,i  #aac? ,,congress  #a/ ,session  ,h4 
,r4 #ceaa  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,novemb] #ae1 #bjac   
,mr4 ,capuano 7= himself1 ,ms4 ,wat]s1  
,mr4 ,jones1 ,mr4 ,h9ojosa1 ,mr4 ,lyn*1 
,mr4 ,keat+1 & ,mr4 ,ti]ney7 introduc$ !
 foll[+ bill2 :i* 0 ref]r$ to !         
,committee on ,f9ancial ,s]vices1 & 9   
addition to ! ,committee on ,rules1 = a 
p]iod to be subsequ5tly det]m9$ by !    
,speak]1 9 ea* case = consid]ation ( su*
 provisions z fall )9 ! jurisdiction ( !
 committee conc]n$  ,a ,,bill  ,to delay
 ! implem5tation ( c]ta9 provisions ( ! 
,bigg]t-,wat]s ,flood ,insurance ,re=m  
,act ( #bjab1 & = o!r purposes4  #a4    
,%ort title ,?is ,act may be cit$ z !   
,keep+ ,flood ,insurance ,af=dable ,act 
( #bjac4  #b4 ,def9itions ,z us$ 9 ?is  
,act1 ! foll[+ def9itions %all apply3   
7#a7 ,adju/$ base flood elevation ,=    
purposes ( rat+ a floodpro($ cov]$      
/ructure1 ! t]m adju/$ base flood       
elevation means ! base flood elevation =
 a cov]$ /ructure on ! applicable       

effective flood insurance rate map1 plus
 #a foot4  7#b7 ,adm9i/rator ,! t]m     
,adm9i/rator means ! ,adm9i/rator ( !   
,f$]al ,em]g5cy ,managem5t ,ag5cy4  7#c7
 ,af=dability au?ority bill ,! t]m      
af=dability au?ority bill means a       
non-am5dable bill t if enact$ w\ld only 
grant ! ,adm9i/rator ! au?ority necess>y
 to promulgate regulations 9 accordance 
) ! crit]ia set =? 9 section #c7;d77#b74
  7#d7 ,af=dability /udy ,! t]m         
af=dability /udy means ! /udy requir$ "u
 section #ajjbcf ( ! ,bigg]t-,wat]s     
,flood ,insurance ,re=m ,act ( #bjab    
7,public ,law #aab-ada2 #abf ,/at4      
#ieg74  7#e7 ,applicable flood pla9     
managem5t measures ,! t]m applicable    
flood pla9 managem5t measures means     
flood pla9 managem5t measures adopt$ by 
a community "u section #fj4c7;c7 ( title
 #dd1 ,code ( ,f$]al ,regulations4  7#f7
 ,cov]$ /ructure ,! t]m cov]$ /ructure  
means a resid5tial /ructure--  7,a7 t is
 locat$ 9 a community t has adopt$ flood
 pla9 managem5t measures t are approv$  

by ! ,f$]al ,em]g5cy ,managem5t ,ag5cy &
 t satisfy ! requirem5ts = an exception 
= floodpro($ resid5tial basem5ts "u     
section #fj4f7;c7 ( title #dd1 ,code (  
,f$]al ,regulations2 &  7,b7 t 0 built 9
 compliance ) ! applicable flood pla9   
managem5t measures4  7#g7 ,draft        
af=dability framework ,! t]m draft      
af=dability framework means ! draft     
programmatic & regulatory framework     
requir$ to be prep>$ by ! ,adm9i/rator &
 submitt$ to ,congress "u section #c7;d7
 address+ ! issues ( af=dability ( flood
 insurance sold "u ! ,national ,flood   
,insurance ,program1 includ+ issues     
id5tifi$ 9 ! af=dability /udy4  7#h7    
,floodpro($ elevation ,! t]m floodpro($ 
elevation means ! height ( floodpro(+ on
 a cov]$ /ructure1 z id5tifi$ on !      
,resid5tial ,basem5t ,floodpro(+        
,c]tificate = ! cov]$ /ructure4  7#i7   
,national ,flood ,insurance ,program ,! 
t]m ,national ,flood ,insurance ,program
 means ! program e/abli%$ "u ! ,national
 ,flood ,insurance ,act ( #aifh 7#db    

