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national flood insurance program of owners of properties, 
including owners of properties that are not located in 
areas having special flood hazards but are located within 
the 100-year floodplain.’’. 
(d) FUNDING.—Section 1367(b) of the National 
Flood Insurance Act of 1968 (42 U.S.C. 4104d(b)) is 
amended by striking paragraph (1) and inserting the fol-
lowing new paragraph: 
‘‘(1) in each fiscal year, amounts from the Na-
tional 
Flood 
Insurance 
Fund 
not 
exceeding 
$40,000,000;’’. 
SEC. 6. FEMA AUTHORITY TO FUND MITIGATION ACTIVI-
TIES FOR INDIVIDUAL REPETITIVE CLAIMS 
PROPERTIES. 
(a) IN GENERAL.—Chapter I of the National Flood 
Insurance Act of 1968 (42 U.S.C. 4011 et seq.) is amend-
ed by adding at the end the following new section:
‘‘GRANTS FOR REPETITIVE INSURANCE CLAIMS 
PROPERTIES 
‘‘SEC. 1323. (a) IN GENERAL.—General.—The Di-
rector may provide funding for mitigation actions that re-
duce flood damages to individual properties for which one 
or more claim payments for losses have been made under 
flood insurance coverage under this title, but only if the 
Director determines that—
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‘‘(1) such activities are in the best interest of 
the National Flood Insurance Fund; and 
‘‘(2) such activities can not be funded under the 
program under section 1366 because—
‘‘(A) the requirements of section 1366(g) 
are not being met by the State or community 
in which the property is located; or 
‘‘(B) the State or community does not 
have the capacity to manage such activities. 
‘‘(b) PRIORITY FOR WORST-CASE PROPERTIES.—In 
determining the properties for which funding is to be pro-
vided under this section, the Director shall consult with 
the States in which such properties are located and pro-
vide assistance for properties in the order that will result 
in the greatest amount of savings to the National Flood 
Insurance Fund in the shortest period of time.’’. 
(b) AVAILABILITY OF NATIONAL FLOOD INSURANCE 
FUND AMOUNTS.—Section 1310(a) of the National Flood 
Insurance Act of 1968 (42 U.S.C. 4017(a)) is amended 
by adding at the end the following new paragraph: 
‘‘(9) for funding, not to exceed $10,000,000 in 
any fiscal year, for mitigation actions under section 
1323, except that, notwithstanding any other provi-
sion of this title, amounts made available pursuant 
to this paragraph shall not be subject to offsetting
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collections through premium rates for flood insur-
ance coverage under this title.’’. 
SEC. 7. ACTUARIAL RATE PROPERTIES. 
(a) IN GENERAL.—Section 1308 of the National 
Flood Insurance Act of 1968 (42 U.S.C. 4015) is amended 
by striking subsection (c) and inserting the following new 
subsection: 
‘‘(c) ACTUARIAL RATE PROPERTIES.—Subject only 
to the limitations provided under paragraphs (1) and (2), 
the chargeable rate shall not be less than the applicable 
estimated risk premium rate for such area (or subdivision 
thereof) under section 1307(a)(1) with respect to the fol-
lowing properties: 
‘‘(1) POST-FIRM
PROPERTIES.—Any property 
the construction or substantial improvement of 
which the Director determines has been started after 
December 31, 1974, or started after the effective 
date of the initial rate map published by the Direc-
tor under paragraph (2) of section 1360 for the area 
in which such property is located, whichever is later, 
except that the chargeable rate for properties under 
this paragraph shall be subject to the limitation 
under subsection (e). 
‘‘(2) CERTAIN
LEASED
COASTAL
AND
RIVER 
PROPERTIES.—Any property leased from the Federal
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Government (including residential and nonresidential 
properties) that the Director determines is located 
on the river-facing side of any dike, levee, or other 
riverine flood control structure, or seaward of any 
seawall or other coastal flood control structure.’’. 
(b) INAPPLICABILITY OF ANNUAL LIMITATIONS ON 
PREMIUM INCREASES.—Section 1308(e) of the National 
Flood Insurance Act of 1968 (42 U.S.C. 4015(e)) is 
amended by striking ‘‘Notwithstanding’’ and inserting 
‘‘Except with respect to properties described under para-
graph (2) or (3) of subsection (c) and notwithstanding’’. 
SEC. 8. ELECTRONIC DATABASE OF REPETITIVE LOSS 
PROPERTIES. 
Section 1364 of the National Flood Insurance Act of 
1968 (42 U.S.C. 4104a) is amended by adding at the end 
the following new subsection: 
‘‘(d) 
ELECTRONIC
DATABASE
OF
REPETITIVE 
CLAIMS PROPERTIES.—The Director may, if the Director 
determines such action is feasible, establish and maintain 
a database identifying by location and address all repet-
itive loss structures (as such term is defined in section 
1370) and severe repetitive loss properties (as such term 
is defined in section 1362(b)). If established, the Director 
shall make the database available to the public in a format 
that may be searched electronically. Such a database shall
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not include any information regarding ownership of prop-
erties.’’. 
SEC. 9. REPLACEMENT OF MOBILE HOMES ON ORIGINAL 
SITES. 
Section 1315 of the National Flood Insurance Act of 
1968 (42 U.S.C. 4022) is amended by adding at the end 
the following new subsection: 
‘‘(c) REPLACEMENT OF MOBILE HOMES ON ORIGI-
NAL SITES.—
‘‘(1) COMMUNITY PARTICIPATION.—The place-
ment of any mobile home on any site shall not affect 
the eligibility of any community to participate in the 
flood insurance program under this title and the 
Flood Disaster Protection Act of 1973 (notwith-
standing that such placement may fail to comply 
with any elevation or flood damage mitigation re-
quirements), if—
‘‘(A) such mobile home was previously lo-
cated on such site; 
‘‘(B) such mobile home was relocated from 
such site because of flooding that threatened or 
affected such site; and 
‘‘(C) such replacement is conducted not 
later than the expiration of the 180-day period 
that begins upon the subsidence (in the area of
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such site) of the body of water that flooded to 
a level considered lower than flood levels. 
‘‘(2) DEFINITION.—For purposes of this sub-
section, the term ‘mobile home’ has the meaning 
given such term in the law of the State in which the 
mobile home is located.’’.
SEC. 10. REITERATION OF FEMA RESPONSIBILITY TO MAP 
MUDSLIDES. 
As directed in section 1360(b) of the National Flood 
Insurance Act of 1968 (42 U.S.C. 4101(b)), the Director 
of the Federal Emergency Management Agency is again 
directed to accelerate the identification of risk zones with-
in flood-prone and mudslide-prone areas, as provided by 
subsection (a)(2) of such section 1360, in order to make 
known the degree of hazard within each such zone at the 
earliest possible date.
Passed the House of Representatives November 20, 
2003. 
Attest: 
JEFF TRANDAHL, 
Clerk.