IIB 
111TH CONGRESS 
2D SESSION 
H. R. 5114 
IN THE SENATE OF THE UNITED STATES 
JULY 19, 2010 
Received; read twice and referred to the Committee on Banking, Housing, and 
Urban Affairs 
AN ACT 
To extend the authorization for the national flood insurance 
program, to identify priorities essential to reform and 
ongoing stable functioning of the 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, 
VerDate Mar 15 2010 
21:49 Jul 19, 2010
Jkt 089200
PO 00000
Frm 00001
Fmt 6652
Sfmt 6201
E:\BILLS\H5114.RFS
H5114
srobinson on DSKHWCL6B1PROD with BILLS
HR 5114 RFS 
SECTION 1. SHORT TITLE AND TABLE OF CONTENTS. 
(a) SHORT TITLE.—This Act may be cited as the 
‘‘Flood Insurance Reform Priorities Act of 2010’’. 
(b) TABLE OF CONTENTS.—The table of contents for 
this Act is as follows: 
Sec. 1. Short title and table of contents. 
Sec. 2. Findings and purposes. 
Sec. 3. Extension of national flood insurance program. 
Sec. 4. Maximum coverage limits. 
Sec. 5. Phase-in of actuarial rates for certain pre-firm properties, severe repet-
itive loss properties, and properties substantially damaged or 
substantially improved. 
Sec. 6. 5-year delay in effective date of mandatory purchase requirement for 
new flood hazard areas. 
Sec. 7. 5-year phase-in of flood insurance rates for newly mapped areas. 
Sec. 8. Increase in annual limitation on premium increases. 
Sec. 9. Consideration of construction, reconstruction, and improvement of flood 
protection systems in determination of flood insurance rates. 
Sec. 10. Discounted flood insurance rates for properties protected by a flood- 
protection system from less than a 100-year frequency flood. 
Sec. 11. Treatment of certain flood protection projects. 
Sec. 12. Prohibition of extension of subsidized rates to lapsed policies. 
Sec. 13. Notification to homeowners regarding mandatory purchase require-
ment applicability and rate phase-ins. 
Sec. 14. Community outreach plan for updating floodplain areas and flood-risk 
zones. 
Sec. 15. Notification of establishment of flood elevations. 
Sec. 16. Coverage for additional living expenses and business interruption. 
Sec. 17. Exception to waiting period for effective date of policies. 
Sec. 18. Minimum deductibles for claims. 
Sec. 19. Payment of premiums in installments for residential properties. 
Sec. 20. Termination of force-placed insurance. 
Sec. 21. Enforcement. 
Sec. 22. Notification to tenants of availability of contents insurance. 
Sec. 23. Grants for direct funding of mitigation activities for individual repet-
itive claims properties. 
Sec. 24. Flood insurance outreach. 
Sec. 25. Treatment of swimming pool enclosures outside of hurricane season. 
Sec. 26. Requirements relating to windstorm and flood. 
Sec. 27. Notice of availability of flood insurance and escrow in RESPA good 
faith estimate. 
Sec. 28. Authorization of additional FEMA staff. 
Sec. 29. Plan to verify maintenance of flood insurance on Mississippi and Lou-
isiana properties receiving emergency supplemental funds. 
Sec. 30. Flood insurance advocate. 
Sec. 31. Treatment of previously mapped areas. 
Sec. 32. Remapping of areas with improved levees. 
Sec. 33. Appeals. 
VerDate Mar 15 2010 
21:49 Jul 19, 2010
Jkt 089200
PO 00000
Frm 00002
Fmt 6652
Sfmt 6211
E:\BILLS\H5114.RFS
H5114
srobinson on DSKHWCL6B1PROD with BILLS