,i  #aae? ,,congress  #b;d ,session  ,h4
 ,r4 #fdjb  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,july #ag1 #bjah,mr4  
,royce ( ,cali=nia 7= himself & ,mr4    
,blum5au]7 introduc$ ! foll[+ bill2 :i* 
0 ref]r$ to ! ,committee on ,f9ancial   
,s]vices  ,a ,,bill  ,to ext5d !        
,national ,flood ,insurance ,program1 & 
= o!r purposes4  #a4 ,%ort title ,?is   
,act may be cit$ z ! ,national ,flood   
,insurance ,program ,ext5sion & ,enhanc$
 ,consum] & ,community ,protections ,act
 ( #bjah4  #b4 ,ext5sion ( ,national    
,flood ,insurance ,program  7a7 ,f9anc+ 
,section #acji7;a7 ( ! ,national ,flood 
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djaf7;a77 is am5d$ by /rik+ ,septemb]  
#cj1 #bjag & ins]t+ ,novemb] #cj1 #bjah4
  7b7 ,program expiration ,section #acai
 ( ! ,national ,flood ,insurance ,act ( 
#aifh 7#db ,u4,s4,c4 #djbf7 is am5d$ by 
/rik+ ,septemb] #cj1 #bjag & ins]t+     
,novemb] #cj1 #bjah4  #c4 ,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  #d4
 ,increas$ co/ ( compliance  7a7 ,9     
g5]al ,section #acjd7;b7 ( ! ,national  
,flood ,insurance ,act ( #aifh 7#db     

,u4,s4,c4 #djaa7;b77 is am5d$-- 7#a7 9  
p>agraph 7#d71 by r$esignat+            
subp>agraphs 7,a7 ?r\gh 7,d7 z clauses  
7i7 ?r\gh 7iv71 respectively1 & adju/+ !
 m>g9s accord+ly2  7#b7 by r$esignat+   
p>agraphs 7#a7 ?r\gh 7#d7 z subp>agraphs
 7,a7 ?r\gh 7,d71 respectively1 & adju/+
 ! m>g9s accord+ly2  7#c7 9 ! matt]     
prec$+ subp>agraph 7,a71 z s r$esignat$1
 by /rik+ ,! national & ins]t+ ! foll[+3
  7#a7 ,9 g5]al ,! national  2  7#d7 9  
p>agraph 7#a71 z s designat$-- 7,a7 9   
subp>agraph 7,a71 z s r$esignat$1 by    
ins]t+ 1 )\t reg>d to :e!r ! prop]ty is 
9 an area hav+ special flood haz>ds aft]
 loss /ructures2  7,b7 9 subp>agraph    
7,c71 z s r$esignat$1 by /rik+ ! p]iod  
at ! end & ins]t+ a semicolon2  7,c7 9  
subp>agraph 7,d71 z s r$esignat$-- 7i7 9
 ! matt] prec$+ clause 7i71 z s         
r$esignat$1 by ins]t+ subject to        
p>agraph 7#b71 be=e prop]ties = :i*2 &  
7ii7 9 clause 7iv71 z s r$esignat$1 by  
/rik+ ! p]iod at ! end & ins]t+ 2 &2 &  
7,d7 by add+ at ! end ! foll[+3  7,e7 a 

prop]ty outside an area hav+ special    
flood haz>ds if ! community1 "u section 
#acfa1 has e/abli%$ l& use & control    
measures = ! area 9 :i* ! prop]ty is    
locat$4  2 &  7#e7 by /rik+ ! flu% text 
foll[+ p>agraph 7#a77;,e71 z add$ by    
p>agraph 7#d77;,d7 ( ?is subsection1 &  
ins]t+ ! foll[+3  7#b7 ,use ( funds =   
mitigation projects ,! ,adm9i/rator %all
 all[ a policyhold] to use insurance    
pur*as$ "u ?is subsection = any eligible
 project co/s "u a program describ$ 9   
clause 7i71 7ii71 or 7iii7 ( p>agraph   
7#a77;,d7 ( an acquisition1 demolition1 
elevation1 relocation1 or small         
/ructural project fund$ "u t program1   
includ+--  7,a7 asbe/os rem$iation2     
7,b7 ! demolition ( a driveway or       
sidewalk :5 a /ructure is acquir$2 &    
7,c7 ! addition ( a lift1 ramp1 or o!r  
device t is necess>y = a home[n] or     
occupant ) a physical limitation or     
disability to safely access a home t has
 be5 elevat$4  7#c7 ,sur*>ges  7,a7     
,prim>y cov]age ,! ,adm9i/rator %all    

