manner delay the completion or publication of the 
program rate maps for the 100-year floodplain. 
‘‘(6) EDUCATION PROGRAM.—The Director shall, 
after each update to a flood insurance program rate 
map, in consultation with the chief executive officer 
of each community affected by the update, conduct a 
program to educate each such community about the 
update to the flood insurance program rate map and 
the effects of the update. 
‘‘(7) ANNUAL REPORT.—Not later than June 30 
of each year, the Director shall submit a report to the 
Congress describing, for the preceding 12-month pe-
riod, the activities of the Director under the program 
under this section and the reviews and updates of 
flood insurance program rate maps conducted under 
the program. Each such annual report shall contain 
the most recent report of the Technical Mapping Ad-
visory Council pursuant to section 576(c)(3) of the 
National Flood Insurance Reform Act of 1994 (42 
U.S.C. 4101 note). 
‘‘(8) AUTHORIZATION
OF
APPROPRIATIONS.— 
There is authorized to be appropriated to the Director 
to carry out this subsection $400,000,000 for each of 
fiscal years 2008 through 2013.’’. 
VerDate Aug 31 2005 
00:07 Sep 25, 2007
Jkt 059200
PO 00000
Frm 00047
Fmt 6652
Sfmt 6203
E:\BILLS\H3121.RH
H3121
hmoore on PRODPC68 with HMBILLS
(b) REESTABLISHMENT OF TECHNICAL MAPPING AD-
VISORY COUNCIL FOR ONGOING MAPPING PROGRAM.— 
(1) REESTABLISHMENT.—There is reestablished 
the Technical Mapping Advisory Council, in accord-
ance with this subsection and section 576 of the Na-
tional Flood Insurance Reform Act of 1994 (42 
U.S.C. 4101 note). 
(2) MEMBERSHIP.—Paragraph (1) of section 
576(b) of the National Flood Insurance Reform Act of 
1994 (42 U.S.C. 4101 note) is amended— 
(A) in the matter preceding subparagraph 
(A), by striking ‘‘10’’ and inserting ‘‘14’’; 
(B) by redesignating subparagraphs (E), 
(F), (G), (H), (I), and (J) as subparagraphs (F), 
(G), (H), (K), (N), and (O), respectively; 
(C) by inserting after subparagraph (D) the 
following new subparagraph: 
‘‘(E) a representative of the Corps of Engi-
neers of the United States Army;’’; 
(D) by inserting after subparagraph (H) 
(as so redesignated by subparagraph (B) of this 
paragraph) the following new subparagraphs: 
‘‘(I) a representative of local or regional 
flood and stormwater agencies; 
VerDate Aug 31 2005 
00:07 Sep 25, 2007
Jkt 059200
PO 00000
Frm 00048
Fmt 6652
Sfmt 6203
E:\BILLS\H3121.RH
H3121
hmoore on PRODPC68 with HMBILLS
‘‘(J) a representative of State geographic in-
formation coordinators;’’; and 
(E) by inserting after subparagraph (K) (as 
so redesignated by subparagraph (B) of this 
paragraph) the following new subparagraphs: 
‘‘(L) a representative of flood insurance 
servicing companies; 
‘‘(M) a real estate professional;’’. 
(3) TERMS OF MEMBERS AND APPOINTMENT.— 
Section 576(b) of the National Flood Insurance Re-
form Act of 1994 (42 U.S.C. 4101 note) is amended 
by adding at the end the following new paragraph: 
‘‘(3) TERMS OF MEMBERS.— 
‘‘(A) IN
GENERAL.—Each member of the 
Council pursuant to any of subparagraphs (B) 
through (N) of paragraph (1) shall be appointed 
for a term of 5 years, except as provided in sub-
paragraphs (B) and (C). 
