,i  #aac? ,,congress  #b;d ,session  ,h4
 ,r4 #djga  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,febru>y #ba1 #bjad   
,mr4 ,s*rad] 7= himself & ,mr4 ,m>9o7   
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,f9ancial ,s]vices  ,a 
,,bill  ,to am5d ! ,national ,flood     
,insurance ,act ( #aifh to provide =    
flood insurance policies ) high]        
d$uctibles & l[] rates4  #a4 ,%ort title
 ,?is ,act may be cit$ z ! ,flood       
,insurance ,flexibility ,act ( #bjad4   
#b4 ,optional high-d$uctible policies = 
c]ta9 prop]ties ,section #acjf ( !      
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #djac7 is am5d$ by add+ 
at ! end ! foll[+ new subsection3  7d7  
,optional high-,d$uctible policies  7#a7
 ,option ,! ,adm9i/rator %all make flood
 insurance cov]age available =          
prop]ties1 at ! option ( ! insur$1 hav+ 
premiums & d$uctibles 9 ! am\nts provid$
 "u p>agraph 7#b74  7#b7                
,high-d$uctibles2 risk premium rate     
,flood insurance cov]age made available 

pursuant to ?is subsection = a prop]ty  
%all--  7,a7 h an annual loss-d$uctible 
= damage to ! cov]$ prop]ty 9 an am\nt n
 less ?an #aj1jjj 7z su* am\nt is adju/$
 = inflation to ! ne>e/ #a1jjj by !     
,adm9i/rator1 us+ su* index z !         
,adm9i/rator det]m9es is appropriate71 &
 ! ,adm9i/rator may make cov]age        
available hav+ su* high] loss-d$uctible 
am\nts z ! ,adm9i/rator consid]s        
feasible & appropriate2 &  7,b7 subject 
to any o!r provision ( ?is ,act1 h a    
*>geable risk premium rate t1 z det]m9$ 
by ! ,adm9i/rator1 accurately reflects !
 curr5t risk ( flood to su* prop]ty & ! 
d$uctible "u su* cov]age pursuant to    
subp>agraph 7,a74  4