,,ib  ,union ,cal5d> ,no4 #aif  #aae?   
,,congress  #a/ ,session  ,h4 ,r4 #aeeh 
,report ,no4 #aae-bgf  ,,9 ,,! ,,h\se   
,,( ,,repres5tatives  ,m>* #af1 #bjag   
,mr4 ,royce ( ,cali=nia 7= himself &    
,mr4 ,blum5au]7 introduc$ ! foll[+ bill2
 :i* 0 ref]r$ to ! ,committee on        
,f9ancial ,s]vices  ,augu/ #ae1         
#bjag;,additional sponsors3 ,mr4 ,issa1 
,mrs4 ,mimi ,walt]s ( ,cali=nia1 ,mr4   
,rohraba*]1 & ,mr4 ,mess]  ,augu/ #ae1  
#bjag ,report$ ) an am5dm5t1 committ$ to
 ! ,committee ( ! ,:ole ,h\se on ! ,/ate
 ( ! ,union1 & ord]$ to be pr9t$ ,/rike 
out all aft] ! enact+ clause & ins]t !  
"p pr9t$ 9 italic ,= text ( introduc$   
bill1 see copy ( bill z introduc$ on    
,m>* #af1 #bjag  ,a ,,bill  ,to am5d !  
,national ,flood ,insurance ,act ( #aifh
 to ensure community acc\ntability =    
areas repetitively damag$ by floods1 & =
 o!r purposes4  #a4 ,%ort title ,?is    
,act may be cit$ z ! ,repeat$ly ,flood$ 
,communities ,prep>ation ,act4  #b4     
,community acc\ntability = repetitively 

flood$ areas  7a7 ,9 g5]al ,section     
#acfa ( ! ,national ,flood ,insurance   
,act ( #aifh 7#db ,u4,s4,c4 #dajb7 is   
am5d$ by add+ at ! end ! foll[+ new     
subsection3  7e7 ,community             
acc\ntability = repetitively damag$     
areas  7#a7 ,9 g5]al ,! ,adm9i/rator    
%all1 by regulation1 require any cov]$  
community 7z su* t]m is def9$ 9 p>agraph
 7#e77--  7,a7 to id5tify ! areas )9 !  
community :]e prop]ties describ$ 9      
p>agraph 7#e77;,b7 or flood-damag$      
facilities are locat$ to det]m9e areas  
repeat$ly damag$ by floods & to assess1 
) assi/ance f ! ,adm9i/rator1 ! cont9u+ 
risks to su* areas2  7,b7 to develop a  
community-specific plan = mitigat+      
cont9u+ flood risks to su* repetitively 
flood$ areas & to submit su* plan & plan
 updates to ! ,adm9i/rator at           
appropriate int]vals2  7,c7 to implem5t 
su* plans2  7,d7 to make su* plan1 plan 
updates1 & reports on progress 9 r$uc+  
flood risk available to ! public1       
subject to section #eeb;a ( title #e1   

,unit$ ,/ates ,code4  7#b7              
,incorporation into exi/+ plans ,plans  
develop$ pursuant to p>agraph 7#a7 may  
be incorporat$ into mitigation plans    
develop$ "u section #acff ( ?is ,act    
7#db ,u4,s4,c4 #dajd;c7 & haz>d         
mitigation plans develop$ "u section    
#cbb ( ! ,rob]t ,t4 ,/af=d ,disa/]      
,relief & ,em]g5cy ,assi/ance ,act 7#db 
,u4,s4,c4 #eafe74  7#c7 ,assi/ance to   
communities  7,a7 ,data ,to assi/       
communities 9 prep>ation ( plans requir$
 "u p>agraph 7#a71 ! ,adm9i/rator %all1 
^u reque/1 provide cov]$ communities )  
appropriate data reg>d+ ! prop]ty       
addresses & dates ( claims associat$ )  
insur$ prop]ties )9 ! community4  7,b7  
,mitigation grants ,9 mak+ det]m9ations 
reg>d+ f9ancial assi/ance "u !          
au?orities ( ?is ,act1 ! ,adm9i/rator   
may consid] ! ext5t to :i* a community  
has compli$ ) ?is subsection & is work+ 
to rem$y problems ) address+ repeat$ly  
flood$ areas4  7#d7 ,sanctions  7,a7 ,9 
g5]al ,! ,adm9i/rator %all1 by          

