IIB 
112TH CONGRESS 
2D SESSION 
H. R. 6186 
IN THE SENATE OF THE UNITED STATES 
SEPTEMBER 11, 2012 
Received; read twice and referred to the Committee on Banking, Housing, and 
Urban Affairs 
AN ACT 
To require a study of voluntary community-based flood insur-
ance options and how such options could be incorporated 
into 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, 
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SECTION 1. STUDIES OF VOLUNTARY COMMUNITY-BASED 
FLOOD INSURANCE OPTIONS. 
(a) STUDY.— 
(1) STUDY REQUIRED.—The Administrator of 
the Federal Emergency Management Agency shall 
conduct a study to assess options, methods, and 
strategies for making available voluntary commu-
nity-based flood insurance policies through the Na-
tional Flood Insurance Program. 
(2) CONSIDERATIONS.—The study conducted 
under paragraph (1) shall— 
(A) take into consideration and analyze 
how voluntary community-based flood insurance 
policies— 
(i) would affect communities having 
varying economic bases, geographic loca-
tions, flood hazard characteristics or classi-
fications, 
and 
flood 
management 
ap-
proaches; and 
(ii) could satisfy the applicable re-
quirements under section 102 of the Flood 
Disaster Protection Act of 1973 (42 
U.S.C. 4012a); and 
(B) evaluate the advisability of making 
available voluntary community-based flood in-
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surance policies to communities, subdivisions of 
communities, and areas of residual risk. 
(3) CONSULTATION.—In conducting the study 
required under paragraph (1), the Administrator 
may consult with the Comptroller General of the 
United States, as the Administrator determines is 
appropriate. 
(b) REPORT BY THE ADMINISTRATOR.— 
(1) REPORT
REQUIRED.—Not later than 18 
months after the date of enactment of this Act, the 
Administrator shall submit to the Committee on 
Banking, Housing, and Urban Affairs of the Senate 
and the Committee on Financial Services of the 
House of Representatives a report that contains the 
results and conclusions of the study conducted under 
subsection (a). 
(2) CONTENTS.—The report submitted under 
paragraph (1) shall include recommendations for— 
(A) the best manner to incorporate vol-
untary community-based flood insurance poli-
cies into the National Flood Insurance Pro-
gram; and 
(B) a strategy to implement voluntary 
community-based flood insurance policies that 
would encourage communities to undertake 
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flood mitigation activities, including the con-
struction, reconstruction, or improvement of 
levees, dams, or other flood control structures. 
(c) REPORT BY COMPTROLLER GENERAL.—Not later 
than 6 months after the date on which the Administrator 
submits the report required under subsection (b), the 
Comptroller General of the United States shall— 
(1) review the report submitted by the Adminis-
trator; and 
(2) submit to the Committee on Banking, 
Housing, and Urban Affairs of the Senate and the 
Committee on Financial Services of the House of 
Representatives a report that contains— 
(A) an analysis of the report submitted by 
the Administrator; 
(B) any comments or recommendations of 
the Comptroller General relating to the report 
submitted by the Administrator; and 
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(C) any other recommendations of the 
Comptroller General relating to community- 
based flood insurance policies. 
Passed the House of Representatives September 10, 
2012. 
Attest: 
KAREN L. HAAS, 
Clerk. 
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