‘‘(B) TERMS OF INITIAL APPOINTEES.—As 
designated by the Director (or the designee of the 
Director) at the time of appointment, of the 
members of the Council first appointed pursuant 
to subparagraph (D)— 
‘‘(i) 4 shall be appointed for a term of 
1 year; 
VerDate Aug 31 2005 
00:07 Sep 25, 2007
Jkt 059200
PO 00000
Frm 00049
Fmt 6652
Sfmt 6203
E:\BILLS\H3121.RH
H3121
hmoore on PRODPC68 with HMBILLS
‘‘(ii) 4 shall be appointed for a term of 
3 years; and 
‘‘(iii) 5 shall be appointed for a term 
of 5 years. 
‘‘(C) VACANCIES.—Any member of the 
Council appointed to fill a vacancy occurring be-
fore the expiration of the term for which the 
member’s predecessor was appointed shall be ap-
pointed only for the remainder of that term. A 
member may serve after the expiration of that 
member’s term until a successor has taken office. 
A vacancy in the Council shall be filled in the 
manner in which the original appointment was 
made. 
‘‘(D) INITIAL APPOINTMENT.—The Director, 
or the Director’s designee, shall take action as 
soon as possible after the date of the enactment 
of the Flood Insurance Reform and Moderniza-
tion Act of 2007 to appoint the members of the 
Council pursuant to this subsection.’’. 
(4) DUTIES.—Subsection (c) of section 576 of the 
National Flood Insurance Reform Act of 1994 (42 
U.S.C. 4101 note) is amended to read as follows: 
‘‘(c) DUTIES.—The Council shall— 
VerDate Aug 31 2005 
00:07 Sep 25, 2007
Jkt 059200
PO 00000
Frm 00050
Fmt 6652
Sfmt 6203
E:\BILLS\H3121.RH
H3121
hmoore on PRODPC68 with HMBILLS
‘‘(1) make recommendations to the Director for 
improvements to the flood map modernization pro-
gram under section 1360(k) of the National Flood In-
surance Act of 1968 (42 U.S.C. 41010(k)); 
‘‘(2) make recommendations to the Director for 
maintaining a modernized inventory of flood hazard 
maps and information; and 
‘‘(3) submit an annual report to the Director 
that contains a description of the activities and rec-
ommendations of the Council.’’. 
(5) ELIMINATION OF TERMINATION.—Section 576 
of the National Flood Insurance Reform Act of 1994 
(42 U.S.C. 4101 note) is amended by striking sub-
section (k) and inserting the following new subsection: 
‘‘(k) CONTINUED EXISTENCE.—Section 14(a)(2)(B) of 
the Federal Advisory Committee Act (5 U.S.C. App.; relat-
ing to termination of advisory committees) shall not apply 
to the Council.’’. 
(c) POST-DISASTER FLOOD ELEVATION DETERMINA-
TIONS.—Section 1360 of the National Flood Insurance Act 
of 1968 (42 U.S.C. 4101), as amended by the preceding pro-
visions of this Act, is further amended by adding at the 
end the following new subsection: 
‘‘(l) INTERIM POST-DISASTER FLOOD ELEVATIONS.— 
VerDate Aug 31 2005 
00:07 Sep 25, 2007
Jkt 059200
PO 00000
Frm 00051
Fmt 6652
Sfmt 6203
E:\BILLS\H3121.RH
H3121
hmoore on PRODPC68 with HMBILLS
‘‘(1) AUTHORITY.—Notwithstanding any other 
provision of this section or section 1363, the Director 
may, after any flood-related disaster, establish by 
order interim flood elevation requirements for pur-
poses of the national flood insurance program for any 
areas affected by such flood-related disaster. 
‘‘(2) EFFECTIVENESS.—Such interim elevation 
requirements for such an area shall take effect imme-
diately upon issuance and may remain in effect until 
the Director establishes new flood elevations for such 
area in accordance with section 1363 or the Director 
provides otherwise.’’. 
