment of this section, the Administrator shall 
submit to the Congress, a report that— 
(1) addresses the feasibility of making eligibility 
for assistance under the program established under 
this Act based on a consideration of an eligible pol-
icyholder’s principal, interest, taxes, and insurance 
instead of household income as a percent of area 
medium income; and 
(2) outlines how the Administrator could use in-
come eligibility for other Federal programs to deter-
mine eligibility for participation in the program es-
tablished under this Act. 
(f) APPROPRIATION.— 
(1) IN GENERAL.—There is appropriated, annu-
ally, to the Administrator, out of any money in the 
Treasury not otherwise appropriated, $250,000,000, 
to carry out the program established by the Admin-
istrator under subsection (a). 
(2) EXPENDITURE
REQUIREMENT.—The Ad-
ministrator shall, each fiscal year, expend not less 
than 95 percent of the amount appropriated for such 
fiscal year under paragraph (1). 
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SEC. 3. MONTHLY INSTALLMENT PAYMENT FOR PREMIUMS. 
Not later than 180 days after the date of enactment 
of this Act, the Administrator shall— 
(1) implement the requirement for monthly in-
stallment payments of premiums provided under sec-
tion 1308(g) of the National Flood Insurance Act of 
1968 (42 U.S.C. 4015(g)); or 
(2) submit to Congress an explanation of the 
reasons why the Administrator cannot implement 
the requirement described in paragraph (1) during 
that 180-day period. 
SEC. 4. DEFINITIONS. 
In this Act: 
(1) ADMINISTRATOR.—The term ‘‘Adminis-
trator’’ means the Administrator of the Federal 
Emergency Management Agency. 
(2) COVERED PROPERTY.—The term ‘‘covered 
property’’ means— 
(A) a primary residential dwelling de-
signed; or 
(B) personal property relating to a dwell-
ing described in subparagraph (A). 
(3) ELIGIBLE POLICYHOLDER.—The term ‘‘eli-
gible policyholder’’ means— 
(A) a person who— 
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(i) is a national flood insurance pro-
gram policyholder on or after the date of 
the enactment of this Act; and 
(ii) has a household income that is not 
more than 120 percent of the area median 
income for the area in which the property 
to which the policy applies is located; 
(B) a business with not more than 100 
employees that— 
(i) is a national flood insurance pro-
gram policyholder on or after the date of 
the enactment of this Act; and 
(ii) satisfies the hardship metric pub-
lished by the Administrator under section 
2; or 
(C) a not-for-profit organization that— 
(i) is a national flood insurance pro-
gram policyholder on or after the date of 
the enactment of this Act; and 
(ii) satisfies the hardship metric pub-
lished by the Administrator under section 
2. 
(4) INSURANCE COSTS.—The term ‘‘insurance 
costs’’ means, with respect to a covered property for 
a year— 
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