impose a sur*>ge on ea* insur$ ( an     
am\nt p] policy t ! ,adm9i/rator        
det]m9es is appropriate 9 ord] to       
provide co/ ( compliance cov]age 9      
accordance ) p>agraph 7#d77;,a74  7,b7  
,enhanc$ cov]age ,= ea* policy = flood  
insurance made available "u ?is title ) 
respect to :i* enhanc$ cov]age is       
provid$ "u p>agraph 7#d77;,b71 !        
,adm9i/rator %all impose a sur*>ge1 9   
addition to ! sur*>ge impos$ "u         
subp>agraph 7,a71 9 an am\nt t !        
,adm9i/rator det]m9es appropriate4  7#d7
 ,am\nt ( cov]age  7,a7 ,prim>y cov]age 
,ea* policy = flood insurance cov]age   
made available "u ?is title %all provide
 cov]age "u ?is subsection hav+ an      
aggregate liability = any s+le prop]ty (
 #fj1jjj4  7,b7 ,enhanc$ cov]age        
,not)/&+ ! limitation "u subp>agraph    
7,a71 ! ,adm9i/rator %all provide1 ^u   
reque/ by a policyhold]1 enhanc$ cov]age
 "u ?is subsection hav+ an aggregate    
liability = any s+le prop]ty 9 an am\nt 
t is n m ?an #ajj1jjj4  7#e7 ,treatm5t (

 cov]age limits ,! pur*ase ( insurance  
"u ?is subsection ) respect to a prop]ty
 %all n be c\nt$ = ! purposes ( any     
limitation on cov]age ) respect to t    
prop]ty "u section #acjf7;b74  4  7b7   
,te*nical & con=m+ am5dm5t ,n lat] ?an  
#a ye> aft] ! date ( enactm5t ( ?is     
,act1 ! ,adm9i/rator ( ! ,f$]al ,em]g5cy
 ,managem5t ,ag5cy %all am5d ! ,/&>d    
,flood ,insurance ,policy set =? 9      
app5dix ,a to "p #fa ( title #dd1 ,code 
( ,f$]al ,regulations1 to con=m ! item  
relat+ to ,cov]age ,d--,increas$ ,co/ ( 
,compliance to ! cov]age limitations    
describ$ 9 subp>agraphs 7,a7 & 7,b7 (   
section #acjd7;b77#d7 ( ! ,national     
,flood ,insurance ,act ( #aifh 7#db     
,u4,s4,c4 #djaa7;b77#d771 z add$ by     
subsection 7a77#e7 ( ?is section4  #e4  
,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    
p>agraph1 ! ,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  #f4 ,premium 
rates = c]ta9 mitigat$ prop]ties  7a7   
,mitigation /rategies ,p>agraph 7#a7 (  
section #acfa7;d7 ( ! ,national ,flood  
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#dajb7;d77#a77 is am5d$--  7#a7 9       
subp>agraph 7,a71 by /rik+ & at ! end2  

7#b7 9 subp>agraph 7,b71 by /rik+ & at !
 end2 &  7#c7 by ins]t+ aft] subp>agraph
 7,b7 ! foll[+ new subp>agraphs3  7,c7 )
 respect to build+s 9 d5se urban        
environm5ts1 me?ods t c be deploy$ on a 
block or neighborhood scale2 &  7,d7    
elevation ( me*anical sy/ems2 &  4  7b7 
,mitigation cr$it ,subsection 7k7 (     
section #acjh ( ! ,national ,flood      
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djae7k77 is am5d$--  7#a7 by /rik+ %all
 take into acc\nt & ins]t+ ! foll[+3    
%all-- 7#a7 take into acc\nt  2  7#b7 9 
p>agraph 7#a71 z s designat$ by !       
am5dm5t made by p>agraph 7#a7 ( ?is     
subsection1 by /rik+ ! p]iod at ! end & 
ins]t+ 2 &2 &  7#c7 by add+ at ! end !  
foll[+ new p>agraph3  7#b7 (f] a        
r$uction ( ! risk premium rate *>g$ to a
 policyhold]1 z det]m9$ by !            
,adm9i/rator1 if ! policyhold] implem5ts
 any mitigation me?od describ$ 9        
p>agraph 7#a74  4  #g4 ,provision (     
,community ,rat+ ,sy/em premium cr$its  
to maximum numb] ( communities          

