of this Act and in section 1307(g)(2) of the National 
Flood Insurance Act of 1968 (42 U.S.C. 4014(g)(2)). 
(d) DRAFT AFFORDABILITY FRAMEWORK.— 
(1) IN GENERAL.—The Administrator shall pre-
pare a draft affordability framework that proposes 
to address, via programmatic and regulatory 
changes, the issues of affordability of flood insur-
ance sold under the National Flood Insurance Pro-
gram, including issues identified in the affordability 
study. 
(2) CRITERIA.—In carrying out the require-
ments under paragraph (1), the Administrator shall 
consider the following criteria: 
(A) Accurate communication to consumers 
of the flood risk associated with their property. 
(B) Targeted assistance to flood insurance 
policy holders based on their financial ability to 
continue to participate in the National Flood 
Insurance Program. 
(C) Individual or community actions to 
mitigate the risk of flood or lower the cost of 
flood insurance. 
(D) The impact of increases in risk pre-
mium rates on participation in the National 
Flood Insurance Program. 
VerDate Mar 15 2010 
22:03 Oct 31, 2013
Jkt 039200
PO 00000
Frm 00007
Fmt 6652
Sfmt 6201
E:\BILLS\H3370.IH
H3370
emcdonald on DSK67QTVN1PROD with BILLS
(E) The impact flood insurance rate map 
updates have on the affordability of flood insur-
ance. 
(3) DEADLINE
FOR
SUBMISSION.—Not later 
than 18 months after the date on which the Admin-
istrator submits the affordability study, the Admin-
istrator shall submit to the full Committee on Bank-
ing, Housing, and Urban Affairs and the full Com-
mittee on Appropriations of the Senate and the full 
Committee on Financial Services and the full Com-
mittee on Appropriations of the House of Represent-
atives the draft affordability framework. 
(e) CONGRESSIONAL CONSIDERATION OF FEMA AF-
FORDABILITY AUTHORITIES.— 
(1) NO REFERRAL.—Upon introduction in ei-
ther House of Congress, an affordability authority 
bill shall not be referred to a committee and shall 
immediately be placed on the calendar. 
(2) CONSIDERATION IN THE HOUSE OF REP-
RESENTATIVES.— 
(A) PROCEEDING TO CONSIDERATION.—It 
shall be in order to move to proceed to consider 
the affordability authority bill in the House. All 
points of order against the motion are waived. 
Such a motion shall not be in order after the 
VerDate Mar 15 2010 
22:03 Oct 31, 2013
Jkt 039200
PO 00000
Frm 00008
Fmt 6652
Sfmt 6201
E:\BILLS\H3370.IH
H3370
emcdonald on DSK67QTVN1PROD with BILLS
House has disposed of a motion to proceed with 
respect to the affordability authority bill. The 
previous question shall be considered as ordered 
on the motion to its adoption without inter-
vening motion. The motion shall not be debat-
able. A motion to reconsider the vote by which 
the motion is disposed of shall not be in order. 
(B) CONSIDERATION.—The affordability 
authority bill shall be considered as read. All 
points of order against the affordability author-
ity bill and against its consideration are waived. 
The previous question shall be considered as or-
dered on the affordability authority bill to its 
passage without intervening motion except 10 
hours of debate equally divided and controlled 
by the proponent and an opponent. A motion to 
reconsider the vote on passage of the afford-
ability authority bill shall not be in order. 
(3) CONSIDERATION IN THE SENATE.— 
(A) PLACEMENT
ON
THE
CALENDAR.— 
Upon introduction in the Senate, an afford-
ability authority bill shall be immediately placed 
on the calendar. 
(B) 
FLOOR
CONSIDERATION.—Notwith-
standing Rule XXII of the Standing Rules of 
VerDate Mar 15 2010 
22:03 Oct 31, 2013
Jkt 039200
PO 00000
Frm 00009
Fmt 6652
Sfmt 6201
E:\BILLS\H3370.IH
H3370
emcdonald on DSK67QTVN1PROD with BILLS
the Senate, it is in order, at any time beginning 
on the day after the 6th day after the date of 
introduction of an affordability authority bill 
(even if a previous motion to the same effect 
has been disagreed to) to move to proceed to 
the consideration of the affordability authority 
bill and all points of order against consideration 
of the affordability authority bill are waived. 
