(E) the Administrator of the Small Busi-
ness Administration;
(F) a designee of the Financial Institutions
Examination Council;
(G) the chairman of the Board of Direc-
tors of the Federal Home Loan Mortgage Cor-
poration;
(H) the chairman of the Board of Direc-
tors of the Federal National Mortgage Associa-
tion;
(I) the Under Secretary of Commerce for
Oceans and Atmosphere;
(J) the Director of the United States Fish
and Wildlife Service; and
(K) the Administrator of the Environ-
mental Protection Agency.
(2) QUALIFICATIONS.—Members of the Task
Force shall be designated for membership on the
Task Force by reason of demonstrated knowledge
and competence regarding the national flood insur-
ance program.
(c) DUTIES.—The Task Force shall carry out the fol-
lowing duties:
(1) Make recommendations to the head of each
Federal agency and corporation referred to under
subsection (b)(1) regarding establishment or adop-
tion of standardized enforcement procedures among
such agencies and corporations responsible for en-
forcing compliance with the requirements under the
national flood insurance program to ensure fullest
possible compliance with such requirements.
(2) Conduct a study of the extent to which Fed-
eral agencies and the secondary mortgage market
can provide assistance in ensuring compliance with
the requirements under the national flood insurance
program and submit to the Congress a report de-
scribing the study and any conclusions.
(3) Conduct a study of the extent to which ex-
isting programs of Federal agencies and corpora-
tions for compliance with the requirements under
the national flood insurance program can serve as a
model for other Federal agencies responsible for en-
forcing compliance, and submit to the Congress a re-
port describing the study and any conclusions.
(4) Develop guidelines regarding enforcement
and compliance procedures, based on the studies and
findings of the Task Force and publishing the guide-
lines in a usable format.
(d) NONCOMPENSATION.—Members of the Task
Force shall receive no additional pay by reason of their
service on the Task Force.
(e) CHAIRPERSON.—The members of the Task Force
shall elect one member as chairperson of the Task Force.
(f) MEETINGS AND ACTION.—The Task Force shall
meet at the call of the chairman or a majority of the mem-
bers of the Task Force and may take action by a vote
of the majority of the members. The Federal Insurance
Administrator shall coordinate and call the initial meeting
of the Task Force.
(g) OFFICERS.—The chairperson of the Task Force
may appoint any officers to carry out the duties of the
Task Force under subsection (c).
(h) STAFF OF FEDERAL AGENCIES.—Upon request
of the chairperson of the Task Force, the head of any of
the Federal agencies and corporations referred to under
subsection (b)(1) may detail, on a nonreimbursable basis,
any of the personnel of such agency to the Task Force
to assist the Task Force in carrying out its duties under
this Act.
(i) POWERS.—In carrying out this section, the Task
Force may hold hearings, sit and act at times and places,
take testimony, receive evidence and assistance, provide
information, and conduct research as the Task Force con-
siders appropriate.
(j) SUBCOMMITTEE ON NATURAL AND BENEFICIAL
FUNCTIONS OF THE FLOODPLAIN.—The members of the
Task Force appointed under subsections (b)(1) (I), (J),
and (K) shall constitute a select subcommittee which, in
addition to their duties under subsection (c), shall make
recommendations regarding the implementation of the
provisions of the National Flood Insurance Act of 1968
that deal with protection of the natural and beneficial
functions of the floodplain.
(k) TERMINATION.—The Task Force shall terminate
upon the expiration of the 24-month period beginning
upon the designation of the last member to be designated
under subsection (b)(1).
TITLE VI—MISCELLANEOUS
PROVISIONS
SEC. 601. EXTENSION OF FLOOD INSURANCE PROGRAM.
(a) IN GENERAL.—Section 1319 of the National
Flood Insurance Act of 1968 (42 U.S.C. 4026) is amended
by striking ‘‘September 30, 1995’’ and inserting ‘‘Septem-
ber 30, 1999’’.
(b) 
EMERGENCY
IMPLEMENTATION.—Section
1336(a) of the National Flood Insurance Act of 1968 (42
U.S.C. 4056(a)) is amended by striking ‘‘September 30,
1995’’ and inserting ‘‘September 30, 1999’’.
(c) LIMITATION ON ANNUAL PREMIUM INCREASES.—
Section 541(d) of the Housing and Community Develop-
ment Act of 1987 (42 U.S.C. 4015 note) is amended by
striking ‘‘September 30, 1995’’ and inserting ‘‘September
30, 1999’’.
SEC. 
602. 
MAXIMUM 
FLOOD 
INSURANCE 
COVERAGE
AMOUNTS.
(a) IN GENERAL.—Section 1306(b) of the National
Flood Insurance Act of 1968 (42 U.S.C. 4013(b)) is as
follows:
(1) RESIDENTIAL
PROPERTY.—In paragraph
(2), by striking ‘‘an amount of $150,000 under the
provisions of this clause’’ and inserting the follow-
ing: ‘‘a total amount (including such limits specified
in paragraph (1)(A)(i)) equal to the dollar amount
limitation pursuant to section 305(a)(2) of the Fed-
eral Home Loan Mortgage Corporation Act in effect
for a single-family residence’’.
(2) RESIDENTIAL
PROPERTY
CONTENTS.—In
paragraph (3), by striking ‘‘an amount of $50,000
under the provisions of this clause’’ and inserting
the following: ‘‘a total amount (including such limits
specified in paragraph (1)(A)(ii)) of $100,000’’.