practicable ,subsection 7b7 ( section   
#acae ( ! ,national ,flood ,insurance   
,act ( #aifh 7#db ,u4,s4,c4 #djbb7;b77  
is am5d$--  7#a7 9 p>agraph 7#b71 by    
/rik+ may & ins]t+ %all2 &  7#b7 9      
p>agraph 7#c71 by ins]t+ 1 & !          
,adm9i/rator %all provide cr$its to !   
maximum numb] ( communities practicable 
aft] "u ?is program4  #h4 ,p>ticipation 
/udies  7a7 ,f$]al entities = l5d+      
regulation  7#a7 ,9 g5]al ,! ,f$]al     
entities = l5d+ regulation %all conduct 
an annual /udy reg>d+ ! rate at :i*     
p]sons :o are subject to ! m&atory      
pur*ase requirem5t are comply+ ) t      
requirem5t4  7#b7 ,submission to        
,congress ,! ,f$]al entities = l5d+     
regulation %all submit ! result ( ea*   
/udy conduct$ "u p>agraph 7#a7 to !     
appropriate committees ( ,congress4  7b7
 ,,fema  7#a7 ,9 g5]al ,! ,adm9i/rator (
 ! ,f$]al ,em]g5cy ,managem5t ,ag5cy    
%all conduct an annual /udy reg>d+ !    
rate at :i* individuals :o live 9 areas 
t h n be5 id5tifi$1 "u ! ,national      

,flood ,insurance ,act ( #aifh 7#db     
,u4,s4,c4 #djja et seq47 or ! ,flood    
,disa/] ,protection ,act ( #aigc 7#db   
,u4,s4,c4 #djjb et seq471 z hav+ a      
special flood haz>d p>ticipate 91 or    
receive f9ancial assi/ance "u1 !        
,national ,flood ,insurance ,program4   
7#b7 ,submission to ,congress ,!        
,adm9i/rator %all submit ! result ( ea* 
/udy conduct$ "u p>agraph 7#a7 to !     
appropriate committees ( ,congress4  7c7
 ,,gao  7#a7 ,9 g5]al ,! ,comptroll]    
,g5]al ( ! ,unit$ ,/ates %all conduct a 
/udy ( ! implem5tation & efficacy ( !   
requirem5ts ( section #ajb ( ! ,flood   
,disa/] ,protection ,act ( #aigc 7#db   
,u4,s4,c4 #djab;a74 ,su* /udy %all at   
m9imum consid] ! foll[+ que/ions3  7,a7 
,h[ effectively d ,f$]al ag5cies1       
regulat$ l5d+ in/itutions1 & ,f$]al     
entities = l5d+ regulation implem5t !   
requirem5ts ( section #ajb ( ! ,flood   
,disa/] ,protection ,act ( #aigc8  7,b7 
,does ! curr5t implem5tation ( ,flood   
,disa/] ,protection ,act ( #aigc align )

