,,ii  #aac? ,,congress  #a/ ,session    
,s4 #iif  ,,9 ,,! ,,s5ate ,,( ,,!       
,,unit$ ,,/ates  ,may #ba1 #bjac ,ms4   
,l&rieu introduc$ ! foll[+ bill2 :i* 0  
read twice & ref]r$ to ! ,committee on  
,bank+1 ,h\s+1 & ,urban ,affairs  ,a    
,,bill  ,to improve ! ,national ,flood  
,insurance ,program1 & = o!r purposes4  
#a4 ,def9ition ,9 ?is ,act1 ! t]m       
,adm9i/rator means ! ,adm9i/rator ( !   
,f$]al ,em]g5cy ,managem5t ,ag5cy4  #b4 
,ma9ta9+ risk premium rates = prop]ties 
pur*as$ aft] ! date ( enactm5t ( !      
,bigg]t-,wat]s ,flood ,insurance ,re=m  
,act ( #bjab  7a7 ,9 g5]al ,section     
#acjg7;g7 ( ! ,national ,flood          
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djad7;g77 is am5d$--  7#a7 by /rik+    
p>agraph 7#b72 &  7#b7 by r$esignat+    
p>agraphs 7#c7 & 7#d7 z p>agraphs 7#b7 &
 7#c71 respectively4  7b7 ,effective    
date ,subsection 7a7 %all take effect z 
if enact$ on ! date ( enactm5t ( !      
,bigg]t-,wat]s ,flood ,insurance ,re=m  
,act ( #bjab 7,public ,law #aab-ada2    

#abf ,/at4 #iaf74  #c4 ,delay 9 flood   
insurance rate *anges  7a7 ,9 g5]al ,any
 *ange 9 risk premium rates = flood     
insurance "u ! ,national ,flood         
,insurance ,program "u ! am5dm5ts made  
by sections #ajjbje & #ajjbjg ( !       
,bigg]t-,wat]s ,flood ,insurance ,re=m  
,act ( #bjab 7,public ,law #aab-ada2    
#abf ,/at4 #iag7 to sections #acjg &    
#acjh ( ! ,national ,flood ,insurance   
,act ( #aifh 7#db ,u4,s4,c4 #djad &     
#djae7 %all n take effect until--  7#a7 
! date t is #ahj days aft] ! date on :i*
 ! ,adm9i/rator submits ! report on     
af=dability "u section #ajjbcf7;c7 ( !  
,bigg]t-,wat]s ,flood ,insurance ,re=m  
,act ( #bjab2 or  7#b7 if ! ,adm9i/rator
 det]m9es t ! report on af=dability     
requir$ "u section #ajjbcf7;c7 ( !      
,bigg]t-,wat]s ,flood ,insurance ,re=m  
,act ( #bjab _c be submitt$ by ! date   
specifi$ "u su* section #ajjbcf7;c71 !  
date t is #ahj days aft] ! date on :i* !
 ,adm9i/rator submits ! in=mation "u    
section #ajjbcf7;e77#b7 ( su* ,act1 z   

add$ by section #f ( ?is ,act4  7b7     
,effective date ,subsection 7a7 %all    
take effect z if enact$ z "p ( !        
,bigg]t-,wat]s ,flood ,insurance ,re=m  
,act ( #bjab4  #d4 ,/udies ( volunt>y   
community-bas$ flood insurance options  
7a7 ,/udy  7#a7 ,/udy requir$ ,!        
,adm9i/rator %all conduct a /udy to     
assess options1 me?ods1 & /rategies =   
mak+ available volunt>y community-bas$  
flood insurance policies ?r\gh !        
,national ,flood ,insurance ,program4   
7#b7 ,consid]ations ,! /udy conduct$ "u 
p>agraph 7#a7 %all--  7,a7 take into    
consid]ation & analyze h[ volunt>y      
community-bas$ flood insurance          
policies--  7i7 w\ld affect communities 
hav+ v>y+ economic bases1 geographic    
locations1 flood haz>d *>act]i/ics or   
classifications1 & flood managem5t      
approa*es2 &  7ii7 c\ld satisfy !       
applicable requirem5ts "u section #ajb (
 ! ,flood ,disa/] ,protection ,act (    
#aigc 7#db ,u4,s4,c4 #djab;a72 &  7,b7  
evaluate ! advisability ( mak+ available