,u4,s4,c4 #djja et seq474  #c4 ,delay$  
implem5tation ( flood insurance rate    
increases2 draft af=dability framework  
7a7 ,delay$ implem5tation ( flood       
insurance rate increases  7#a7 ,gr&fa!r$
 prop]ties ,beg9n+ on ! date ( enactm5t 
( ?is ,act1 ! ,adm9i/rator may n        
increase risk premium rates = flood     
insurance = any prop]ty locat$ 9 an area
 subject to ! premium adju/m5t requir$  
"u section #acjh7;h7 ( ! ,national      
,flood ,insurance ,act ( #aifh 7#db     
,u4,s4,c4 #djae7;h774  7#b7 ,pre-firm   
prop]ties ,beg9n+ on ! date ( enactm5t (
 ?is ,act1 ! ,adm9i/rator may n r$uce ! 
risk premium rate subsidies = flood     
insurance = any prop]ty--  7,a7 describ$
 "u section #acjg7;g77#a7 ( ! ,national 
,flood ,insurance ,act ( #aifh 7#db     
,u4,s4,c4 #djad7;g77#a772 or  7,b7      
describ$ "u #acjg7;g77#c7 ( ! ,national 
,flood ,insurance ,act ( #aifh 7#db     
,u4,s4,c4 #djad7;g77#c771 provid$ t !   
decision ( ! policy hold] to p]mit a    
lapse 9 flood insurance cov]age 0 z a   

result ( ! prop]ty no long] be+ requir$ 
to reta9 su* cov]age4  7#c7 ,c]ta9      
subsidiz$ rate prop]ties ,beg9n+ on !   
date ( enactm5t ( ?is ,act1 !           
,adm9i/rator may n r$uce ! risk premium 
rate subsidies = flood insurance = any  
prop]ty--  7,a7 describ$ "u section     
#acjg7;a77#b77;,a7 ( ! ,national ,flood 
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djad7;a77#b77;,a77 & ! apprais$ value (
 :i* does n exce$ #a1jjj1jjj1 except t =
 any own] ( su* a non-prim>y resid5ce   
?is subp>agraph %all apply to only "o   
su* prop]ty2 or  7,b7 describ$ "u       
section #acjg7;a77#b77;,d7 ( ! ,national
 ,flood ,insurance ,act ( #aifh 7#db    
,u4,s4,c4 #djad7;a77#b77;,d771 except   
t--  7i7 any s+le bus9ess may insure    
only a s+le prop]ty ) risk premium rate 
subsidies provid$ pursuant to ?is       
subp>agraph2 &  7ii7 not)/&+ section    
#acjf7;b7 7#db ,u4,s4,c4 #djac7;b771 9  
mak+ insurance cov]age available = any  
prop]ty ) risk premium rate subsidies   
provid$ pursuant to ?is subp>agraph1    

cov]age %all be made available ) respect
 to any s+le su* build+ up to an        
aggregate liability ( #a1jjj1jjj1 &     
cov]age %all be made available up to a  
total ( #a1jjj1jjj aggregate liability =
 cont5ts own$ by ! build+ own] &        
#a1jjj1jjj aggregate liability = ea*    
unit )9 ! build+ = cont5ts own$ by !    
t5ant4  7#d7 ,expiration ,! prohibitions
 set =? "u p>agraphs 7#a71 7#b71 & 7#c7 
%all expire #f mon?s aft] ! lat] (--    
7,a7 ! date on :i* ! ,adm9i/rator       
proposes ! draft af=dability framework2 
7,b7 ! date on :i* any regulations      
propos$ pursuant to ! au?ority t !      
,adm9i/rator is grant$ 9 ! af=dability  
au?ority bill1 if su* bill is enact$1   
become f9al2 or  7,c7 ! date on :i* !   
,adm9i/rator c]tifies 9 writ+ to        
,congress t ! ,f$]al ,em]g5cy ,managem5t
 ,ag5cy has implem5t$ a flood mapp+     
approa* t utilizes s\nd sci5tific &     
eng9e]+ me?odologies to det]m9e v>y+    
levels ( flood risk 9 all areas         
p>ticipat+ 9 ! ,national ,flood         