 ! congressional f9d+s & purposes       
describ$ 9 section #b7;b7 ( su* ,act    
7#db ,u4,s4,c4 #djjb78  7,c7 ,:at is !  
curr5t level ( compliance ) section     
#ajb8  7,d7 ,:at are ! e/imat$ hi/orical
 impacts on rev5ue to ! ,national ,flood
 ,insurance ,program bas$ on ! curr5t   
level ( compliance ( section #ajb8  7,e7
 ,is ! curr5t monitor+ & track+         
framework 9 place suffici5t to ensure   
compliance ) section #ajb8  7,f7 ,:at is
 ! be/ way to e/abli% a consolidat$1    
compreh5sive1 & accurate repository (   
data on compliance ) section #ajb8  7,g7
 ,:at1 if any1 un9t5d$ consequ5ces h    
result$ f ! requirem5ts & implem5tation 
( section #ajb8  7,h7 ,h[ c ,f$]al      
ag5cies & regulat$ l5d+ in/itutions     
improve compliance ) section #ajb8  7#b7
 ,report ,n lat] ?an ! expiration ( !   
#ah-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 reg>d+ ! f9d+s & conclusions ( ! 
/udy conduct$ pursuant to ?is           
subsection4  #i4 ,disclosure ( flood    
risk in=mation ^u transf] ( prop]ty  7a7
 ,9 g5]al ,*apt] #a ( ! ,national ,flood
 ,insurance ,act ( #aifh 7#db ,u4,s4,c4 
#djaa et seq47 is am5d$ by add+ at ! end
 ! foll[+ new section3  #acbf4          
,disclosure ( flood risk in=mation ^u   
transf] ( prop]ty  7a7 ,requirem5t =    
p>ticipation 9 program ,aft] ,septemb]  
#cj1 #bjbb1 no new flood insurance      
cov]age may be provid$ "u ?is title =   
any real prop]ty locat$ 9 any area 7or  
subdivision !re(7 unless an appropriate 
body has impos$1 by /atute or           
regulation1 a duty on any sell] or      
lessor ( improv$ real e/ate locat$ 9 su*
 area to provide to any pur*as] or      
lessee ( su* prop]ty a prop]ty flood    
haz>d disclosure :i* ! ,adm9i/rator has 
det]m9$ meets ! requirem5ts ( subsection
 7b74  7b7 ,disclosure requirem5ts ,a   
prop]ty flood haz>d disclosure = a      

prop]ty %all meet ! requirem5ts ( ?is   
subsection only if ! disclosure--  7#a7 
is made 9 writ+2  7#b7 discloses any    
actual k ( ! sell] or lessor (--  7,a7  
prior physical damage caus$ by flood to 
any build+ locat$ on ! prop]ty2  7,b7   
prior insurance claims = losses cov]$ "u
 ! ,national ,flood ,insurance ,program 
or private flood insurance ) respect to 
su* prop]ty2  7,c7 any previ\s          
notification reg>d+ ! designation ( !   
prop]ty z a multiple loss prop]ty2 &    
7,d7 any ,f$]al legal obligation to     
obta9 & ma9ta9 flood insurance runn+ ) !
 prop]ty1 su* z any obligation due to a 
previ\s =m ( disa/] assi/ance "u !      
,rob]t ,t4 ,/af=d ,disa/] ,relief &     
,em]g5cy ,assi/ance ,act receiv$ by any 
own] ( ! prop]ty2 &  7#c7 is deliv]$ by 
or on behalf ( ! sell] or lessor to !   
pur*as] or lessee be=e su* pur*as] or   
lessee becomes obligat$ "u any contract 
= pur*ase or lease ( ! prop]ty4  4  7b7 
,availability ( flood insurance cov]age 
,subsection 7c7 ( section #acje ( !     

,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #djab7;c77 is am5d$--   
7#a7 9 p>agraph 7#a71 by /rik+ & at !   
end2  7#b7 9 p>agraph 7#b71 by /rik+ !  
p]iod at ! end & ins]t+ 2 &2 &  7#c7 by 
add+ at ! end ! foll[+ new p>agraph3    
7#c7 giv5 satisfactory assurance t by   
,septemb] #cj1 #bjbb1 prop]ty flood     
haz>d disclosure requirem5ts w h be5    
adopt$ = ! area t meet ! requirem5ts (  
section #acbf4  4  #aj4 ,,gao /udy      
reg>d+ buy\t practices  7a7 ,def9itions 
,9 ?is section-- 7#a7 ! t]m ,adm9i/rator
 means ! ,adm9i/rator ( ! ,f$]al        
,em]g5cy ,managem5t ,ag5cy2  7#b7 ! t]m 
appropriate committees ( ,congress      
means-- 7,a7 ! ,committee on ,bank+1    
,h\s+1 & ,urban ,affairs ( ! ,s5ate2    
7,b7 ! ,committee on ,homel& ,security &
 ,gov]nm5tal ,affairs ( ! ,s5ate2  7,c7 
! ,committee on ,f9ancial ,s]vices ( !  
,h\se ( ,repres5tatives2 &  7,d7 !      
,committee on ,transportation &         
,infra/ructure ( ! ,h\se (              
,repres5tatives2  7#c7 ! t]ms buy\t     

