IIB 
112TH CONGRESS 
1ST SESSION H. R. 1309 
IN THE SENATE OF THE UNITED STATES 
JULY 13, 2011 
Received; read twice and referred to the Committee on Banking, Housing, and 
Urban Affairs 
AN ACT 
To extend the authorization of the national flood insurance 
program, to achieve reforms to improve the financial 
integrity and stability of the program, and to increase 
the role of private markets in the management of flood 
insurance risk, and for other purposes. 
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Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE AND TABLE OF CONTENTS. 
(a) SHORT TITLE.—This Act may be cited as the 
‘‘Flood Insurance Reform Act of 2011’’. 
(b) TABLE OF CONTENTS.—The table of contents for 
this Act is as follows: 
Sec. 1. Short title and table of contents. 
Sec. 2. Extensions. 
Sec. 3. Mandatory purchase. 
Sec. 4. Reforms of coverage terms. 
Sec. 5. Reforms of premium rates. 
Sec. 6. Technical Mapping Advisory Council. 
Sec. 7. FEMA incorporation of new mapping protocols. 
Sec. 8. Treatment of levees. 
Sec. 9. Privatization initiatives. 
Sec. 10. FEMA annual report on insurance program. 
Sec. 11. Mitigation assistance. 
Sec. 12. Notification to homeowners regarding mandatory purchase require-
ment applicability and rate phase-ins. 
Sec. 13. Notification to members of congress of flood map revisions and up-
dates. 
Sec. 14. Notification and appeal of map changes; notification to communities 
of establishment of flood elevations. 
Sec. 15. Notification to tenants of availability of contents insurance. 
Sec. 16. Notification to policy holders regarding direct management of policy by 
FEMA. 
Sec. 17. Notice of availability of flood insurance and escrow in RESPA good 
faith estimate. 
Sec. 18. Reimbursement for costs incurred by homeowners and communities ob-
taining letters of map amendment or revision. 
Sec. 19. Enhanced communication with certain communities during map updat-
ing process. 
Sec. 20. Notification to residents newly included in flood hazard areas. 
Sec. 21. Treatment of swimming pool enclosures outside of hurricane season. 
Sec. 22. Information regarding multiple perils claims. 
Sec. 23. FEMA authority to reject transfer of policies. 
Sec. 24. Appeals. 
Sec. 25. Reserve fund. 
Sec. 26. CDBG eligibility for flood insurance outreach activities and community 
building code administration grants. 
Sec. 27. Technical corrections. 
Sec. 28. Requiring competition for national flood insurance program policies. 
Sec. 29. Studies of voluntary community-based flood insurance options. 
Sec. 30. Report on inclusion of building codes in floodplain management cri-
teria. 
Sec. 31. Study on graduated risk. 
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Sec. 32. Report on flood-in-progress determination. 
Sec. 33. Study on repaying flood insurance debt. 
Sec. 34. No cause of action. 
Sec. 35. Authority for the corps of engineers to provide specialized or technical 
services. 
SEC. 2. EXTENSIONS. 
(a) EXTENSION OF PROGRAM.—Section 1319 of the 
National Flood Insurance Act of 1968 (42 U.S.C. 4026) 
is amended by striking ‘‘September 30, 2011’’ and insert-
ing ‘‘September 30, 2016’’. 
(b) EXTENSION OF FINANCING.—Section 1309(a) of 
such Act (42 U.S.C. 4016(a)) is amended by striking 
‘‘September 30, 2011’’ and inserting ‘‘September 30, 
2016’’. 
SEC. 3. MANDATORY PURCHASE. 
(a) AUTHORITY TO TEMPORARILY SUSPEND MANDA-
TORY PURCHASE REQUIREMENT.— 
(1) IN GENERAL.—Section 102 of the Flood 
Disaster Protection Act of 1973 (42 U.S.C. 4012a) 
is amended by adding at the end the following new 
subsection: 
‘‘(i) AUTHORITY TO TEMPORARILY SUSPEND MAN-
DATORY PURCHASE REQUIREMENT.— 
‘‘(1) FINDING BY ADMINISTRATOR THAT AREA 
IS AN ELIGIBLE AREA.—For any area, upon a re-
quest submitted to the Administrator by a local gov-
ernment authority having jurisdiction over any por-
tion of the area, the Administrator shall make a 
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finding of whether the area is an eligible area under 
paragraph (3). If the Administrator finds that such 
area is an eligible area, the Administrator shall, in 
the discretion of the Administrator, designate a pe-
riod during which such finding shall be effective, 
which shall not be longer in duration than 12 
months. 
‘‘(2) SUSPENSION
OF
MANDATORY
PURCHASE 
REQUIREMENT.—If the Administrator makes a find-
ing under paragraph (1) that an area is an eligible 
area under paragraph (3), during the period speci-
fied in the finding, the designation of such eligible 
area as an area having special flood hazards shall 
not be effective for purposes of subsection (a), (b), 
and (e) of this section, and section 202(a) of this 
Act. Nothing in this paragraph may be construed to 
prevent any lender, servicer, regulated lending insti-
tution, Federal agency lender, the Federal National 
Mortgage Association, or the Federal Home Loan 
Mortgage Corporation, at the discretion of such enti-
ty, from requiring the purchase of flood insurance 
coverage in connection with the making, increasing, 
extending, or renewing of a loan secured by im-
proved real estate or a mobile home located or to be 
located in such eligible area during such period or 
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