The motion to proceed is not debatable. The 
motion is not subject to a motion to postpone. 
A motion to reconsider the vote by which the 
motion is agreed to or disagreed to shall not be 
in order. If a motion to proceed to the consider-
ation of the affordability authority bill is agreed 
to, the affordability authority bill shall remain 
the unfinished business until disposed of. 
(C) CONSIDERATION.—All points of order 
against the affordability authority bill are 
waived. Consideration of the affordability au-
thority bill and of all debatable motions and ap-
peals in connection therewith shall be limited to 
not more than 10 hours which shall be divided 
equally between the majority and minority lead-
ers or their designees. A motion further to limit 
VerDate Mar 15 2010 
22:03 Oct 31, 2013
Jkt 039200
PO 00000
Frm 00010
Fmt 6652
Sfmt 6201
E:\BILLS\H3370.IH
H3370
emcdonald on DSK67QTVN1PROD with BILLS
debate on the affordability authority bill is in 
order, and is not debatable. 
(D) NO AMENDMENTS.—An amendment to 
the affordability authority bill, or a motion to 
postpone, or a motion to proceed to the consid-
eration of other business, or a motion to com-
mit or recommit the affordability authority bill, 
is not in order. 
(E) VOTE ON PASSAGE.—If the Senate has 
voted to proceed to the affordability authority 
bill, the vote on passage of the affordability au-
thority bill shall occur immediately following the 
conclusion of consideration of the affordability 
authority bill, and a single quorum call at the 
conclusion of the debate if requested in accord-
ance with the rules of the Senate. 
(4) AMENDMENT.—The affordability authority 
bill shall not be subject to amendment in either the 
House of Representatives or the Senate. 
(5) CONSIDERATION BY THE OTHER HOUSE.— 
(A) IN GENERAL.—If, before passing the 
affordability authority bill, one House receives 
from the other an affordability authority bill— 
VerDate Mar 15 2010 
22:03 Oct 31, 2013
Jkt 039200
PO 00000
Frm 00011
Fmt 6652
Sfmt 6201
E:\BILLS\H3370.IH
H3370
emcdonald on DSK67QTVN1PROD with BILLS
(i) the affordability authority bill of 
the other House shall not be referred to a 
committee; and 
(ii) the procedure in the receiving 
House shall be the same as if no afford-
ability authority bill had been received 
from the other House except that the vote 
on passage shall be on the affordability au-
thority bill of the other House. 
(B) REVENUE MEASURE.—This subsection 
shall not apply to the House of Representatives 
if the affordability authority bill received from 
the Senate is a revenue measure. 
(6) COORDINATION
WITH
ACTION
BY
OTHER 
HOUSE.— 
(A) TREATMENT OF AFFORDABILITY AU-
THORITY BILL OF OTHER HOUSE.—If the Sen-
ate fails to introduce or consider a affordability 
authority bill under this section, the afford-
ability authority bill of the House shall be enti-
tled to expedited floor procedures under this 
section. 
(B) TREATMENT
OF
COMPANION
MEAS-
URES IN THE SENATE.—If following passage of 
the affordability authority bill in the Senate, 
VerDate Mar 15 2010 
22:03 Oct 31, 2013
Jkt 039200
PO 00000
Frm 00012
Fmt 6652
Sfmt 6201
E:\BILLS\H3370.IH
H3370
emcdonald on DSK67QTVN1PROD with BILLS
the Senate then receives the affordability au-
thority bill from the House of Representatives, 
the House-passed affordability authority bill 
shall not be debatable. 
(C) VETOES.—If the President vetoes the 
affordability authority bill, debate on a veto 
message in the Senate under this section shall 
be 1 hour equally divided between the majority 
and minority leaders or their designees. 
(7) RULES OF THE HOUSE OF REPRESENTA-
TIVES AND SENATE.—This subsection is enacted by 
Congress— 
(A) as an exercise of the rulemaking power 
of the Senate and the House of Representa-
tives, respectively, and as such it is deemed a 
part of the rules of each House, respectively, 
but applicable only with respect to the proce-
dure to be followed in that House in the case 
of an affordability authority bill, and it super-
sedes other rules only to the extent that it is in-
consistent with such rules; and 
(B) with full recognition of the constitu-
tional right of either House to change its rules 
at any time, in the same manner, and to the 
VerDate Mar 15 2010 
22:03 Oct 31, 2013
Jkt 039200
PO 00000
Frm 00013
Fmt 6652
Sfmt 6201
E:\BILLS\H3370.IH
H3370
emcdonald on DSK67QTVN1PROD with BILLS
same extent as in the case of any other rule of 
that House. 