regulations issu$ 9 accordance ) !      
proc$ures e/abli%$ "u section #eec (    
title #e1 ,unit$ ,/ates ,code1 reg>d+   
sub/antive rules1 provide appropriate   
sanctions = cov]$ communities t fail to 
comply ) ! requirem5ts "u ?is subsection
 or to make suffici5t progress 9 r$uc+ !
 flood risks to areas 9 ! community t   
are repeat$ly damag$ by floods4  7,b7   
,notice ,be=e impos+ any sanction       
pursuant to ?is p>agraph1 ! ,adm9i/rator
 %all provide ! cov]$ community involv$ 
) notice ( ! non-compliance t c\ld      
result 9 ! imposition ( sanctions1 :i*  
%all include recomm5dations = actions to
 br+ ! cov]$ community into compliance4 
7,c7 ,consid]ations ,9 det]m9+          
appropriate sanctions to impose "u ?is  
p>agraph1 ! ,adm9i/rator %all consid] ! 
res\rces available to ! cov]$ community 
involv$1 includ+ ,f$]al fund+1 ! portion
 ( ! cov]$ community t lies )9 an area  
hav+ special flood haz>ds1 & o!r factors
 t make x difficult = ! cov]$ community 
to conduct mitigation activities = exi/+

 flood-prone /ructures4  7#e7 ,cov]$    
community ,= purposes ( ?is subsection1 
! t]m cov]$ community means a           
community-- 7,a7 t is p>ticipat+1       
pursuant to section #acae1 9 ! national 
flood insurance program2 &  7,b7 )9 :i* 
are locat$-- 7i7 #ej or m repetitive    
loss /ructures = ea* ( :i*1 dur+ any    
#aj-ye> p]iod1 two or m claims = paym5ts
 "u flood insurance cov]age h be5 made )
 a cumulative am\nt exce$+ #a1jjj2  7ii7
 #e or m sev]e repetitive loss /ructures
 7z su* t]m is def9$ 9 section          
#acff7;h77 = :i* mitigation activities  
meet+ ! /&>ds = approval "u section     
#acff7;c77#b77;,a7 h n be5 conduct$2 or 
7iii7 a public facility or a private    
nonpr(it facility 7z su* t]ms are z     
def9$ 9 section #ajb ( ! ,rob]t ,t4     
,/af=d ,disa/] ,relief & ,em]g5cy       
,assi/ance ,act 7#db ,u4,s4,c4 #eabb771 
t has receiv$ assi/ance = repair1       
re/oration1 recon/ruction1 or replacem5t
 "u section #djf ( ! ,rob]t ,t4 ,/af=d  
,disa/] ,relief & ,em]g5cy ,assi/ance   

,act 7#db ,u4,s4,c4 #eagb7 9 connection 
) m ?an "o flood+ ev5t 9 ! mo/ rec5t    
#aj-ye> p]iod4  7#f7 ,repetitive-loss   
/ructure ,= purposes ( ?is subsection1 !
 t]m repetitive loss /ructure has !     
mean+ giv5 su* t]m 9 section #acgj 7#db 
,u4,s4,c4 #daba74  7#g7 ,reports to     
congress ,n lat] ?an ! expiration ( !   
#f-ye> p]iod beg9n+ ^u ! date ( !       
enactm5t ( ?is subsection1 & n less ?an 
e #b ye>s !reaft]1 ! ,adm9i/rator %all  
submit a report to ! ,congress reg>d+ ! 
progress 9 implem5t+ plans develop$     
pursuant to p>agraph 7#a77;,b74  4  7b7 
,regulations ,! ,adm9i/rator ( ! ,f$]al 
,em]g5cy ,managem5t ,ag5cy %all issue   
regulations necess>y to c>ry out        
subsection 7e7 ( section #acfa ( !      
,national ,flood ,insurance ,act (      
#aifh1 z add$ by ! am5dm5t made by      
subsection 7a7 ( ?is section1 n lat] ?an
 ! expiration ( ! #ab-mon? p]iod t beg9s
 on ! date ( ! enactm5t ( ?is ,act4  #c4
 ,mon?ly in/allm5t paym5t ( premiums    
7a7 ,au?ority ,subsection 7g7 ( section 

