working to remedy problems with addressing re-
peatedly flooded areas. 
‘‘(4) SANCTIONS.— 
‘‘(A) IN
GENERAL.—The Administrator 
shall, by regulations issued in accordance with 
the procedures established under section 553 of 
title 5, United States Code, regarding sub-
stantive rules, provide appropriate sanctions for 
covered communities that fail to comply with 
the requirements under this subsection or to 
make sufficient progress in reducing the flood 
risks to areas in the community that are repeat-
edly damaged by floods. 
‘‘(B) NOTICE.—Before imposing any sanc-
tion pursuant to this paragraph, the Adminis-
trator shall provide the covered community in-
volved with notice of the non-compliance that 
could result in the imposition of sanctions, 
which shall include recommendations for actions 
to bring the covered community into compli-
ance. 
‘‘(C) CONSIDERATIONS.—In determining 
appropriate sanctions to impose under this 
paragraph, the Administrator shall consider the 
resources available to the covered community
involved, including Federal funding, the portion 
of the covered community that lies within an 
area having special flood hazards, and other 
factors that make it difficult for the covered 
community to conduct mitigation activities for 
existing flood-prone structures. 
‘‘(5) COVERED COMMUNITY.—For purposes of 
this subsection, the term ‘covered community’ means 
a community— 
‘‘(A) that is participating, pursuant to sec-
tion 1315, in the national flood insurance pro-
gram; and 
‘‘(B) within which are located— 
‘‘(i) 50 or more repetitive loss struc-
tures for each of which, during any 10- 
year period, two or more claims for pay-
ments under flood insurance coverage have 
been made with a cumulative amount ex-
ceeding $1,000; 
‘‘(ii) 5 or more severe repetitive loss 
structures (as such term is defined in sec-
tion 1366(h)) for which mitigation activi-
ties meeting the standards for approval 
under section 1366(c)(2)(A) have not been 
conducted; or
‘‘(iii) a public facility or a private 
nonprofit facility (as such terms are as de-
fined in section 102 of the Robert T. Staf-
ford Disaster Relief and Emergency Assist-
ance Act (42 U.S.C. 5122)), that has re-
ceived assistance for repair, restoration, re-
construction, or replacement under section 
406 of the Robert T. Stafford Disaster Re-
lief and Emergency Assistance Act (42 
U.S.C. 5172) in connection with more than 
one flooding event in the most recent 10- 
year period. 
‘‘(6) REPETITIVE-LOSS STRUCTURE.—For pur-
poses of this subsection, the term ‘repetitive loss 
structure’ has the meaning given such term in sec-
tion 1370 (42 U.S.C. 4121). 
‘‘(7) REPORTS TO CONGRESS.—Not later than 
the expiration of the 6-year period beginning upon 
the date of the enactment of this subsection, and not 
less than every 2 years thereafter, the Administrator 
shall submit a report to the Congress regarding the 
progress in implementing plans developed pursuant 
to paragraph (1)(B).’’. 
(b) REGULATIONS.—The Administrator of the Fed-
eral Emergency Management Agency shall issue regula-
tions necessary to carry out subsection (e) of section 1361 
of the National Flood Insurance Act of 1968, as added 
by the amendment made by subsection (a) of this section, 
not later than the expiration of the 12-month period that 
begins on the date of the enactment of this Act. 
SEC. 403. INCREASED COST OF COMPLIANCE COVERAGE. 