(d) UPDATING UPON REQUEST
OF COMMUNITY.— 
Paragraph (2) of section 1360(f) of the National Flood In-
surance Act of 1968 (42 U.S.C. 4101(f)(2)) is amended by 
inserting before the period at the end the following: ‘‘, except 
that such a revision or update shall be made at no cost 
to the unit of government making the request if the request 
is being made to reflect repairs and upgrades to dams, lev-
ees, or other flood control projects under the jurisdiction and 
responsibility of the Federal Government’’. 
VerDate Aug 31 2005 
00:07 Sep 25, 2007
Jkt 059200
PO 00000
Frm 00052
Fmt 6652
Sfmt 6203
E:\BILLS\H3121.RH
H3121
hmoore on PRODPC68 with HMBILLS
SEC. 23. NOTIFICATION AND APPEAL OF MAP CHANGES; NO-
TIFICATION OF ESTABLISHMENT OF FLOOD 
ELEVATIONS. 
Section 1363 of the National Flood Insurance Act of 
1968 (42 U.S.C. 4104) is amended by striking the section 
designation and all that follows through the end of sub-
section (a) and inserting the following: 
‘‘SEC. 1363. (a) In establishing projected flood ele-
vations for land use purposes with respect to any commu-
nity pursuant to section 1361, the Director shall first pro-
pose such determinations— 
‘‘(1) by providing the chief executive officer of 
each community affected by the proposed elevations, 
by certified mail, with a return receipt requested, no-
tice of the elevations, including a copy of the maps 
for the elevations for such community and a state-
ment explaining the process under this section to ap-
peal for changes in such elevations; 
‘‘(2) by causing notice of such elevations to be 
published in the Federal Register, which notice shall 
include information sufficient to identify the elevation 
determinations and the communities affected, infor-
mation explaining how to obtain copies of the ele-
vations, and a statement explaining the process under 
this section to appeal for changes in the elevations; 
and 
VerDate Aug 31 2005 
00:07 Sep 25, 2007
Jkt 059200
PO 00000
Frm 00053
Fmt 6652
Sfmt 6203
E:\BILLS\H3121.RH
H3121
hmoore on PRODPC68 with HMBILLS
‘‘(3) by publishing in a prominent local news-
paper the elevations, a description of the appeals 
process for flood determinations, and the mailing ad-
dress and telephone number of a person the owner 
may contact for more information or to initiate an 
appeal.’’. 
SEC. 24. CLARIFICATION OF REPLACEMENT COST PROVI-
SIONS, FORMS, AND POLICY LANGUAGE. 
Not later than the expiration of the 3-month period 
beginning on the date of the enactment of this Act, the Di-
rector of the Federal Emergency Management Agency 
shall— 
(1) in plain language using easy to understand 
terms and concepts, issue regulations, and revise any 
materials made available by such Agency, to clarify 
the applicability of replacement cost coverage under 
the national flood insurance program; 
(2) in plain language using easy to understand 
terms and concepts, revise any regulations, forms, no-
tices, guidance, and publications relating to the full 
cost of repair or replacement under the replacement 
cost coverage to more clearly describe such coverage to 
flood insurance policyholders and information to be 
provided by such policyholders relating to such cov-
VerDate Aug 31 2005 
00:07 Sep 25, 2007
Jkt 059200
PO 00000
Frm 00054
Fmt 6652
Sfmt 6203
E:\BILLS\H3121.RH
H3121
hmoore on PRODPC68 with HMBILLS
erage, and to avoid providing misleading information 
to such policyholders; 
(3) revise the language in standard flood insur-
ance policies under such program regarding rating 
and coverage descriptions in a manner that is con-
sistent with language used widely in other home-
owners and property and casualty insurance policies, 
including such language regarding classification of 
buildings, basements, crawl spaces, detached garages, 
enclosures below elevated buildings, and replacement 
costs; and 
(4) require the use, in connection with flood in-
surance policies, of the supplemental forms developed 
pursuant to section 202 of the Bunning-Bereuter- 
Blumenauer Flood Insurance Reform Act of 2004 
(Public Law 108–264; 118 Stat. 725). 