(3) NONRESIDENTIAL
PROPERTY
AND
CON-
TENTS.—By striking paragraph (4) and inserting
the following new paragraph:
‘‘(4) in the case of any nonresidential property,
including churches, for which the risk premium rate
is determined in accordance with the provisions of
section 1307(a)(1), additional flood insurance in ex-
cess of the limits specified in subparagraphs (B) and
(C) of paragraph (1) shall be made available to
every insured upon renewal and every applicant for
insurance, in respect to any single structure, up to
a total amount (including such limits specified in
subparagraph (B) or (C) or paragraph (1), as appli-
cable) of $500,000 for each structure and $500,000
for any contents related to each structure; and’’.
(b) REMOVAL
OF
CEILING
ON
COVERAGE
RE-
QUIRED.—Section 1306(b) of the National Flood Insur-
ance Act of 1968 (42 U.S.C. 4013(b)) is amended—
(1) in paragraph (5), by striking ‘‘; and’’ at the
end and inserting a period; and
(2) by striking paragraph (6).
SEC. 603. FLOOD INSURANCE PROGRAM ARRANGEMENTS
WITH PRIVATE INSURANCE ENTITIES.
Section 1345(b) of the National Flood Insurance Act
of 1968 (42 U.S.C. 4081(b)) is amended by striking the
period at the end and inserting the following: ‘‘and without
regard to the provisions of the Federal Advisory Commit-
tee Act (5 U.S.C. App.).’’.
SEC. 604. UPDATING OF FLOOD MAPS AND ASSESSMENT
AND MAPPING OF EROSION HAZARD ZONES.
Section 1360 of the National Flood Insurance Act of
1968 (42 U.S.C. 4101) is amended by adding at the end
the following new subsections:
‘‘(e) REVIEW OF FLOOD MAPS.—Once during each
5-year period (the 1st such period beginning on the date
of the enactment of the National Flood Insurance Reform
Act of 1993) or more often as the Director determines
necessary because of storm-induced erosion, increased wa-
tershed development, or other extraordinary situations,
the Director shall assess the need to revise and update
all floodplain areas and flood risk zones identified, delin-
eated, or established under this section.
‘‘(f) UPDATING FLOOD MAPS.—The Director shall
revise and update any floodplain areas and flood-risk
zones—
‘‘(1) upon the determination of the Director,
according to the assessment under subsection (e),
that revision and updating are necessary for the
areas and zones; or
‘‘(2) upon the request from any State or local
government stating that specific floodplain areas or
flood-risk zones in the State or locality need revision
or updating, if sufficient technical data justifying
the request is submitted and the unit of government
making the request agrees to provide funds in an
amount equal to the amount of funds provided by
the Director (or the equivalent value of data, tech-
nical analysis, or other in-kind services) for the re-
quested revision or update.
‘‘(g) 
ESTABLISHMENT
OF
EROSION
HAZARD
ZONES.—
‘‘(1) IN GENERAL.—Not later than the expira-
tion of the 6-year period beginning on the date of
the enactment of the National Flood Insurance Re-
form Act of 1993, the Director shall assess, identify,
and map, before all areas along the shorelines of the
Great Lakes and the tidal waters of the United
States that have special erosion hazards (in this sec-
tion referred to as ‘erosion hazard zones’), as pro-
vided in this subsection.
‘‘(2) 60-YEAR EROSION ZONES.—On each flood
insurance rate map established under this section,
the Director shall identify and provide legible demar-
cation for areas that are subject to special erosion
hazards within a 60-year period based on past an-
nual average rates of shoreline retreat in such areas
(in this section referred to as ‘60-year erosion
zones’).
‘‘(3) 30-YEAR EROSION ZONES.—On each flood
insurance rate map established under this section,
the Director shall provide information by area re-
garding the existing annual average rate of erosion
for each area, so that users of the maps can delin-
eate boundaries for areas subject to erosion within
30 years (in this section referred to as ‘30-year ero-
sion zones’).
‘‘(4) UPDATING.—The Director shall provide
for revising and updating erosion hazard zones as
frequently as the Director determines to be nec-
essary for purposes of this title. In revising the geo-
graphical boundaries of erosion hazard zones, the
Director shall place special emphasis on consider-
ing—
‘‘(A) areas (or subdivisions thereof) that
are experiencing or have recently experienced
erosion rates in excess of the annual average
erosion rate, due to storms, high lake levels, or
other factors; and
‘‘(B) areas where nonstructural and struc-
tural measures have been implemented by a
community to control erosion or erosion rates
have been otherwise significantly altered by
manmade or induced activity.’’.
SEC. 605. FUNDING FOR INCREASED ADMINISTRATIVE AND
OPERATIONAL RESPONSIBILITIES.
(a) AVAILABILITY OF FUND.—Section 1310(a) of the
National Flood Insurance Act of 1968 (42 U.S.C.
4017(a)) is amended—
(1) in the matter preceding paragraph (1), by
inserting ‘‘(except as otherwise provided in this sec-
tion)’’ after ‘‘without fiscal year limitation’’; and
(2) by inserting after paragraph (6) (as added
by the preceding provisions of this Act) the following
new paragraphs:
‘‘(7) for assessment and mapping of erosion
hazard zones under section 1360(g), except that the
fund shall be available for the purpose under this
paragraph in an amount not to exceed an aggregate
of $25,000,000 over the 6-year period beginning on
the date of the enactment of the National Flood In-
surance Reform Act of 1993;
‘‘(8) for the revision and updating of erosion
hazard zones under section 1360(g)(4), except that
the fund shall be available for the purpose under
this paragraph in an amount not to exceed
$2,000,000 in each fiscal year beginning after the
expiration of the 6-year period beginning on the date
of the enactment of the National Flood Insurance
Reform Act of 1993; and’’.
SEC. 606. REGULATIONS.
The Director of the Federal Emergency Management
Agency, the Secretary of Housing and Urban Develop-
ment, and any appropriate head of any Federal agency
may each issue any regulations necessary to carry out the
applicable provisions of this Act and the applicable amend-
ments made by this Act.
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