(a) COVERAGE OF PROPERTIES AT HIGH RISK OF 
FUTURE FLOOD DAMAGE.—Subsection (b) of section 
1304 of the National Flood Insurance Act of 1968 (42 
U.S.C. 4011(b)) is amended— 
(1) in paragraph (4), by redesignating subpara-
graphs (A) through (D) as clauses (i) through (iv), 
respectively, and realigning such clauses, as so re-
designated, so as to be indented 6 ems from the left 
margin; 
(2) by redesignating paragraphs (1) through 
(4) as subparagraphs (A) through (D), respectively, 
and realigning such subparagraphs, as so redesig-
nated, so as to be indented 4 ems from the left mar-
gin; 
(3) by striking the subsection designation and 
all that follows through ‘‘The national’’ and insert-
ing the following: 
‘‘(b) ADDITIONAL
COVERAGE
FOR
COMPLIANCE 
WITH LAND USE AND CONTROL MEASURES.—
‘‘(1) AUTHORITY; ELIGIBLE PROPERTIES.—The 
national’’; 
(4) in subparagraph (C) (as so redesignated by 
paragraph (2) of this subsection), by striking 
‘‘Fund’’ and all that follows and inserting ‘‘Fund to 
require the implementation of such measures;’’; 
(5) in subparagraph (D)(iv) (as so redesignated 
by paragraphs (1) and (2) of this subsection), by 
striking the period at the end and inserting a semi-
colon; and 
(6) by adding at the end the following new sub-
paragraphs: 
‘‘(E) properties that have been identified 
by the Administrator, or by a community in ac-
cordance with such requirements as the Admin-
istrator shall establish, as at a high risk of fu-
ture flood damage; and 
‘‘(F) properties that are located within an 
area 
identified 
pursuant 
to 
section 
1361(e)(1)(A) (42 U.S.C. 4102(e)(1)(A)) by a 
covered community (as such term is defined in 
paragraph (3) of such section 1361(e)).’’. 
(b) COVERAGE AMOUNT.—Section 1304(b) of the 
National Flood Insurance Act of 1968 (42 U.S.C. 
4011(b)) is amended—
(1) in paragraph (1) (as so designated by sub-
section (a)(3) of this section), by striking the last 
sentence (relating to a surcharge); and 
(2) by adding at the end the following new 
paragraph: 
‘‘(2) COVERAGE AMOUNT.— 
‘‘(A) PRIMARY
COVERAGE.—Each policy 
for flood insurance coverage made available 
under this title shall provide coverage under 
this subsection having an aggregate liability for 
any single property of $30,000. 
‘‘(B) ENHANCED COVERAGE.—The Admin-
istrator shall make additional coverage available 
under this subsection, in excess of the limit 
specified in subparagraph (A), having an aggre-
gate liability for any single property of up to 
$60,000.’’. 
(c) AMOUNT OF SURCHARGE.—Subsection (b) of sec-
tion 1304 of the National Flood Insurance Act of 1968 
(42 U.S.C. 4011(b)), as amended by the preceding provi-
sions of this section, is further amended by adding at the 
end the following new paragraph: 
‘‘(3) SURCHARGE FOR COVERAGE.— 
‘‘(A) PRIMARY COVERAGE.—The Adminis-
trator shall impose a surcharge on each insured
of such amount per policy as the Administrator 
determines is appropriate to provide cost of 
compliance coverage in accordance with para-
graph (2)(A). 
‘‘(B) ENHANCED
COVERAGE.—For each 
flood policy for flood insurance coverage under 
this title under which additional cost of compli-
ance coverage is provided pursuant to para-
graph (2)(B), the Administrator shall impose a 
surcharge, in addition to the surcharge under 
subparagraph (A) of this paragraph, in such 
amount as the Administrator determines is ap-
propriate for the amount of such coverage pro-
vided.’’. 
(d) USE OF CERTAIN MATERIALS.—Subsection (b) of 
section 1304 of the National Flood Insurance Act of 1968 
(42 U.S.C. 4011(b)), as amended by the preceding provi-
sions of this section, is further amended by adding at the 
end the following new paragraph: 
‘‘(4) USE OF CERTAIN MATERIALS.—The Ad-
ministrator shall require that any measures imple-
mented using amounts made available from coverage 
provided pursuant to this subsection be carried out 
using materials, identified by the Administrator, 
that minimize the impact of flooding on the usability
100 
of the covered property and reduce the duration that 
flooding renders the property unusable or uninhabit-
able.’’. 