 volunt>y community-bas$ flood insurance
 policies to communities1 subdivisions (
 communities1 & areas ( residual risk4  
7#c7 ,consultation ,9 conduct+ ! /udy   
requir$ "u p>agraph 7#a71 ! ,adm9i/rator
 may consult ) ! ,comptroll] ,g5]al ( ! 
,unit$ ,/ates1 z ! ,adm9i/rator det]m9es
 is appropriate4  7b7 ,report by !      
,adm9i/rator  7#a7 ,report requir$ ,n   
lat] ?an #ah mon?s aft] ! date (        
enactm5t ( ?is ,act1 ! ,adm9i/rator %all
 submit to ! ,committee on ,bank+1      
,h\s+1 & ,urban ,affairs ( ! ,s5ate & ! 
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives a report t      
conta9s ! results & conclusions ( ! /udy
 conduct$ "u subsection 7a74  7#b7      
,cont5ts ,! report submitt$ "u p>agraph 
7#a7 %all include recomm5dations =--    
7,a7 ! be/ mann] to incorporate volunt>y
 community-bas$ flood insurance policies
 into ! ,national ,flood ,insurance     
,program2 &  7,b7 a /rategy to implem5t 
volunt>y community-bas$ flood insurance 
policies t w\ld enc\rage communities to 

und]take flood mitigation activities1   
includ+ ! con/ruction1 recon/ruction1 or
 improvem5t ( levees1 dams1 or o!r flood
 control /ructures4  7c7 ,report by     
,comptroll] ,g5]al ,n lat] ?an #f mon?s 
aft] ! date on :i* ! ,adm9i/rator       
submits ! report requir$ "u subsection  
7b71 ! ,comptroll] ,g5]al ( ! ,unit$    
,/ates %all--  7#a7 review ! report     
submitt$ by ! ,adm9i/rator2 &  7#b7     
submit to ! ,committee on ,bank+1 ,h\s+1
 & ,urban ,affairs ( ! ,s5ate & !       
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives a report t      
conta9s--  7,a7 an analysis ( ! report  
submitt$ by ! ,adm9i/rator2  7,b7 any   
comm5ts or recomm5dations ( !           
,comptroll] ,g5]al relat+ to ! report   
submitt$ by ! ,adm9i/rator2 &  7,c7 any 
o!r recomm5dations ( ! ,comptroll]      
,g5]al relat+ to community-bas$ flood   
insurance policies4  #e4 ,am5dm5ts to   
,national ,flood ,insurance ,act ( #aifh
  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$ by ins]t+ aft] !    
second s5t5ce ! 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 n consid] ! level (  
,f$]al fund+ ( or p>ticipation 9 !      
con/ruction1 recon/ruction1 or          
improvem5t44  7b7 ,communities re/or+   
disaccr$it$ flood protection sy/ems     
,section #acjg7;f7 ( ! ,national ,flood 
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djad7;f77 is am5d$ 9 ! fir/ s5t5ce by  
/rik+ no long] does s4 & ins]t+ !       
foll[+3 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  #f4 ,af=dability    
/udy ,section #ajjbcf ( ! ,bigg]t-,wat]s
 ,flood ,insurance ,re=m ,act ( #bjab   
7,public ,law #aab-ada2 #abf ,/at4 #ieg7

 is am5d$--  7#a7 9 subsection 7c71 by  
/rik+ ,n & ins]t+ ! foll[+3 ,subject to 
subsection 7e71 n2  7#b7 9 subsection   
7d7--  7,a7 by /rik+ ,not)/&+ & ins]t+ !
 foll[+3  7#a7 ,national ,flood         
,insurance ,fund ,not)/&+  2 &  7,b7 by 
add+ at ! end ! foll[+3  7#b7 ,o!r fund+
 s\rces ,to c>ry out ?is section1 9     
addition to ! am\nt made available "u   
p>agraph 7#a71 ! ,adm9i/rator may use   
any o!r am\nts t are available to !     
,adm9i/rator4  2 &  7#c7 by add+ at !   
end ! foll[+3  7e7 ,alt]native ,if !    
,adm9i/rator det]m9es t ! report requir$
 "u subsection 7c7 _c be submitt$ by !  
date specifi$ "u subsection 7c7--  7#a7 
! ,adm9i/rator %all notify1 n lat] ?an  
#fj days aft] ! date ( enactm5t ( ?is   
subsection1 ! ,committee on ,bank+1     
,h\s+1 & ,urban ,affairs ( ! ,s5ate & ! 
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives ( an alt]native 
me?od ( ga!r+ ! in=mation requir$ "u ?is
 section2  7#b7 ! ,adm9i/rator %all     
submit1 n lat] ?an #ahj days aft] !     

,adm9i/rator submits ! notification     
requir$ "u p>agraph 7#a71 to !          
,committee on ,bank+1 ,h\s+1 & ,urban   
,affairs ( ! ,s5ate & ! ,committee on   
,f9ancial ,s]vices ( ! ,h\se (          
,repres5tatives ! in=mation ga!r$ us+ ! 
alt]native me?od describ$ 9 p>agraph    
7#a72 &  7#c7 ^u ! submission (         
in=mation requir$ "u p>agraph 7#b71 !   
requirem5t "u subsection 7c7 %all be    
deem$ satisfi$4  4  #g4 ,facilities 9   
coa/al high haz>d areas  7a7 ,def9itions
 ,9 ?is section--  7#a7 ! t]m coa/al    
high haz>d area has ! same mean+ z 9    
section #i4d ( title #dd1 ,code ( ,f$]al
 ,regulations1 or any successor !reto2  
7#b7 ! t]m eligible entity means an     
entity t receives a contribution "u     
section #djf ( ! ,rob]t ,t4 ,/af=d      
,disa/] ,relief & ,em]g5cy ,assi/ance   
,act 7#db ,u4,s4,c4 #eagb72  7#c7 ! t]m 
ess5tial to a community's recov]y means1
 ) respect to a /ructure or facility1 t 
! /ructure or facility is associat$ ) ! 
basic functions ( a local gov]nm5t1     

includ+ public heal? & safety1          
education1 law en=cem5t1 fire           
protection1 & o!r critical gov]nm5t     
op]ations2 &  7#d7 ! t]m major disa/]   
means a major disa/] decl>$ by !        
,presid5t "u section #dja ( ! ,rob]t ,t4
 ,/af=d ,disa/] ,relief & ,em]g5cy      
,assi/ance ,act 7#db ,u4,s4,c4 #eagj74  
7b7 ,regulations  7#a7 ,sub/antial      
improvem5ts ,not)/&+ section #i4d (     
title #dd1 ,code ( ,f$]al ,regulations1 
an action relat+ to a /ructure or       
facility locat$ 9 a coa/al high haz>d   
area = :i* an eligible entity receiv$ a 
contribution "u section #djf ( ! ,rob]t 
,t4 ,/af=d ,disa/] ,relief & ,em]g5cy   
,assi/ance ,act 7#db ,u4,s4,c4 #eagb7   
%all be deem$ to be a sub/antial        
improvem5t = purposes ( "p #i ( title   
#dd1 ,code ( ,f$]al ,regulations1 if--  
7,a7 ! action involves ! replacem5t ( a 
/ructure or facility t--  7i7 0 locat$ 9
 ! coa/al high haz>d area be=e ! incid5t
 t caus$ ! /ructure or facility to be   
totally de/roy$2 &  7ii7 is ess5tial to 

a community's recov]y f a major disa/]2 
7,b7 !re is no practicable alt]native to
 locat+ a replacem5t /ructure or        
facility 9 ! coa/al high haz>d area2    
7,c7 ! replacem5t /ructure or facility  
con=ms to ! mo/ rec5t ,flood ,resi/ant  
,design & ,con/ruction /&>d issu$ by !  
,am]ican ,society ( ,civil ,eng9e]s1 or 
any m /r+5t /&>d approv$ by !           
,adm9i/rator2 &  7,d7 ! eligible entity 
develops evacuation & em]g5cy response  
proc$ures to r$uce ! risk ( loss ( human
 life & op]ational disruption f a flood4
  7#b7 ,relocation  7,a7 ,relocation    
requir$ ,! am5dm5ts "u p>agraph 7#a7    
%all provide t if ! ,adm9i/rator        
det]m9es t !re is a practicable         
alt]native to ! orig9al site ( a        
/ructure or facility describ$ 9 p>agraph
 7#a7 t is outside ! coa/al high haz>d  
area & t provides bett] protection aga9/
 ! flood haz>d or o!r haz>ds associat$ )
 coa/al high haz>d areas1 ! replacem5t  
/ructure or facility %all be relocat$ to
 ! alt]native site4  7,b7 ,relocation   

,if a replacem5t /ructure or facility is
 relocat$ "u subp>agraph 7,a71 ! orig9al
 site = ! de/roy$ /ructure or facility  
%all be de$ re/rict$ 9 con=mance ) "p   
#hj ( title #dd1 ,code ( ,f$]al         
,regulations4  7,c7 ,no relocation ,if a
 replacem5t /ructure or facility is     
rebuilt at ! same location1 ! eligible  
entity %all set aside an alt]native     
p>cel ( l& 9 ! coa/al high haz>d area ( 
equal or great] size1 to be de$ re/rict$
 9 con=mance ) "p #hj ( title #dd1 ,code
 ( ,f$]al ,regulations1 t ! ,adm9i/rator
 det]m9es--  7i7 provides bett]         
protection aga9/ floods2 or  7ii7       
promotes ! re/oration ( natural &       
b5eficial functions ( coa/al floodpla9s1
 includ+ protection to endang]$ species1
 critical habitat1 wetl&s1 or coa/al    
uses4  7#c7 ,applicability ,?is section 
%all apply ) respect to any major disa/]
 decl>$ on or aft] ! date ( enactm5t (  
?is ,act4