(f) INTERAGENCY
AGREEMENTS.—The Adminis-
trator may enter into an agreement with another Federal 
agency to— 
(1) complete the affordability study; or 
(2) prepare the draft affordability framework. 
(g) CLEAR COMMUNICATIONS.—The Administrator 
shall clearly communicate full flood risk determinations to 
individual property owners regardless of whether their pre-
mium rates are full actuarial rates. 
(h) RULE OF CONSTRUCTION.—Nothing in this sec-
tion shall be construed to provide the Administrator with 
the authority to provide assistance to homeowners based 
on affordability that was not available prior to the enact-
ment of the Biggert-Waters Flood Insurance Reform Act 
of 2012 (Public Law 112–141; 126 Stat. 916). 
SEC. 4. AFFORDABILITY STUDY AND REPORT. 
Notwithstanding 
the 
deadline 
under 
section 
100236(c) of the Biggert-Waters Flood Insurance Reform 
Act of 2012 (Public Law 112–141; 126 Stat. 957), not 
later than 2 years after the date of enactment of this Act, 
the Administrator shall submit to the full Committee on 
Banking, Housing, and Urban Affairs and the full Com-
mittee on Appropriations of the Senate and the full Com-
VerDate Mar 15 2010 
22:03 Oct 31, 2013
Jkt 039200
PO 00000
Frm 00014
Fmt 6652
Sfmt 6201
E:\BILLS\H3370.IH
H3370
emcdonald on DSK67QTVN1PROD with BILLS
mittee on Financial Services and the full Committee on 
Appropriations of the House of Representatives the af-
fordability study and report required under such section. 
SEC. 5. AFFORDABILITY STUDY FUNDING. 
Section 100236(d) of the Biggert-Waters Flood In-
surance Reform Act of 2012 (Public Law 112–141; 126 
Stat. 957) is amended by striking ‘‘not more than 
$750,000’’ and inserting ‘‘such amounts as may be nec-
essary’’. 
SEC. 6. FUNDS TO REIMBURSE HOMEOWNERS FOR SUC-
CESSFUL MAP APPEALS. 
(a) IN GENERAL.—Section 1363(f) of the National 
Flood Insurance Act of 1968 (42 U.S.C. 4104(f)) is 
amended by striking the second sentence and inserting the 
following: ‘‘The Administrator may use such amounts 
from the National Flood Insurance Fund established 
under section 1310 as may be necessary to carry out this 
subsection.’’. 
(b) CONFORMING AMENDMENT.—Section 1310(a) of 
the National Flood Insurance Act of 1968 (42 U.S.C. 
4017(a)) is amended— 
(1) in paragraph (6), by striking ‘‘and’’ at the 
end; 
(2) in paragraph (7), by striking the period at 
the end and inserting ‘‘; and’’; and 
VerDate Mar 15 2010 
22:03 Oct 31, 2013
Jkt 039200
PO 00000
Frm 00015
Fmt 6652
Sfmt 6201
E:\BILLS\H3370.IH
H3370
emcdonald on DSK67QTVN1PROD with BILLS
(3) by adding at the end the following: 
‘‘(8) for carrying out section 1363(f).’’. 
SEC. 7. FLOOD PROTECTION 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— 
(1) in the first sentence, by inserting ‘‘or recon-
struction’’ after ‘‘construction’’; 
(2) by amending the second sentence to read as 
follows: ‘‘The Administrator shall find that adequate 
progress on the construction or reconstruction of a 
flood protection system, based on the present value 
of the completed flood protection system, has been 
made only if (1) 100 percent of the cost of the sys-
tem has been authorized, (2) at least 60 percent of 
the cost of the system has been appropriated, (3) at 
least 50 percent of the cost of the system has been 
expended, and (4) the system is at least 50 percent 
completed.’’; and 
(3) by adding at the end the following: ‘‘Not-
withstanding any other provision of law, in deter-
mining whether a community has made adequate 
progress on the construction, reconstruction, or im-
provement of a flood protection system, the Adminis-
VerDate Mar 15 2010 
22:03 Oct 31, 2013
Jkt 039200
PO 00000
Frm 00016
Fmt 6652
Sfmt 6201
E:\BILLS\H3370.IH
H3370
emcdonald on DSK67QTVN1PROD with BILLS
trator shall consider all sources of funding, including 
Federal, State, and local funds.’’. 