(e) CONTINUED
FLOOD
INSURANCE
REQUIRE-
MENT.—Subsection (b) of section 1304 of the National 
Flood Insurance Act of 1968 (42 U.S.C. 4011(b)), as 
amended by the preceding provisions of this section, is fur-
ther amended by adding at the end the following new para-
graph: 
‘‘(5) CONTINUED FLOOD INSURANCE REQUIRE-
MENT.—The Administrator may require, as a condi-
tion of providing cost of compliance coverage under 
this subsection for a property, that the owner of the 
property enter into such binding agreements as the 
Administrator considers necessary to ensure that the 
owner of the property (and any subsequent owners) 
will maintain flood insurance coverage under this 
title for the property in such amount, and at all 
times during a period having such duration, as the 
Administrator considers appropriate to carry out the 
purposes of this subsection.’’.
101 
TITLE V—PROGRAM INTEGRITY 
SEC. 501. INDEPENDENT ACTUARIAL REVIEW. 
Section 1309 of the National Flood Insurance Act of 
1968 (42 U.S.C. 4016) is amended by adding at the end 
the following new subsection: 
‘‘(e) INDEPENDENT ACTUARIAL REVIEW.— 
‘‘(1) FIDUCIARY RESPONSIBILITY.—The Admin-
istrator has a responsibility to ensure that the Na-
tional Flood Insurance Program remains financially 
sound. Pursuant to this responsibility, the Adminis-
trator shall from time to time review and eliminate 
nonessential costs and positions within the Program, 
unless otherwise authorized or required by law, as 
the Administrator determines to be necessary. 
‘‘(2) 
ANNUAL
INDEPENDENT
ACTUARIAL 
STUDY.—The Administrator shall provide for an 
independent actuarial study of the National Flood 
Insurance Program to be conducted annually, which 
shall analyze the financial position of the program 
based on the long-term estimated losses of the pro-
gram. The Administrator shall submit a report (to-
gether with the independent actuarial study) annu-
ally to the Committee on Financial Services of the 
House of Representatives and the Committee on 
Banking, Housing, and Urban Affairs of the Senate
102 
describing the results of such study, including a de-
termination of whether the Program has collected 
revenue sufficient to cover the administrative ex-
penses of carrying out the flood insurance program, 
which are reflected in the risk premium rates, cost 
of capital, all other costs associated with the transfer 
of risks, and expected claims payments during the 
reporting period, and an overall assessment of the fi-
nancial status of the Program. 
‘‘(3) DETERMINATION OF ACTUARIAL BUDGET 
DEFICIT.— 
‘‘(A) REQUIREMENT.—Within the report 
submitted under paragraph (2), the Adminis-
trator shall issue a determination of whether 
there exists an actuarial budget deficit for the 
Program for the year covered in the report. The 
report shall recommend any changes to the Pro-
gram, if necessary, to ensure that the program 
remains financially sound. 
‘‘(B) BASIS OF DETERMINATION.—The de-
termination required by subparagraph (A) shall 
be based solely upon whether the portion of pre-
miums estimated and collected by the Program 
during the reporting period is sufficient to cover 
the administrative expenses of carrying out the
103 
flood insurance program, which are reflected in 
the risk premium rates, cost of capital, all other 
costs associated with the transfer of risk, and 
expected claims payments for the reporting pe-
riod. 