SEC. 25. AUTHORIZATION OF ADDITIONAL FEMA STAFF. 
Notwithstanding any other provision of law, the Direc-
tor of the Federal Emergency Management Agency may em-
ploy such additional staff as may be necessary to carry out 
all of the responsibilities of the Director pursuant to this 
Act and the amendments made by this Act. There are au-
thorized to be appropriated to Director such sums as may 
be necessary for costs of employing such additional staff. 
VerDate Aug 31 2005 
00:07 Sep 25, 2007
Jkt 059200
PO 00000
Frm 00055
Fmt 6652
Sfmt 6203
E:\BILLS\H3121.RH
H3121
hmoore on PRODPC68 with HMBILLS
SEC. 26. EXTENSION OF DEADLINE FOR FILING PROOF OF 
LOSS. 
(a) IN GENERAL.—Section 1312 of the National Flood 
Insurance Act of 1968 (42 U.S.C. 4019) is amended— 
(1) by inserting ‘‘(a) PAYMENT.—’’ before ‘‘The 
Director’’; and 
(2) by adding at the end the following new sub-
section: 
‘‘(b) FILING DEADLINE FOR PROOF OF LOSS.— 
‘‘(1) IN GENERAL.—In establishing any require-
ments regarding notification, proof, or approval of 
claims for damage to or loss of property which is cov-
ered by flood insurance made available under this 
title, the Director may not require an insured to no-
tify the Director of such damage or loss, submit a 
claim for such damage or loss, or certify to or submit 
proof of such damage or loss, before the expiration of 
the 180-day period that begins on the date that such 
damage or loss occurred. 
‘‘(2) EXCEPTIONS.—Notwithstanding any dead-
line established in accordance with paragraph (1), the 
Director may not deny a claim for damage or loss de-
scribed in such paragraph solely for failure to meet 
such deadline if the insured demonstrates any good 
cause for such failure.’’. 
VerDate Aug 31 2005 
00:07 Sep 25, 2007
Jkt 059200
PO 00000
Frm 00056
Fmt 6652
Sfmt 6203
E:\BILLS\H3121.RH
H3121
hmoore on PRODPC68 with HMBILLS
(b) APPLICABILITY.—Subsection (b) of section 1312 of 
the National Flood Insurance Act of 1968, as added by sub-
section (a)(2) of this section, shall apply with respect to 
any claim under which the damage to or loss of property 
occurred on or after the date of the enactment of this Act. 
SEC. 27. 5-YEAR EXTENSION OF PROGRAM. 
Section 1319 of the National Flood Insurance Act of 
1968 (42 U.S.C. 4026) is amended by striking ‘‘September 
30, 2008’’ and inserting ‘‘September 30, 2013’’. 
SEC. 28. REPORT ON INCLUSION OF BUILDING CODES IN 
FLOODPLAIN MANAGEMENT CRITERIA. 
Not later than the expiration of the 6-month period 
beginning on the date of the enactment of this Act, the Di-
rector of the Federal Emergency Management Agency shall 
conduct a study and submit a report to the Committee on 
Financial Services of the House of Representatives and the 
Committee on Banking, Housing and Urban Affairs of the 
Senate regarding the impact, effectiveness, and feasibility 
of amending section 1361 of the National Flood Insurance 
Act of 1968 (42 U.S.C. 4102) to include widely used and 
nationally recognized building codes as part of the flood-
plain management criteria developed under such section, 
and shall determine— 
(1) the regulatory, financial, and economic im-
pacts of such a building code requirement on home-
VerDate Aug 31 2005 
00:07 Sep 25, 2007
Jkt 059200
PO 00000
Frm 00057
Fmt 6652
Sfmt 6203
E:\BILLS\H3121.RH
H3121
hmoore on PRODPC68 with HMBILLS