(b) 
COMMUNITIES
RESTORING
DISACCREDITED 
FLOOD PROTECTION SYSTEMS.—Section 1307(f) of the 
National Flood Insurance Act of 1968 (42 U.S.C. 
4014(f)) is amended by amending the first sentence to 
read as follows: ‘‘Notwithstanding any other provision of 
law, this subsection shall apply to riverine and coastal lev-
ees that are located in a community which has been deter-
mined by the Administrator of the Federal Emergency 
Management Agency to be in the process of restoring flood 
protection afforded by a flood protection system that had 
been previously accredited on a Flood Insurance Rate Map 
as providing 100-year frequency flood protection but no 
longer does so, and shall apply without regard to the level 
of Federal funding of or participation in the construction, 
reconstruction, or improvement of the flood protection sys-
tem.’’. 
SEC. 8. TREATMENT OF FLOODPROOFED RESIDENTIAL 
BASEMENTS. 
Notwithstanding the Biggert-Waters Flood Insurance 
Reform Act of 2012 (Public Law 112–141; 126 Stat. 
916), the amendments made by that Act, or any other pro-
vision of law, the Administrator shall rate a covered struc-
ture 
using 
the 
elevation 
difference 
between 
the 
VerDate Mar 15 2010 
22:03 Oct 31, 2013
Jkt 039200
PO 00000
Frm 00017
Fmt 6652
Sfmt 6201
E:\BILLS\H3370.IH
H3370
emcdonald on DSK67QTVN1PROD with BILLS
floodproofed elevation of the covered structure and the ad-
justed base flood elevation of the covered structure. 
SEC. 9. DESIGNATION OF FLOOD INSURANCE ADVOCATE. 
(a) IN GENERAL.—The Administrator shall designate 
a Flood Insurance Advocate to advocate for the fair treat-
ment of policy holders under the National Flood Insurance 
Program and property owners in the mapping of flood 
hazards, the identification of risks from flood, and the im-
plementation of measures to minimize the risk of flood. 
(b) DUTIES
AND RESPONSIBILITIES.—The duties 
and responsibilities of the Flood Insurance Advocate des-
ignated under subsection (a) shall be to— 
(1) educate property owners and policyholders 
under the National Flood Insurance Program on— 
(A) individual flood risks; 
(B) flood mitigation; 
(C) measures to reduce flood insurance 
rates through effective mitigation; and 
(D) the flood insurance rate map review 
and amendment process; 
(2) assist policy holders under the National 
Flood Insurance Program and property owners to 
understand the procedural requirements related to 
appealing preliminary flood insurance rate maps and 
VerDate Mar 15 2010 
22:03 Oct 31, 2013
Jkt 039200
PO 00000
Frm 00018
Fmt 6652
Sfmt 6201
E:\BILLS\H3370.IH
H3370
emcdonald on DSK67QTVN1PROD with BILLS
implementing measures to mitigate evolving flood 
risks; 
(3) assist in the development of regional capac-
ity to respond to individual constituent concerns 
about flood insurance rate map amendments and re-
visions; 
(4) coordinate outreach and education with 
local officials and community leaders in areas im-
pacted by proposed flood insurance rate map amend-
ments and revisions; and 
(5) aid potential policy holders under the Na-
tional Flood Insurance Program in obtaining and 
verifying accurate and reliable flood insurance rate 
information when purchasing or renewing a flood in-
surance policy. 
(c) AUTHORIZATION
OF APPROPRIATIONS.—There 
are authorized to be appropriated for each fiscal year such 
sums as may be necessary to carry out the duties and re-
sponsibilities of the Flood Insurance Advocate. 
Æ 
VerDate Mar 15 2010 
22:03 Oct 31, 2013
Jkt 039200
PO 00000
Frm 00019
Fmt 6652
Sfmt 6301
E:\BILLS\H3370.IH
H3370
emcdonald on DSK67QTVN1PROD with BILLS