‘‘(4) QUARTERLY REPORTS.—During each fiscal 
year, on a calendar quarterly basis, the Secretary 
shall cause to be published in the Federal Register 
or comparable method, with notice to the Committee 
on Financial Services of the House of Representa-
tives and the Committee on Banking, Housing, and 
Urban Affairs of the Senate, information which shall 
specify— 
‘‘(A) the cumulative volume of policies that 
have been underwritten under the National 
Flood Insurance Program during such fiscal 
year through the end of the quarter for which 
the report is submitted; 
‘‘(B) the types of policies insured, cat-
egorized by risk; 
‘‘(C) any significant changes between ac-
tual and projected claim activity; 
‘‘(D) projected versus actual loss rates; 
‘‘(E) the cumulative number of currently 
insured repetitive-loss properties, severe repet-
104 
itive-loss properties, and extreme repetitive-loss 
properties that have been identified during such 
fiscal year through the end of the quarter for 
which the report is submitted; 
‘‘(F) the cumulative number of properties 
that have undergone mitigation assistance, 
through the National Flood Insurance Program, 
during such fiscal year through the end of the 
quarter for which the report is submitted; and 
‘‘(G) the number and location, by State or 
territory, of each policyholder that has been 
identified for such fiscal year as an eligible 
household for purposes of the flood insurance 
affordability program under section 1326. 
The first quarterly report under this paragraph shall 
be submitted on the last day of the first quarter of 
fiscal year 2018, or on the last day of the first full 
calendar quarter following the enactment of the 21st 
Century Flood Reform Act, whichever occurs later.’’. 
SEC. 502. ADJUSTMENTS TO HOMEOWNER FLOOD INSUR-
ANCE AFFORDABILITY SURCHARGE. 
(a) IN GENERAL.—Section 1308A of the National 
Flood Insurance Act of 1968 (42 U.S.C. 4015a) is amend-
ed—
105 
(1) in subsection (a), by striking the first sen-
tence and inserting the following: ‘‘The Adminis-
trator shall impose and collect a non-refundable an-
nual surcharge, in the amount provided in sub-
section (b), on all policies for flood insurance cov-
erage under the National Flood Insurance Program 
that are newly issued or renewed after the date of 
the enactment of this section.’’; and 
(2) by striking subsection (b) and inserting the 
following new subsection: 
‘‘(b) AMOUNT.—The amount of the surcharge under 
subsection (a) shall be $40, except as follows: 
‘‘(1) NON-PRIMARY RESIDENCES ELIGIBLE FOR 
PRP.—The amount of the surcharge under sub-
section (a) shall be $125 in the case of in the case 
of a policy for any property that is— 
‘‘(A) a residential property that is not the 
primary residence of an individual, and 
‘‘(B) eligible for preferred risk rate method 
premiums. 
‘‘(2) NON-RESIDENTIAL PROPERTIES AND NON- 
PRIMARY
RESIDENCES
NOT
ELIGIBLE
FOR
PRP.— 
The amount of the surcharge under subsection (a) 
shall be $275 in case of in the case of a policy for 
any property that is—
106 
‘‘(A) a non-residential property; or 
‘‘(B) a residential property that is— 
‘‘(i) not the primary residence of an 
individual; and 
‘‘(ii) not eligible for preferred risk 
rate method premiums.’’. 
(b) APPLICABILITY.—The amendment made by sub-
section (a) shall apply with respect to policies for flood 
insurance coverage under the National Flood Insurance 
Act of 1968 that are newly issued or renewed after the 
expiration of the 12-month period beginning on the date 
of the enactment of this Act. 
SEC. 503. NATIONAL FLOOD INSURANCE RESERVE FUND 
COMPLIANCE. 
