HR 3156 IH
SEC. 2. CLARIFICATION ON APPLICATION OF CERTAIN PRE-
MIUM ADJUSTMENTS UNDER THE BIGGERT- 
WATERS FLOOD INSURANCE REFORM ACT OF 
2012. 
(a) CLARIFICATION.—Section 1308(h) of the Na-
tional Flood Insurance Act of 1968 (42 U.S.C. 4015(h)) 
is amended— 
(1) by striking ‘‘Notwithstanding’’ and insert-
ing ‘‘(1) IN GENERAL.—Notwithstanding’’; and 
(2) by adding at the end the following: 
‘‘(2) APPLICABILITY.—The requirements under 
paragraph (1) shall only apply with respect to any 
property located in an area— 
‘‘(A) that is participating in the national 
flood insurance program; and 
‘‘(B) for which the Administrator has pub-
lished in the Federal Register projected base 
flood elevations and designations of areas hav-
ing special flood hazards under section 1363(a) 
on or after December 31, 2013.’’. 
(b) EFFECTIVE DATE.—The amendments made by 
subsection (a) shall take effect as if enacted as part of 
the Biggert-Waters Flood Insurance Reform Act of 2012 
(Public Law 112–141; 126 Stat. 916). 
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SEC. 3. PHASE-IN OF ACTUARIAL RATES FOR NEWLY PUR-
CHASED HOMES. 
(a) IN GENERAL.—Section 1308(e) of the National 
Flood Insurance Act of 1968 (42 U.S.C. 4015(e)) is 
amended— 
(1) in paragraph (1), by striking ‘‘and’’ at the 
end; 
(2) in paragraph (2), by striking the period at 
the end and inserting ‘‘; and’’; and 
(3) by adding at the end the following: 
‘‘(3) not subject to the phase-in requirement 
under paragraph (2), which are sold on or after the 
date of enactment of the Biggert-Waters Flood In-
surance Reform Act of 2012, and notwithstanding 
the requirements of section 1307(g), shall be in-
creased by 20 percent each year, beginning in the 
year after the first such sale, until the average risk 
premium rate for such properties is equal to the av-
erage of the risk premium rates for properties de-
scribed in paragraph (1).’’. 
(b) EFFECTIVE DATE.—The amendments made by 
subsection (a) shall take effect as if enacted as part of 
the Biggert-Waters Flood Insurance Reform Act of 2012 
(Public Law 112–141; 126 Stat. 916). 
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HR 3156 IH
SEC. 4. LOCAL CHOICE TO PROTECT HOMEOWNERS. 
The National Flood Insurance Act of 1968 (42 
U.S.C. 4001 et seq.) is amended by inserting after section 
1308 the following: 
‘‘SEC. 1308A. STATE AND LOCAL GOVERNMENT FLEXI-
BILITY. 
‘‘(a) IN GENERAL.—The Administrator shall estab-
lish a means by which a State or local government may, 
on its own accord or in conjunction with other State or 
local governments, submit such payments to the Adminis-
trator as are necessary to fully cover the cost of any pre-
mium for any property within the jurisdiction of the State 
or local government. 
‘‘(b) RISK PREMIUM RATE.—The Administrator shall 
require that the amount of any payment from a State or 
local government under subsection (a) be consistent with 
sections 1307 and 1308.’’. 
SEC. 5. MITIGATION ASSISTANCE FOR HOMEOWNERS. 
Section 404 of the Robert T. Stafford Disaster Relief 
and Emergency Assistance Act (42 U.S.C. 5170c) is 
amended by adding at the end the following: 
‘‘(f) SPECIAL PROVISION RELATING TO FLOOD MITI-
GATION.— 
‘‘(1) DEFINITION.—In this subsection, the term 
‘eligible property’ means— 
‘‘(A) a property— 
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‘‘(i) described in paragraph (1) or (2) 
of section 1307(g) of the National Flood 
Insurance 
Act 
of 
1968 
(42 
U.S.C. 
4014(g)); 
‘‘(ii) for which a policy under the 
flood insurance program has lapsed in cov-
erage, as a result of the deliberate choice 
of the holder of such policy, as described in 
paragraph (3) of section 1307(g) of the 
National Flood Insurance Act of 1968 (42 
U.S.C. 4014(g)); or 
‘‘(iii) with respect to which a prospec-
tive insured refuses to accept any offer for 
mitigation assistance by the Administrator 
of the Federal Emergency Management 
Agency (including an offer to relocate), as 
described in paragraph (4) of section 
1307(g) of the National Flood Insurance 
Act of 1968 (42 U.S.C. 4014(g)); and 
‘‘(B) a property for which the risk pre-
mium rate for flood insurance coverage under 
the National Flood Insurance Program in-
creases under section 1308(h) of the National 
Flood Insurance Act of 1968 (42 U.S.C. 
4015(h)) on or after July 6, 2012. 
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‘‘(2) MITIGATION
AGAINST
FUTURE
FLOOD-
ING.—In providing hazard mitigation assistance 
under this section in connection with flooding, the 
Administrator of the Federal Emergency Manage-
ment Agency shall ensure that not less than 25 per-
cent of the estimated aggregate amount of such as-
sistance provided to a grant recipient is used to ele-
vate, acquire, or relocate eligible properties, to the 
extent that eligible properties exist within the juris-
diction of the grant recipient.’’. 
SEC. 6. CONSTRUCTION AND RESTORATION OF FLOOD PRO-
TECTION SYSTEMS. 
(a) ADEQUATE PROGRESS
ON CONSTRUCTION
OF 
FLOOD PROTECTION SYSTEMS.—Section 1307(e) of the 
National Flood Insurance Act of 1968 (42 U.S.C. 
4014(e)) is amended by inserting after the second sen-
tence the following: ‘‘Notwithstanding any other provision 
of law, in determining whether a community has made 
adequate progress on the construction, reconstruction, or 
improvement of a flood protection system, the Adminis-
trator shall not consider the level of Federal funding of 
or participation in the construction, reconstruction, or im-
provement.’’. 
(b) 
COMMUNITIES
RESTORING
DISACCREDITED 
FLOOD PROTECTION SYSTEMS.—Section 1307(f) of the 
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National Flood Insurance Act of 1968 (42 U.S.C. 
4014(f)) is amended in the first sentence by striking ‘‘no 
longer does so.’’ and inserting the following: ‘‘no longer 
does so, and shall apply without regard to the level of Fed-
eral funding of or participation in the construction, recon-
struction, or improvement of the flood protection system.’’. 
SEC. 7. APPROPRIATE CREDIT FOR FLOOD CONTROL 
STRUCTURES. 
Section 1360 of the National Flood Insurance Act of 
1968 (42 U.S.C. 4101) is amended by adding at the end 
the following: 
‘‘(k) ACTUAL PROTECTION PROVIDED
BY LEVEE 
SYSTEMS.—The Administrator may not issue a flood in-
surance rate map or an update to a flood insurance rate 
map for an area unless— 
‘‘(1) the flood insurance rate map or update 
adequately reflects the protection provided by any 
levee system in the area against the base flood, re-
gardless of the accreditation status of the levee sys-
tem under section 65.10 of title 44, Code of Federal 
Regulations, or any successor thereto; or 
‘‘(2) the community in which any levee system 
in the area is located elects not to provide the data 
necessary for the Administrator to issue a flood in-
surance rate map or update that adequately reflects 
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