,insurance ,program4  7b7 ,prop]ty sale 
trigg] ,section #acjg7;g77#b7 ( !       
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #djad7;g77#b77 is am5d$ 
to read z foll[s3  7#b7 any prop]ty     
pur*as$ aft] ! expiration ( ! #f-mon?   
p]iod set =? "u section #c7;a77#c7 ( !  
,keep+ ,flood ,insurance ,af=dable ,act 
( #bjac2  4  7c7 ,treatm5t ( ,pre-,,firm
 prop]ties ,beg9n+ on ! date ( enactm5t 
( ?is ,act & end+ ^u ! expiration ( !   
#f-mon? p]iod set =? "u subsection      
7a77#c71 ! ,adm9i/rator %all re/ore !   
risk premium rate subsidies = flood     
insurance e/imat$ "u section            
#acjg7;a77#b7 ( ! ,national ,flood      
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djad7;a77#b77 = any prop]ty describ$ 9 
subp>agraphs 7,a7 & 7,b7 ( subsection   
7a77#b7 ( ?is ,act & 9 section          
#acjg7;g77#b7 ( ! ,national ,flood      
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djad7;g77#b774  7d7 ,draft af=dability 
framework  7#a7 ,9 g5]al ,! ,adm9i/rator
 %all prep>e a draft af=dability        

framework t proposes to address1 via    
programmatic & regulatory *anges1 !     
issues ( af=dability ( flood insurance  
sold "u ! ,national ,flood ,insurance   
,program1 includ+ issues id5tifi$ 9 !   
af=dability /udy4  7#b7 ,crit]ia ,9     
c>ry+ out ! requirem5ts "u p>agraph     
7#a71 ! ,adm9i/rator %all consid] !     
foll[+ crit]ia3  7,a7 ,accurate         
communication to consum]s ( ! flood risk
 associat$ ) _! prop]ty4  7,b7 ,t>get$  
assi/ance to flood insurance policy     
hold]s bas$ on _! f9ancial ability to   
cont9ue to p>ticipate 9 ! ,national     
,flood ,insurance ,program4  7,c7       
,individual or community actions to     
mitigate ! risk ( flood or l[] ! co/ (  
flood insurance4  7,d7 ,! impact (      
increases 9 risk premium rates on       
p>ticipation 9 ! ,national ,flood       
,insurance ,program4  7,e7 ,! impact    
flood insurance rate map updates h on ! 
af=dability ( flood insurance4  7#c7    
,deadl9e = submission ,n lat] ?an #ah   
mon?s aft] ! date on :i* ! ,adm9i/rator 

submits ! af=dability /udy1 !           
,adm9i/rator %all submit to ! full      
,committee on ,bank+1 ,h\s+1 & ,urban   
,affairs & ! full ,committee on         
,appropriations ( ! ,s5ate & ! full     
,committee on ,f9ancial ,s]vices & !    
full ,committee on ,appropriations ( !  
,h\se ( ,repres5tatives ! draft         
af=dability framework4  7e7             
,congressional consid]ation ( ,,fema    
af=dability au?orities  7#a7 ,no ref]ral
 ,^u introduction 9 ei!r ,h\se (        
,congress1 an af=dability au?ority bill 
%all n be ref]r$ to a committee & %all  
imm$iately be plac$ on ! cal5d>4  7#b7  
,consid]ation 9 ! ,h\se (               
,repres5tatives  7,a7 ,proce$+ to       
consid]ation ,x %all be 9 ord] to move  
to proce$ to consid] ! af=dability      
au?ority bill 9 ! ,h\se4 ,all po9ts (   
ord] aga9/ ! motion are waiv$4 ,su* a   
motion %all n be 9 ord] aft] ! ,h\se has
 dispos$ ( a motion to proce$ ) respect 
to ! af=dability au?ority bill4 ,!      
previ\s "q %all be consid]$ z ord]$ on !