Section 1310A of the National Flood Insurance Act 
of 1968 (42 U.S.C. 4017A) is amended— 
(1) in subsection (c)(2)(D), by inserting before 
the period at the end the following: ‘‘, including any 
provisions relating to chargeable premium rates or 
annual increases of such rates’’; 
(2) in subsection (c)(3), by striking subpara-
graph (A) and inserting the following new subpara-
graph: 
‘‘(A) PARITY.—In exercising the authority 
granted under paragraph (1) to increase pre-
107 
miums, the Administrator shall institute a sin-
gle annual, uniform rate of assessment for all 
individual policyholders.’’; and 
(3) in subsection (d)— 
(A) by striking paragraph (1) and insert-
ing the following new paragraph: 
‘‘(1) IN
GENERAL.—Beginning in fiscal year 
2018 and not ending until the fiscal year in which 
the ratio required under subsection (b) is achieved— 
‘‘(A) in each fiscal year the Administrator 
shall place in the Reserve Fund an amount 
equal to not less than 7.5 percent of the reserve 
ratio required under subsection (b); and 
‘‘(B) if in any given fiscal year the Admin-
istrator fails to comply with subparagraph (A), 
for the following fiscal year the Administrator 
shall increase the rate of the annual assessment 
pursuant to subsection (c)(3)(A) by at least one 
percentage point over the rate of the annual as-
sessment pursuant to subsection (c)(3)(A) in ef-
fect on the first day of such given fiscal year.’’; 
(B) in paragraph (2), by inserting before 
the period at the end the following: ‘‘nor to in-
crease assessments pursuant to paragraph 
(1)(B)’’; and
108 
(C) in paragraph (3), by inserting before 
the period at the end the following: ‘‘and para-
graph (1)(B) shall apply until the fiscal year in 
which the ratio required under subsection (b) is 
achieved’’. 
SEC. 504. DESIGNATION AND TREATMENT OF MULTIPLE- 
LOSS PROPERTIES. 
(a) DEFINITION.—Section 1370 of the National 
Flood Insurance Act of 1968 (42 U.S.C. 4121), as amend-
ed by the preceding provisions of this Act, is further 
amended— 
(1) in subsection (a)— 
(A) by striking paragraph (7); and 
(B) 
by 
redesignating 
paragraphs 
(8) 
through (18) as paragraphs (7) through (17), 
respectively; and 
(2) by adding at the end the following new sub-
section: 
‘‘(d) MULTIPLE-LOSS PROPERTIES.— 
‘‘(1) DEFINITIONS.—As used in this title: 
‘‘(A) 
MULTIPLE-LOSS
PROPERTY.—The 
term ‘multiple-loss property’ means any prop-
erty that is a repetitive-loss property, a severe 
repetitive-loss property, or an extreme repet-
itive-loss property.
109 
‘‘(B) QUALIFIED CLAIMS PAYMENT.—The 
term ‘qualified claims payment’ means a claims 
payment of any amount made under flood in-
surance coverage under this title in connection 
with loss resulting from a flood event that oc-
curred after the date of the enactment of the 
21st Century Flood Reform Act, but not includ-
ing any claim that occurred before a structure 
was made compliant with State and local flood-
plain management requirements. 
‘‘(C) REPETITIVE-LOSS
PROPERTY.—The 
term ‘repetitive-loss property’ means a struc-
ture that has incurred flood damage for which 
two or more separate claims payments of any 
amount have been made under flood insurance 
coverage under this title. 
‘‘(D) SEVERE
REPETITIVE-LOSS
PROP-
ERTY.—The term ‘severe repetitive-loss prop-
erty’ means a structure that has incurred flood 
damage for which— 
‘‘(i) 4 or more separate claims pay-
ments have been made under flood insur-
ance coverage under this title, with the 
amount of each such claim exceeding 
$5,000, and with the cumulative amount of
110 
such claims payments exceeding $20,000; 
or 
‘‘(ii) at least 2 separate claims pay-
ments have been made under flood insur-
ance coverage under this title, with the cu-
mulative amount of such claims payments 
exceeding the value of the structure. 
‘‘(E) EXTREME
REPETITIVE-LOSS
PROP-
ERTY.—The term ‘extreme repetitive-loss prop-
erty’ means a structure that has incurred flood 
damage for which at least 2 separate claims 
have been made under flood insurance coverage 
under this title, with the cumulative amount of 
such claims payments exceeding 150 percent of 
the maximum coverage amount available for the 
structure. 