#acjh ( ! ,national ,flood ,insurance   
,act ( #aifh 7#db ,u4,s4,c4 #djae7;g77  
is am5d$--  7#a7 by /rik+ ! subsection  
designation & all t foll[s ?r\gh ,)     
respect & ins]t+ ! foll[+3  7g7         
,frequ5cy ( premium collection  7#a7    
,options ,) respect  2 &  7#b7 by add+  
at ! end ! foll[+3  7#b7 ,mon?ly        
in/allm5t paym5t ( premiums  7,a7       
,exemption f rulemak+ ,until su* "t z ! 
,adm9i/rator promulgates regulations    
implem5t+ p>agraph 7#a7 ( ?is           
subsection1 ! ,adm9i/rator may adopt    
policies & proc$ures1 not)/&+ any o!r   
provisions ( law & 9 alignm5t & consi/5t
 ) exi/+ indu/ry escr[ & s]vic+ /&>ds1  
necess>y to implem5t su* p>agraph )\t   
und]go+ notice & comm5t rulemak+ & )\t  
conduct+ regulatory analyses o!rwise    
requir$ by /atute1 regulation1 or       
,executive ord]4  7,b7 ,pilot program ,!
 ,adm9i/rator may initially implem5t    
p>agraph 7#a7 ( ?is subsection z a pilot
 program t provides = a gradual phase-9 
( implem5tation4  7,c7 ,policyhold]     

protection ,! ,adm9i/rator may-- 7i7    
dur+ ! #ab-mon? p]iod beg9n+ on ! date (
 ! enactm5t ( ?is subp>agraph1 *>ge     
policyhold]s *oos+ to pay premiums 9    
mon?ly in/allm5ts a fee = ! total co/ ( 
! mon?ly collection ( premiums n to     
exce$ #be annually2 &  7ii7 aft] !      
expiration ( ! #ab-mon? p]iod ref]r$ to 
9 clause 7i71 adju/ ! fee *>g$ annually 
to cov] ! total co/ ( ! mon?ly          
collection ( premiums z det]m9$ by !    
report submitt$ pursuant to subp>agraph 
7,d74  7,d7 ,report ,n lat] ?an six     
mon?s aft] ! 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 ( ! ,s5ate1 t sets =? all ( !  
co/s associat$ ) ! mon?ly paym5t (      
premiums1 includ+ any up-front co/s     
associat$ ) infra/ructure developm5t1 ! 
impact on all policyhold]s includ+ ^? t 
ex]cise ! option to pay mon?ly & ^? t d 
n1 options = m9imiz+ ! co/s1 p>ticul>ly 

! co/s to policyhold]s1 & ! feasibility 
( adopt+ practices t s]ve to m9imize    
co/s to policyhold]s su* z automatic    
paym5ts & electronic paym5ts4  7,e7     
,annual ,reports ,on an annual basis1 ! 
,adm9i/rator %all report to ! ,committee
 on ,f9ancial ,s]vices ( ! ,h\se (      
,repres5tatives & ! ,committee on       
,bank+1 ,h\s+1 & ,urban ,affairs ( !    
,s5ate ! ongo+ co/s associat$ ) ! mon?ly
 paym5t ( premiums4  4  7b7             
,implem5tation ,clause 7ii7 ( section   
#acjg7;a77#a77;,b7 ( ! ,national ,flood 
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djad7;a77#a77;,b77ii77 is am5d$ by     
ins]t+ be=e any adm9i/rative exp5ses !  
foll[+3 ! co/s associat$ ) ! mon?ly     
collection ( premiums provid$ = 9       
section #acjh7;g7 7#db ,u4,s4,c4        
#djae7;g771 b only if su* co/s exce$ !  
op]at+ co/s & all[ances set =? 9 clause 
7i7 ( ?is subp>agraph1 &4  ,augu/ #ae1  
#bjag ,report$ ) an am5dm5t1 committ$ to
 ! ,committee ( ! ,:ole ,h\se on ! ,/ate
 ( ! ,union1 & ord]$ to be pr9t$