 motion to its adoption )\t int]v5+     
motion4 ,! motion %all n be debatable4  
,a motion to reconsid] ! vote by :i* !  
motion is dispos$ ( %all n be 9 ord]4   
7,b7 ,consid]ation ,! af=dability       
au?ority bill %all be consid]$ z read4  
,all po9ts ( ord] aga9/ ! af=dability   
au?ority bill & aga9/ its consid]ation  
are waiv$4 ,! previ\s "q %all be        
consid]$ z ord]$ on ! af=dability       
au?ority bill to its passage )\t int]v5+
 motion except #aj h\rs ( debate equally
 divid$ & controll$ by ! propon5t & an  
oppon5t4 ,a motion to reconsid] ! vote  
on passage ( ! af=dability au?ority bill
 %all n be 9 ord]4  7#c7 ,consid]ation 9
 ! ,s5ate  7,a7 ,placem5t on ! cal5d>   
,^u introduction 9 ! ,s5ate1 an         
af=dability au?ority bill %all be       
imm$iately plac$ on ! cal5d>4  7,b7     
,floor consid]ation ,not)/&+ ,rule      
,,xxii ( ! ,/&+ ,rules ( ! ,s5ate1 x is 
9 ord]1 at any "t beg9n+ on ! day aft] !
 #f? day aft] ! date ( introduction ( an
 af=dability au?ority bill 7ev5 if a    

previ\s motion to ! same effect has be5 
disagre$ to7 to move to proce$ to !     
consid]ation ( ! af=dability au?ority   
bill & all po9ts ( ord] aga9/           
consid]ation ( ! af=dability au?ority   
bill are waiv$4 ,! motion to proce$ is n
 debatable4 ,! motion is n subject to a 
motion to po/pone4 ,a motion to         
reconsid] ! vote by :i* ! motion is     
agre$ to or disagre$ to %all n be 9     
ord]4 ,if a motion to proce$ to !       
consid]ation ( ! af=dability au?ority   
bill is agre$ to1 ! af=dability au?ority
 bill %all rema9 ! unf9i%$ bus9ess until
 dispos$ (4  7,c7 ,consid]ation ,all    
po9ts ( ord] aga9/ ! af=dability        
au?ority bill are waiv$4 ,consid]ation (
 ! af=dability au?ority bill & ( all    
debatable motions & appeals 9 connection
 !re) %all be limit$ to n m ?an #aj h\rs
 :i* %all be divid$ equally betwe5 !    
majority & m9ority lead]s or _!         
designees4 ,a motion fur!r to limit     
debate on ! af=dability au?ority bill is
 9 ord]1 & is n debatable4  7,d7 ,no    

am5dm5ts ,an am5dm5t to ! af=dability   
au?ority bill1 or a motion to po/pone1  
or a motion to proce$ to ! consid]ation 
( o!r bus9ess1 or a motion to commit or 
recommit ! af=dability au?ority bill1 is
 n 9 ord]4  7,e7 ,vote on passage ,if ! 
,s5ate has vot$ to proce$ to !          
af=dability au?ority bill1 ! vote on    
passage ( ! af=dability au?ority bill   
%all occur imm$iately foll[+ !          
conclusion ( consid]ation ( !           
af=dability au?ority bill1 & a s+le     
quorum call at ! conclusion ( ! debate  
if reque/$ 9 accordance ) ! rules ( !   
,s5ate4  7#d7 ,am5dm5t ,! af=dability   
au?ority bill %all n be subject to      
am5dm5t 9 ei!r ! ,h\se ( ,repres5tatives
 or ! ,s5ate4  7#e7 ,consid]ation by !  
o!r ,h\se  7,a7 ,9 g5]al ,if1 be=e pass+
 ! af=dability au?ority bill1 "o ,h\se  
receives f ! o!r an af=dability au?ority
 bill--  7i7 ! af=dability au?ority bill
 ( ! o!r ,h\se %all n be ref]r$ to a    
committee2 &  7ii7 ! proc$ure 9 !       
receiv+ ,h\se %all be ! same z if no    