‘‘(2) TREATMENT OF CLAIMS BEFORE COMPLI-
ANCE WITH STATE AND LOCAL REQUIREMENTS.— 
The Administrator shall not consider claims that oc-
curred before a structure was made compliant with 
State and local floodplain management requirements 
for purposes of determining a structure’s status as 
a multiple-loss property.’’. 
(b) PREMIUM ADJUSTMENT TO REFLECT CURRENT 
FLOOD RISK.—
111 
(1) IN
GENERAL.—Section 1308 of the Na-
tional Flood Insurance Act of 1968 (42 U.S.C. 
4015), as amended by the preceding provisions of 
this Act, is further amended by adding at the end 
the following new subsection: 
‘‘(p) PREMIUM ADJUSTMENT TO REFLECT CURRENT 
FLOOD RISK.— 
‘‘(1) IN GENERAL.—Except as provided in para-
graph (2), the Administrator shall rate a property 
for which two or more qualified claims payments 
have been made and that is charged a risk premium 
rate estimated under section 1307(a)(1) (42 U.S.C. 
4014(a)(1)) based on the current risk of flood re-
flected in the flood insurance rate map in effect at 
the time of rating. 
‘‘(2) ADJUSTMENT FOR EXISTING POLICIES.— 
Notwithstanding subsection (e) of this section, for 
policies for flood insurance under this title in force 
on the date of the enactment of this Act for prop-
erties described in paragraph (1)— 
‘‘(A) for any property for which two quali-
fied claims payments have been made, the Ad-
ministrator shall increase risk premium rates by 
10 percent each year until such rates comply 
with paragraph (1) of this subsection; and
113 
(I) in clause (i), by striking 
‘‘fair’’; and 
(II) in clause (ii)— 
(aa) by striking ‘‘fair’’; and 
(bb) by striking ‘‘and’’ and 
inserting ‘‘or’’; and 
(iv) by adding at the end the following 
new subparagraph: 
‘‘(F) any property for which two or more 
qualified claims payments have been made; 
and’’; and 
(B) by striking subsection (h). 
(2) ANNUAL
LIMITATION
ON
PREMIUM
IN-
CREASES.—Subsection (e) of section 1308 of the 
National Flood Insurance Act of 1968 (42 U.S.C. 
4015(e)) is amended— 
(A) in paragraph (3), by striking ‘‘and’’ at 
the end; 
(B) in paragraph (4)— 
(i) by striking ‘‘the chargeable risk’’ 
and inserting ‘‘notwithstanding paragraph 
(5), the chargeable risk’’; and 
(ii) by striking ‘‘described under para-
graph (3).’’ and inserting ‘‘estimated 
under section 1307(a)(1); and’’; and
114 
(C) by adding at the end the following new 
paragraph: 
‘‘(5) the chargeable risk premium rates for 
flood insurance under this title for any properties 
described in subparagraph (F) of section 1307(a)(2) 
shall be increased— 
‘‘(A) for any property for which two quali-
fied claims payments have been made, by 10 
percent each year, until the average risk pre-
mium rate for such property is equal to the av-
erage of the risk premium rates for properties 
estimated under section 1307(a)(1); and 
‘‘(B) for any property for which three or 
more qualified claims payments have been 
made, by 15 percent each year, until the aver-
age risk premium rate for such property is 
equal to the average of the risk premium rates 
for 
properties 
estimated 
under 
section 
1307(a)(1).’’. 
(d) MINIMUM DEDUCTIBLES
FOR CERTAIN MUL-
TIPLE-LOSS PROPERTIES.— 
(1) CLERICAL
AMENDMENT.—The National 
Flood Insurance Act of 1968, as amended by the 
preceding provisions of this Act, is further amend-
ed—
115 
(A) by transferring subsection (b) of sec-
tion 1312 (42 U.S.C. 4019(b)) to section 1306 
(42 U.S.C. 4013), inserting such subsection at 
the end of such section, and redesignating such 
subsection as subsection (f); and 
(B) in section 1312 (42 U.S.C. 4019), by 
redesignating subsection (c) as subsection (b). 
