(i) in paragraph (1)(A)(i), by striking 
‘‘insurance rate’’ and inserting ‘‘risk’’; and 
(ii) in paragraph (2), by striking ‘‘Na-
tional Flood Insurance Program rate’’ and 
inserting ‘‘flood risk’’; and 
(D) in subsection (l)(2), by striking ‘‘insur-
ance rate’’ and inserting ‘‘risk’’; 
(2) in section 100216 (42 U.S.C. 4101b)— 
(A) in subsection (a), by striking ‘‘Na-
tional Flood Insurance Program rate’’ and in-
serting ‘‘flood risk’’; 
(B) in subsection (b)— 
(i) in paragraph (1), by striking ‘‘Na-
tional Flood Insurance Program rate’’ each 
place such term appears in subparagraphs 
(A) and (C) and inserting ‘‘flood risk’’; 
and 
(ii) in paragraph (2)(B), by striking 
‘‘National Flood Insurance Program’’; 
(C) in subsection (d)— 
(i) in paragraph (1)— 
(I) in subparagraph (A), by strik-
ing ‘‘effects—’’ and all that follows 
and inserting ‘‘effects of any potential 
changes to flood risk maps that may 
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result from the mapping program re-
quired under this section.’’; and 
(II) in subparagraph (B), by 
striking ‘‘(with regard to contents in-
surance)’’; and 
(ii) in paragraph (2)— 
(I) in subparagraph (A), by strik-
ing ‘‘covered by the mandatory flood 
insurance 
purchase 
requirements 
under section 102 of the Flood Dis-
aster Protection Act of 1973 (42 
U.S.C. 4012a)’’ and inserting ‘‘having 
special flood hazards’’; 
(II) in subparagraph (B), by 
striking ‘‘subject to the flood insur-
ance mandatory purchase require-
ment’’ and inserting ‘‘areas having 
special flood hazards’’; and 
(III) in subparagraph (C), by 
striking ‘‘, including’’ and all that fol-
lows through ‘‘(42 U.S.C. 4011 et 
seq.)’’; and 
(D) in subsection (e)— 
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srobinson on DSK4SPTVN1PROD with BILLS
(i) by striking ‘‘National Flood Insur-
ance Program rate’’ and inserting ‘‘flood 
risk’’; 
(ii) by striking ‘‘insurance rates’’ and 
inserting ‘‘risk designations’’; and 
(iii) by striking ‘‘its rate maps’’ and 
inserting ‘‘its risk maps’’; and 
(3) by striking— 
(A) section 100224 (42 U.S.C. 4081 note; 
relating to oversight and expense reimburse-
ments of insurance companies); 
(B) section 100226 (42 U.S.C. 4101 note; 
relating to flood protection structure accredita-
tion task force); 
(C) section 100227 (42 U.S.C. 4011 note; 
relating to flood in progress determinations); 
(D) section 100229 (126 Stat. 945; relat-
ing to local data requirement); 
(E) section 100230 (42 U.S.C. 4014 note; 
relating to eligibility for insurance); 
(F) section 100231 (126 Stat. 949; relat-
ing to studies and reports); 
(G) subsections (a), (b), (c), and (e) of sec-
tion 100232 (126 Stat. 953; relating to reinsur-
ance); 
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(H) section 100233 (126 Stat. 955; relat-
ing to GAO study on business interruption and 
additional living expenses coverages); 
(I) section 100234 (42 U.S.C. 4013a; re-
lating to policy disclosures); 
(J) section 100236 (126 Stat. 957; relat-
ing to study of participation and affordability 
for certain policyholders); 
(K) section 100237 (126 Stat. 957; relat-
ing to study and report concerning Indian tribe 
and member participation in flood insurance 
program); 
(L) section 100240 (126 Stat. 961; relat-
ing to levees constructed on certain properties); 
(M) section 100247 (126 Stat. 967; relat-
ing to FIO study on risks, hazards, and insur-
ance); and 
(N) section 100248 (126 Stat. 968; relat-
ing to flood protection improvements con-
structed on certain properties). 
(d) BUNNING-BEREUTER-BLUMENAUER FLOOD IN-
SURANCE REFORM ACT OF 2004.—The Bunning-Bereu-
ter-Blumenauer Flood Insurance Reform Act of 2004 is 
amended by striking title II (118 Stat. 725). 
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(e) NATIONAL FLOOD INSURANCE REFORM ACT OF 
1994.—The National Flood Insurance Reform Act of 
1994 is amended by striking sections 561 (42 U.S.C. 4011 
note), 562 (42 U.S.C. 4102 note), 578 (42 U.S.C. 4014 
note), 579(b), and 582 (42 U.S.C. 5154a). 
(f) FEDERAL FLOOD INSURANCE ACT OF 1956.— 
Section 15 of the Federal Flood Insurance Act of 1956 
(42 U.S.C. 2414) is amended by striking subsection (e). 
(g) REAL ESTATE PROCEDURES ACT OF 1974.— 
Paragraph 14 of section 5(b) of the Real Estate Settle-
ment Procedures Act of 1974 (12 U.S.C. 2604(b)(14)) is 
amended by striking ‘‘under the National Flood Insurance 
Program or’’. 
(h) HOUSING AND COMMUNITY DEVELOPMENT ACT 
OF 1974.—Paragraph (28) of section 105(a) of the Hous-
ing and Community Development Act of 1974 (42 U.S.C. 
5305(a)(28)) is amended— 
(1) in the matter preceding subparagraph (A)— 
(A) by striking ‘‘participate in the national 
flood insurance program’’ and inserting ‘‘ have 
areas designated’’; 
(B) by inserting ‘‘as having special flood 
hazards’’ after the first comma; and 
(C) by striking ‘‘under such Act’’; and 
(2) in subparagraph (A)— 
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(A) in clause (i), by striking ‘‘participate 
in the national flood insurance program’’ and 
inserting ‘‘have areas designated as having spe-
cial flood hazards’’; 
(B) in clause (ii), by striking ‘‘and the ef-
fect of such inclusion’’ and all that follow 
through ‘‘to such property’’; 
(C) in clause (iii), by striking ‘‘the flood 
insurance mandatory purchase requirement’’ 
and inserting ‘‘special flood hazards’’; 
(D) in clause (iv), by striking ‘‘, including, 
where applicable, lower-cost preferred risk poli-
cies under this title for such properties and the 
contents of such properties’’; 
(E) in clause (vi) by striking ‘‘, including 
a telephone number’’ and all that follows 
through ‘‘is available’’; and 
(F) in clause (vii)— 
(i) by striking ‘‘participating in the 
national flood insurance program regard-
ing the program and’’ and inserting ‘‘hav-
ing areas designated as having special 
flood hazards regarding’’; and 
(ii) by striking ‘‘coverage under the 
National Flood Insurance Act of 1968’’ 
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and inserting ‘‘private flood insurance cov-
erage’’. 
(i) EFFECTIVE DATE.—The amendments made by 
this section shall take effect at the end of December 31, 
2015. 
SEC. 4. INTERSTATE COMPACTS FOR FLOOD INSURANCE 
COVERAGE. 
(a) CONGRESSIONAL CONSENT.—The consent of the 
Congress is hereby given to any two or more States to 
enter into agreement or compacts, not in conflict with any 
law of the United States, for making available to inter-
ested persons insurance coverage against loss resulting 
from physical damage to or loss of real property or per-
sonal property related thereto arising from any flood oc-
curring in the United States. 
(b) RIGHTS RESERVED.—The right to alter, amend, 
or repeal this section, or consent granted by this section, 
is expressly reserved to the Congress. 
Æ 
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