af=dability au?ority bill _h be5 receiv$
 f ! o!r ,h\se except t ! vote on       
passage %all be on ! af=dability        
au?ority bill ( ! o!r ,h\se4  7,b7      
,rev5ue measure ,?is subsection %all n  
apply to ! ,h\se ( ,repres5tatives if ! 
af=dability au?ority bill receiv$ f !   
,s5ate is a rev5ue measure4  7#f7       
,coord9ation ) action by o!r h\se  7,a7 
,treatm5t ( af=dability au?ority bill ( 
o!r h\se ,if ! ,s5ate fails to introduce
 or consid] a af=dability au?ority bill 
"u ?is section1 ! af=dability au?ority  
bill ( ! ,h\se %all be entitl$ to       
exp$it$ floor proc$ures "u ?is section4 
7,b7 ,treatm5t ( companion measures 9 ! 
s5ate ,if foll[+ passage ( ! af=dability
 au?ority bill 9 ! ,s5ate1 ! ,s5ate !n  
receives ! af=dability au?ority bill f !
 ,h\se ( ,repres5tatives1 ! ,h\se-pass$ 
af=dability au?ority bill %all n be     
debatable4  7,c7 ,vetoes ,if ! ,presid5t
 vetoes ! af=dability au?ority bill1    
debate on a veto message 9 ! ,s5ate "u  
?is section %all be #a h\r equally      

divid$ betwe5 ! majority & m9ority      
lead]s or _! designees4  7#g7 ,rules ( !
 ,h\se ( ,repres5tatives & ,s5ate ,?is  
subsection is enact$ by ,congress--     
7,a7 z an ex]cise ( ! rulemak+ p[] ( !  
,s5ate & ! ,h\se ( ,repres5tatives1     
respectively1 & z su* x is deem$ a "p ( 
! rules ( ea* ,h\se1 respectively1 b    
applicable only ) respect to ! proc$ure 
to be foll[$ 9 t ,h\se 9 ! case ( an    
af=dability au?ority bill1 & x sup]s$es 
o!r rules only to ! ext5t t x is        
inconsi/5t ) su* rules2 &  7,b7 ) full  
recognition ( ! con/itutional "r ( ei!r 
,h\se to *ange its rules at any "t1 9 ! 
same mann]1 & to ! same ext5t z 9 ! case
 ( any o!r rule ( t ,h\se4  7f7         
,int]ag5cy agreem5ts ,! ,adm9i/rator may
 ent] into an agreem5t ) ano!r ,f$]al   
ag5cy to--  7#a7 complete ! af=dability 
/udy2 or  7#b7 prep>e ! draft           
af=dability framework4  7g7 ,cle>       
communications ,! ,adm9i/rator %all     
cle>ly communicate full flood risk      
det]m9ations to individual prop]ty own]s

 reg>dless ( :e!r _! premium rates are  
full actu>ial rates4  7h7 ,rule (       
con/ruction ,no?+ 9 ?is section %all be 
con/ru$ to provide ! ,adm9i/rator ) !   
au?ority to provide assi/ance to        
home[n]s bas$ on af=dability t 0 n      
available prior to ! enactm5t ( !       
,bigg]t-,wat]s ,flood ,insurance ,re=m  
,act ( #bjab 7,public ,law #aab-ada2    
#abf ,/at4 #iaf74  #d4 ,af=dability /udy
 & report ,not)/&+ ! deadl9e "u section 
#ajjbcf7;c7 ( ! ,bigg]t-,wat]s ,flood   
,insurance ,re=m ,act ( #bjab 7,public  
,law #aab-ada2 #abf ,/at4 #ieg71 n lat] 
?an #b ye>s aft] ! date ( enactm5t ( ?is
 ,act1 ! ,adm9i/rator %all submit to !  
full ,committee on ,bank+1 ,h\s+1 &     
,urban ,affairs & ! full ,committee on  
,appropriations ( ! ,s5ate & ! full     
,committee on ,f9ancial ,s]vices & !    
full ,committee on ,appropriations ( !  
,h\se ( ,repres5tatives ! af=dability   
/udy & report requir$ "u su* section4   
#e4 ,af=dability /udy fund+ ,section    
#ajjbcf7;d7 ( ! ,bigg]t-,wat]s ,flood   

,insurance ,re=m ,act ( #bjab 7,public  
,law #aab-ada2 #abf ,/at4 #ieg7 is am5d$
 by /rik+ n m ?an #gej1jjj & ins]t+ su* 
am\nts z may be necess>y4  #f4 ,funds to
 reimburse home[n]s = successful map    
appeals  7a7 ,9 g5]al ,section #acfc7;f7
 ( ! ,national ,flood ,insurance ,act ( 
#aifh 7#db ,u4,s4,c4 #dajd7;f77 is am5d$
 by /rik+ ! second s5t5ce & ins]t+ !    
foll[+3 ,! ,adm9i/rator may use su*     
am\nts f ! ,national ,flood ,insurance  
,fund e/abli%$ "u section #acaj z may be
 necess>y to c>ry out ?is subsection44  
7b7 ,con=m+ am5dm5t ,section #acaj7;a7 (
 ! ,national ,flood ,insurance ,act (   
#aifh 7#db ,u4,s4,c4 #djag7;a77 is      
am5d$--  7#a7 9 p>agraph 7#f71 by /rik+ 
& at ! end2  7#b7 9 p>agraph 7#g71 by   
/rik+ ! p]iod at ! end & ins]t+ 2 &2 &  
7#c7 by add+ at ! end ! foll[+3  7#h7 = 
c>ry+ out section #acfc7;f74  4  #g4    
,flood protection sy/ems  7a7 ,adequate 
progress on con/ruction ( flood         
protection sy/ems ,section #acjg7;e7 ( !
 ,national ,flood ,insurance ,act (     

#aifh 7#db ,u4,s4,c4 #djad7;e77 is      
am5d$--  7#a7 9 ! fir/ s5t5ce1 by ins]t+
 or recon/ruction aft] con/ruction2     
7#b7 by am5d+ ! second s5t5ce to read z 
foll[s3 ,! ,adm9i/rator %all f9d t      
adequate progress on ! con/ruction or   
recon/ruction ( a flood protection      
sy/em1 bas$ on ! pres5t value ( !       
complet$ flood protection sy/em1 has be5
 made only if 7#a7 #ajj p]c5t ( ! co/ ( 
! sy/em has be5 au?oriz$1 7#b7 at lea/  
#fj p]c5t ( ! co/ ( ! sy/em has be5     
appropriat$1 7#c7 at lea/ #ej p]c5t ( ! 
co/ ( ! sy/em has be5 exp5d$1 & 7#d7 !  
sy/em is at lea/ #ej p]c5t complet$42 & 
7#c7 by add+ at ! end ! foll[+3 ,not)/&+
 any o!r provision ( law1 9 det]m9+ :e!r
 a community has made adequate progress 
on ! con/ruction1 recon/ruction1 or     
improvem5t ( a flood protection sy/em1 !
 ,adm9i/rator %all consid] all s\rces ( 
fund+1 includ+ ,f$]al1 ,/ate1 & local   
funds44  7b7 ,communities re/or+        
disaccr$it$ flood protection sy/ems     
,section #acjg7;f7 ( ! ,national ,flood 

,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djad7;f77 is am5d$ by am5d+ ! fir/     
s5t5ce to read z foll[s3 ,not)/&+ any   
o!r provision ( law1 ?is subsection %all
 apply to riv]9e & coa/al levees t are  
locat$ 9 a community :i* has be5 det]m9$
 by ! ,adm9i/rator ( ! ,f$]al ,em]g5cy  
,managem5t ,ag5cy to be 9 ! process (   
re/or+ flood protection af=d$ by a flood
 protection sy/em t _h be5 previ\sly    
accr$it$ on a ,flood ,insurance ,rate   
,map z provid+ #ajj-ye> frequ5cy flood  
protection b no long] does s1 & %all    
apply )\t reg>d to ! level ( ,f$]al     
fund+ ( or p>ticipation 9 ! con/ruction1
 recon/ruction1 or improvem5t ( ! flood 
protection sy/em44  #h4 ,treatm5t (     
floodpro($ resid5tial basem5ts ,not)/&+ 
! ,bigg]t-,wat]s ,flood ,insurance ,re=m
 ,act ( #bjab 7,public ,law #aab-ada2   
#abf ,/at4 #iaf71 ! am5dm5ts made by t  
,act1 or any o!r provision ( law1 !     
,adm9i/rator %all rate a cov]$ /ructure 
us+ ! elevation diff]5ce betwe5 !       
floodpro($ elevation ( ! cov]$ /ructure 

& ! adju/$ base flood elevation ( !     
cov]$ /ructure4  #i4 ,designation (     
flood insurance advocate  7a7 ,9 g5]al  
,! ,adm9i/rator %all designate a ,flood 
,insurance ,advocate to advocate = !    
fair treatm5t ( policy hold]s "u !      
,national ,flood ,insurance ,program &  
prop]ty own]s 9 ! mapp+ ( flood haz>ds1 
! id5tification ( risks f flood1 & !    
implem5tation ( measures to m9imize !   
risk ( flood4  7b7 ,duties &            
responsibilities ,! duties &            
responsibilities ( ! ,flood ,insurance  
,advocate designat$ "u subsection 7a7   
%all be to--  7#a7 educate prop]ty own]s
 & policyhold]s "u ! ,national ,flood   
,insurance ,program on--  7,a7          
individual flood risks2  7,b7 flood     
mitigation2  7,c7 measures to r$uce     
flood insurance rates ?r\gh effective   
mitigation2 &  7,d7 ! flood insurance   
rate map review & am5dm5t process2  7#b7
 assi/ policy hold]s "u ! ,national     
,flood ,insurance ,program & prop]ty    
own]s to und]/& ! proc$ural requirem5ts 

relat$ to appeal+ prelim9>y flood       
insurance rate maps & implem5t+ measures
 to mitigate evolv+ flood risks2  7#c7  
assi/ 9 ! developm5t ( regional capacity
 to respond to individual con/itu5t     
conc]ns ab\t flood insurance rate map   
am5dm5ts & revisions2  7#d7 coord9ate   
outrea* & education ) local (ficials &  
community lead]s 9 areas impact$ by     
propos$ flood insurance rate map        
am5dm5ts & revisions2 &  7#e7 aid       
pot5tial policy hold]s "u ! ,national   
,flood ,insurance ,program 9 obta9+ &   
v]ify+ accurate & reliable flood        
insurance rate in=mation :5 pur*as+ or  
r5ew+ a flood insurance policy4  7c7    
,au?orization ( appropriations ,!re are 
au?oriz$ to be appropriat$ = ea* fiscal 
ye> su* sums z may be necess>y to c>ry  
out ! duties & responsibilities ( !     
,flood ,insurance ,advocate4