(2) CERTAIN
MULTIPLE-LOSS
PROPERTIES.— 
Subsection (f) of section 1306 of the National Flood 
Insurance Act of 1968 (42 U.S.C. 4013(e)), as so 
transferred and redesignated by paragraph (1) of 
this subsection, is amended adding at the end the 
following new paragraph: 
‘‘(3) CERTAIN MULTIPLE-LOSS PROPERTIES.— 
Notwithstanding paragraph (1) or (2), the minimum 
annual deductible for damage to any severe repet-
itive-loss property or extreme repetitive-loss property 
shall be not less than $5,000.’’. 
(e) CLAIM HISTORY VALIDATION.—Beginning not 
later than the expiration of the 180-day period beginning 
on the date of the enactment of this Act, the Adminis-
trator of the Federal Emergency Management Agency 
shall undertake efforts to validate the reasonable accuracy 
of claim history data maintained pursuant to the National 
Flood Insurance Act of 1968 (42 U.S.C. 4001 et seq.).
116 
(f) INCREASED COST OF COMPLIANCE COVERAGE.— 
Subparagraph (A) of section 1304(b)(1) of the National 
Flood Insurance Act of 1968 (42 U.S.C. 4011(b)(1)(A)), 
as amended by the preceding provisions of this Act, is fur-
ther amended by striking ‘‘repetitive loss structures’’ and 
inserting ‘‘multiple-loss properties’’. 
(g) AVAILABILITY OF INSURANCE FOR MULTIPLE- 
LOSS PROPERTIES.— 
(1) IN GENERAL.—The National Flood Insur-
ance Act of 1968 is amended by inserting after sec-
tion 1304 (42 U.S.C. 4011) the following new sec-
tion: 
‘‘SEC. 1304A. AVAILABILITY OF INSURANCE FOR MULTIPLE- 
LOSS PROPERTIES. 
‘‘(a) DATE AND INFORMATION IDENTIFYING CUR-
RENT FLOOD RISK.—The Administrator may provide 
flood insurance coverage under this title for a multiple- 
loss property only if the owner of the property submits 
to the Administrator such data and information necessary 
to determine such property’s current risk of flood, as de-
termined by the Administrator, at the time of application 
for or renewal of such coverage. 
‘‘(b) REFUSAL TO MITIGATE.— 
‘‘(1) IN GENERAL.—Except as provided pursu-
ant to paragraph (2), the Administrator may not
117 
make flood insurance coverage available under this 
title for any extreme repetitive-loss property for 
which a claim payment for flood loss was made 
under coverage made available under this title that 
occurred after the date of enactment of the 21st 
Century Flood Reform Act if the property owner re-
fuses an offer of mitigation for the property under 
section 1366(a)(2) (42 U.S.C. 4104c(a)(2)). 
‘‘(2) EXCEPTIONS; 
APPEALS.—The Director 
shall develop guidance to provide appropriate excep-
tions to the prohibition under paragraph (1) and to 
allow for appeals to such prohibition.’’. 
(2) EFFECTIVE DATE.—Section 1304A of the 
National Flood Insurance Act of 1968, as added by 
paragraph (1) of this subsection, shall apply begin-
ning upon the expiration of the 12-month period be-
ginning on the date of the enactment of this Act. 
(h) RATES FOR PROPERTIES NEWLY MAPPED INTO 
AREAS WITH SPECIAL FLOOD HAZARDS.—Subsection (i) 
of section 1308 of the National Flood Insurance Act of 
1968 (42 U.S.C. 4015(i)) is amended— 
(1) by striking the subsection designation and 
all that follows through ‘‘Notwithstanding’’ and in-
serting the following: