,i #aad? ,,congress #a/ ,session ,h4 ,r4 #cbig ,,9 ,,! ,,h\se ,,( ,,repres5tatives ,july #bi1 #bjae ,mr4 ,griffi? introduc$ ! foll[+ bill2 :i* 0 ref]r$ to ! ,committee on ,f9ancial ,s]vices ,a ,,bill ,to re=m ! ,national ,flood ,insurance ,program1 & = o!r purposes4 #a4 ,%ort title ,?is ,act may be cit$ z ! ,fairness 9 ,flood ,insurance ,act ( #bjae4 #b4 ,appeals ( project$ special flood haz>d areas 7a7 ,burd5 ( ,pro( 7#a7 ,appeals to ,,fema ,section #acfc ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #dajd7 is am5d$ by add+ at ! end ! foll[+ new subsection3 7h7 ,burd5 ( pro( ,9 any appeal to ! ,adm9i/rator1 or any judicial review ( a f9al adm9i/rative det]m9ation1 reg>d+ ! designation ( flood elevation det]m9ations or ! id5tification ( special flood haz>d areas1 ! ,adm9i/rator %all h ! burd5 ( prov+1 by cle> & conv9c+ evid5ce1 t ! elevations propos$ by ! ,adm9i/rator or ! designation ( an id5tifi$ special flood haz>d area1 z ! case may be1 is sci5tifically & te*nically correct4 4 7#b7 ,det]m9ations by sci5tific resolution panel ,subsection 7c7 ( section #acfc;,a ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #dajd-a7;c77 is am5d$-- 7,a7 by r$esignat+ p>agraphs 7#c7 & 7#d7 z p>agraphs 7#d7 & 7#e71 respectively2 & 7,b7 by ins]t+ aft] p>agraph 7#b7 ! foll[+ new p>agraph3 7#c7 ,burd5 ( pro( ,! ,sci5tific ,resolution ,panel may n resolve a dispute submitt$ "u ?is section 9 favor ( ! ,adm9i/rator unless ! ,panel det]m9es1 by cle> & conv9c+ evid5ce1 t ! data & det]m9ations ( ! ,adm9i/rator involv$ 9 ! dispute are sci5tifically & te*nically correct4 4 7b7 ,deadl9e = appeals 7#a7 ,9 g5]al ,section #acfc ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #dajd7 is am5d$-- 7,a7 9 subsection 7b71 by /rik+ n9ety-day & ins]t+ #f-mon?2 & 7,b7 9 subsections 7c7 & 7d71 by /rik+ n9ety days ea* place su* t]m appe>s & ins]t+ #f mon?s4 7#b7 ,applicability ,! am5dm5t made by p>agraph 7#a7 %all apply ) respect to second newspap] publications ( notifications ( ! ,adm9i/rator ( ! ,f$]al ,em]g5cy ,managem5t ,ag5cy ref]r$ to 9 section #acfc7;b7 ( ! ,national ,flood ,insurance ,act ( #aifh t occur aft] ! date ( ! enactm5t ( ?is ,act4 7c7 ,reimbursem5t = co/s ( appeal 7#a7 ,applicability2 implem5tation ,subsection 7f7 ( section #acfc ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #dajd7;f77 is am5d$-- 7,a7 by /rik+ ! fir/ s5t5ce & ins]t+ ! foll[+3 ,:51 incid5t to any appeal t is successful1 9 :ole or "p1 reg>d+ ! designation ( any aspect ( a flood map1 includ+ elevation or designation ( a special flood haz>d area1 ! community1 own]1 or lessee ( real prop]ty1 z ! case may be1 incurs exp5se 9 connection ) ! appeal1 includ+ = legal s]vices & s]vices provid$ by surveyors1 eng9e]s1 & sci5tific exp]ts1 ! ,adm9i/rator %all reimburse su* individual or community = reasonable exp5ses to an ext5t measur$ by ! ratio ( ! successful portion ( ! appeal z comp>$ to ! entire appeal4 ,any successful appeal %all be entitl$ to su* reimbursem5t & reimbursem5t %all n be cont+5t ^u fil+ )9 ! #f-mon? p]iods ref]r$ to 9 subsections 7c7 & 7d74 2 & 7,b7 by /rik+ ! la/ s5t5ce & ins]t+ ! foll[+3 ,! ,adm9i/rator %all issue guidance to implem5t ?is subsection1 :i* %all n be subject to ! notice & comm5t requirem5ts "u section #eec ( title #e1 ,unit$ ,/ates ,code44 7#b7 ,deadl9e ,! ,adm9i/rator ( ! ,f$]al ,em]g5cy ,managem5t ,ag5cy %all issue ! guidance ref]r$ to 9 ! la/ s5t5ce ( section #acfc ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #dajd7;f771 z am5d$ by p>agraph 7#a77;,b7 ( ?is subsection1 n lat] ?an ! expiration ( ! #f-mon? p]iod beg9n+ on ! date ( ! enactm5t ( ?is ,act4 #c4 ,revisions ( exi/+ flood insurance maps2 appeals 7a7 ,updat+ ( maps ,subsection 7f7 ( section #acfj ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #daja7;f77 is am5d$ to read z foll[s3 7f7 ,updat+ ( flood maps 7#a7 ,^u necessity or reque/ ,! ,adm9i/rator %all revise & update any floodpla9 areas & flood-risk zones-- 7,a7 ^u ! det]m9ation ( ! ,adm9i/rator1 accord+ to ! assessm5t "u subsection 7e7 ( ?is section1 t revision & updat+ are necess>y = ! areas & zones2 7,b7 ^u ! reque/ f any ,/ate or local gov]nm5t /at+ t specific floodpla9 areas or flood-risk zones 9 ! ,/ate or locality ne$ revision or updat+1 if suffici5t te*nical data ju/ify+ ! reque/ is submitt$2 or 7,c7 ^u ! reque/ f any own] or lessee ( real prop]ty locat$ 9 a floodpla9 area or flood-risk zone if suffici5t te*nical data ju/ify+ ! reque/ is submitt$4 7#b7 ,reque/ by ,/ate or local gov]nm5t ,:5 ! ,adm9i/rator revises & updates any floodpla9 area or flood-risk zone pursuant to a reque/ f any ,/ate or local gov]nm5t1 ! ,adm9i/rator %all provide to t ,/ate or local gov]nm5t a ,lett] ( ,map ,revision1 ,lett] ( ,map ,revision ,bas$ on ,fill1 or physical map revision1 z appropriate1 t includes a description ( any revisions or modifications to su* floodpla9 area or flood-risk zone4 7#c7 ,reque/ by own] or lessee ,:5 ! ,adm9i/rator revises & updates any floodpla9 area or flood-risk zone pursuant to a reque/ f any own] or lessee ( real prop]ty1 ! ,adm9i/rator %all provide to t own] ( lessee a ,lett] ( ,map ,am5dm5t1 ,lett] ( ,map ,am5dm5t ,bas$ on ,fill1 ,lett] ( ,map ,revision1 or ,lett] ( ,map ,revision ,bas$ on ,fill1 z appropriate1 t includes a description ( any revisions or modifications to su* floodpla9 area or flood-risk zone4 7#d7 ,revision ( flood maps ,any updates ( flood maps1 notifications ( flood map *anges1 & comp5dia ( flood map *anges requir$ by ?is section %all reflect any *anges made pursuant to p>agraphs 7#b7 & 7#c7 occurr+ s9ce ! mo/ rec5t su* update1 notification1 or comp5dia1 respectively4 4 #d4 ,appeals reg>d+ exi/+ flood maps 7a7 ,9 g5]al ,section #acfj ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #daja7 is am5d$ by add+ at ! end ! foll[+ new subsection3 7k7 ,appeals ( exi/+ maps 7#a7 ,"r to appeal ,a ,/ate or local gov]nm5t1 or ! own] or lessee ( real prop]ty1 :o has made a =mal reque/ to ! ,adm9i/rator to update a flood map t ! ,adm9i/rator has d5i$ may at any "t appeal su* a d5ial z provid$ 9 ?is subsection4 7#b7 ,basis = appeal ,! basis = appeal "u ?is subsection %all be ! possession ( k or in=mation t-- 7,a7 ! base flood elevation level or designation ( any aspect ( a flood map is sci5tifically or te*nically inaccurate2 or 7,b7 factors exi/ t mitigate ! risk ( flood+1 includ+ dit*es1 banks1 walls1 vegetation1 levees1 lakes1 dams1 res]voirs1 bas91 ret5tion ponds1 & o!r natural or manmade topographical features4 7#c7 ,appeals process 7,a7 ,adm9i/rative adjudication ,an appeal "u ?is subsection %all be det]m9$ by a f9al adjudication on ! record1 & aft] opportunity = an adm9i/rative he>+4 7,b7 ,rights ^u adv]se decision ,if an appeal pursuant to subp>agraph 7,a7 does n result 9 a decision 9 favor ( ! ,/ate1 local gov]nm5t1 own]1 or lessee1 su* p>ty may appeal ! adv]se decision to-- 7i7 ! ,sci5tific ,resolution ,panel provid$ = 9 section #acfc;,a1 :i* %all recomm5d a non-b9d+ decision to ! ,adm9i/rator2 or 7ii7 ! ,f$]al di/rict c\rt ( appropriate jurisdiction4 ,an appeal by a ,/ate or local gov]nm5t1 or ! own] or lessee ( real prop]ty1 pursuant to clause 7i7 %all n preclude su* p>ty f fur!r appeal+ pursuant to clause 7ii74 7,c7 ,burd5 ( pro( ,9 any appeal "u ?is subsection1 ! ,adm9i/rator %all be> ! burd5 ( prov+1 by cle> & conv9c+ evid5ce1 t ! elevations propos$ by ! ,adm9i/rator or ! designation ( any aspect ( ! special flood haz>d area1 z ! case may be1 is sci5tifically & te*nically correct4 7#d7 ,relief 7,a7 ,:olly successful appeals ,9 ! case ( a successful appeal result+ 9 a policyhold]'s prop]ty be+ remov$ f a special flood haz>d area1 su* policyhold] may cancel ! policy at any "t )9 ! curr5t policy ye>1 & ! ,adm9i/rator %all provide su* policyhold] a refund 9 ! am\nt ( any premiums paid = su* policy ye>1 plus any premiums paid = flood insurance cov]age t ! policyhold] 0 requir$ to pur*ase or ma9ta9 dur+ ! #b-ye> p]iod prec$+ su* policy ye>4 7,b7 ,p>tially successful appeals ,9 ! case ( any appeal 9 :i* mitigat+ factors 7 det]m9$ to h r$uc$1 b n elim9at$1 ! risk ( flood+1 ! ,adm9i/rator %all r$uce ! am\nt ( flood insurance cov]age requir$ to be ma9ta9$ = ! prop]ty conc]n$ by ! ratio ( ! successful portion ( ! appeal z comp>$ to ! entire appeal4 ,! ,adm9i/rator %all refund to ! policyhold] any paym5ts made 9 excess ( ! am\nt necess>y = su* new cov]age am\nt1 effective f ! "t :5 ! mitigat+ factor 0 creat$ or ! beg9n+ ( ! second policy ye> prec$+ ! det]m9ation ( ! appeal1 :i*ev] occurr$ lat]4 7,c7 ,additional relief ,! ,adm9i/rator may provide additional refunds 9 excess ( ! am\nts specifi$ 9 subp>agraphs 7,a7 & 7,b7 if ! ,adm9i/rator det]m9es t su* additional am\nts are w>rant$4 7#e7 ,recov]y ( co/s ,:51 incid5t to any appeal :i* is successful 9 :ole or "p reg>d+ ! designation ( ! base flood elevation or any aspect ( ! flood map1 includ+ elevation or designation ( a special flood haz>d area1 ! community1 or ! own] or lessee ( real prop]ty1 z ! case may be1 incurs exp5se 9 connection ) ! appeal1 includ+ legal s]vices & s]vices provid$ by surveyors1 eng9e]s1 & sci5tific exp]ts1 ! ,adm9i/rator %all reimburse su* individual or community = reasonable exp5ses to an ext5t measur$ by ! ratio ( ! successful portion ( ! appeal z comp>$ to ! entire appeal4 ,! ,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 p>agraph4 7#f7 ,guidance ,! ,adm9i/rator %all issue guidance to implem5t ?is subsection1 :i* %all n be subject to ! notice & comm5t requirem5ts "u section #eec ( title #e1 ,unit$ ,/ates ,code4 4 7b7 ,deadl9e ,! ,adm9i/rator ( ! ,f$]al ,em]g5cy ,managem5t ,ag5cy %all issue ! guidance ref]r$ to section #acfa7k77#f7 ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #daja7k77#f771 z add$ by ! am5dm5t made by subsection 7a7 ( ?is section1 n lat] ?an ! expiration ( ! #f-mon? p]iod beg9n+ on ! date ( ! enactm5t ( ?is ,act4 #e4 ,consid]ation ( flood mitigation factors 9 e/abli%+ flood haz>d areas ,section #acfj ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #daja71 z am5d$ by ! prec$+ provisions ( ?is ,act1 is fur!r am5d$ by add+ at ! end ! foll[+ new subsection3 7l7 ,consid]ation ( flood mitigation factors ,9 id5tify+1 designat+1 & e/abli%+ any areas hav+ special flood haz>ds1 includ+ 9 review+1 revis+1 or updat+ ( su* areas1 ! ,adm9i/rator & ! ,te*nical ,mapp+ ,advisory ,c\ncil e/abli%$ "u section #ajjbae ( ! ,bigg]t-,wat]s ,flood ,insurance ,re=m ,act ( #bjab 7#db ,u4,s4,c4 #daja;a7 %all take into consid]ation any factors t mitigate aga9/ flood risk1 includ+ dit*es1 banks1 walls1 vegetation1 levees1 lakes1 dams1 res]voirs1 bas91 & ret5tion ponds1 & ! ext5t to :i* su* factors mitigate aga9/ flood risk4 4 #f4 ,consid]ation ( coa/al & inl& locations 9 premium rates 7a7 ,e/imates ( premium rates ,clause 7i7 ( section #acjg7;a77#a77;,a7 ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #djad7;a77#a77;,a77i77 is am5d$ by ins]t+ 1 tak+ into consid]ation diff]5ces betwe5 prop]ties locat$ 9 coa/al areas & prop]ties locat$ inl&1 aft] ! risk involv$4 7b7 ,e/abli%m5t ( *>geable premium rates ,p>agraph 7#a7 ( section #acjh7;b7 ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #djae7;b77#a77 is am5d$ by ins]t+ due to diff]5ces betwe5 prop]ties locat$ 9 coa/al areas & prop]ties locat$ inl& & aft] diff]5ces 9 risks4 7c7 ,rate tables ,n lat] ?an ! expiration ( ! #ahj-;day p]iod beg9n+ on ! date ( ! enactm5t ( ?is ,act1 ! ,adm9i/rator ( ! ,f$]al ,em]g5cy ,managem5t ,ag5cy %all revise & exp& ! rate tables = premiums "u ! ,national ,flood ,insurance ,program to implem5t ! am5dm5ts made by ?is section & reflect diff]5ces betwe5 prop]ties locat$ 9 coa/al areas & prop]ties locat$ inl&4 #g4 ,/reaml9+ ( flood map processes ,! ,adm9i/rator ( ! ,f$]al ,em]g5cy ,managem5t ,ag5cy %all consult ) ! ,te*nical ,mapp+ ,advisory ,c\ncil e/abli%$ "u section #ajjbae ( ! ,bigg]t-,wat]s ,flood ,insurance ,re=m ,act ( #bjab 7#db ,u4,s4,c4 #daja;a7 reg>d+ me?ods ( or actions to-- 7#a7 make ! flood map processes ( ! ,c\ncil m effici5t2 7#b7 m9imize any co/1 data1 & pap]work requirem5ts ( ! ,c\ncil2 & 7#c7 assi/ communities1 & 9 p>ticul> small] communities1 9 locat+ ! res\rces requir$ to successfully appeal flood elevations & flood haz>d area designations4 ,n lat] ?an ! expiration ( ! #a-ye> p]iod beg9n+ on ! date ( ! enactm5t ( ?is ,act1 ! ,adm9i/rator %all submit a report to ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives & ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate sett+ =? any recomm5dations = me?ods or actions develop$ pursuant to ! consultation requir$ "u ?is section4 #h4 ,suffici5t /aff+ = ,(fice ( ,flood ,insurance ,advocate 7a7 ,9 g5]al ,section #bd ( ! ,home[n] ,flood ,insurance ,af=dability ,act ( #bjad 7#db ,u4,s4,c4 #djcc7 is am5d$ by add+ at ! end ! foll[+ new subsection3 7c7 ,/aff ,! ,adm9i/rator %all ensure t ! ,flood ,insurance ,advocate has suffici5t /aff to c>ry out all ( ! duties & responsibilities ( ! ,advocate "u ?is section1 :i* %all include provid+ direction z necess>y1 includ+ by direct conv]sations ) insurance ag5ts4 4 7b7 ,tim+ ,! ,adm9i/rator ( ! ,f$]al ,em]g5cy ,managem5t ,ag5cy %all take su* actions z may be necess>y to provide = full compliance ) section #bd7;c7 ( ! ,home[n] ,flood ,insurance ,af=dability ,act ( #bjad1 z add$ by ! am5dm5t made by subsection 7a7 ( ?is section1 n lat] ?an ! expiration ( ! #ahj-;day p]iod beg9n+ on ! date ( ! enactm5t ( ?is ,act4 #i4 ,,gao /udy on adequacy ( flood maps ,! ,comptroll] ,g5]al ( ! ,unit$ ,/ates %all conduct a /udy to det]m9e ! sci5tific & te*nical adequacy ( ! flood maps propos$ & e/abli%$ pursuant to *apt] ,,iii ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #daja et seq47 by ! ,adm9i/rator ( ! ,f$]al ,em]g5cy ,managem5t ,ag5cy4 ,n lat] ?an ! expiration ( ! #f-mon? p]iod beg9n+ on ! date ( ! enactm5t ( ?is ,act1 ! ,comptroll] ,g5]al %all submit a report to ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives & ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate a report sett+ =? ! results & conclusions ( ! /udy conduct$ pursuant to ?is section4 #aj4 ,,gao /udy ( effects ( *ang+ base flood ,! ,comptroll] ,g5]al ( ! ,unit$ ,/ates %all conduct a /udy reg>d+ ! effects on ! ,national ,flood ,insurance ,program & o!rwise ( *ang+ ! /&>d = designation ( areas z special flood haz>d areas f hav+ a #a p]c5t or great] *ance ( exp]i5c+ flood+ 9 any giv5 ye> to hav+ a #aj p]c5t or great] *ance ( exp]i5c+ flood+ 9 any giv5 ye>4 ,n lat] ?an ! expiration ( ! #ahj-;day p]iod beg9n+ on ! date ( ! enactm5t ( ?is ,act1 ! ,comptroll] ,g5]al %all submit to ! ,congress a report sett+ =? ! f9d+s & conclusions ( ! /udy conduct$ pursuant to ?is section4