practice & buy\t program mean a practice
 or program1 z applicable1 "u :i* !     
,adm9i/rator provides assi/ance to ,/ate
 & local gov]nm5ts s t ^? entities may  
acquire flood-damag$ prop]ties committ$ 
to op5 space use 9 p]petuity 9          
accordance ) section #djd7;b77#b7 ( !   
,rob]t ,t4 ,/af=d ,disa/] ,relief &     
,em]g5cy ,assi/ance ,act 7#db ,u4,s4,c4 
#eagj;c7b77#b772  7#d7 ! t]m eligible   
prop]ty own] means a policyhold] "u !   
,national ,flood ,insurance ,program ) a
 h\sehold income t is n m ?an #abj p]c5t
 ( ! mean h\sehold income = ! community 
9 :i* ! prim>y resid5ce ( ! policyhold] 
is locat$2  7#e7 ! t]m ,national ,flood 
,insurance ,program means ! program     
e/abli%$ "u ! ,national ,flood          
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djja et seq472  7#f7 ! t]m repetitive  
loss /ructure has ! mean+ giv5 ! t]m 9  
section #acgj7;a7 ( ! ,national ,flood  
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#daba7;a772 &  7#g7 ! t]m sev]e         
repetitive loss /ructure has ! mean+    

giv5 ! t]m 9 section #acff7;h7 ( !      
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #dajd;c7h774  7b7 ,/udy 
requir$ ,! ,comptroll] ,g5]al ( ! ,unit$
 ,/ates %all conduct a /udy to assess-- 
7#a7 ! efficacy ( buy\t practices1 z 9  
effect on ! date on :i* ! /udy is       
conduct$2 &  7#b7 ways to /reaml9e !    
buy\t practices describ$ 9 p>agraph 7#a7
 9 ord] to provide m timely assi/ance to
 a l>g] numb] ( ,/ate & local gov]nm5ts4
  7c7 ,consid]ations & analysis ,! /udy 
conduct$ "u subsection 7b7 %all consid] 
& analyze ! foll[+3 7#a7 ,to ! ext5t    
possible1 curr5t 7z ( ! date on :i* !   
/udy is conduct$7 & future tr5ds )      
respect to repetitive loss /ructures &  
sev]e repetitive loss /ructures t are   
insur$ "u ! ,national ,flood ,insurance 
,program1 includ+1 ) respect to bo? inl&
 & coa/al areas--  7,a7 *anges 9 flood  
risk1 flood frequ5cy1 & flood magnitude 
s9ce ! inception ( ! ,national ,flood   
,insurance ,program2 &  7,b7 projections
 = *anges 9 flood risk1 flood frequ5cy1 

& flood magnitude by #bjbe1 #bjej1 &    
#bjge4  7#b7 ,to ! ext5t possible1 buy\t
 practices 7z ( ! date on :i* ! /udy is 
conduct$71 includ+--  7,a7 !            
availability ( fund+ s\rces = buy\t     
programs ?r\gh v>i\s grant programs2    
7,b7 ! total numb] ( prop]ties acquir$  
?\gh buy\t programs2  7,c7 ! av]age l5g?
 ( "t = a ,/ate or local gov]nm5t to    
acquire a flood-damag$ prop]ty "u a     
buy\t program1 ) t p]iod beg9n+ on !    
date on :i* ! ,/ate or local gov]nm5t1 z
 applicable1 beg9s p>ticipat+ 9 ! buy\t 
program2  7,d7 an e/imate ( ! numb] (   
flood-damag$ prop]ties t c\ld be acquir$
 f will+ prop]ty own]s "u buy\t programs
 ) ! full coop]ation ( ,/ate & local    
gov]nm5ts2  7,e7 ! socioeconomic /atus (
 recipi5ts ( buy\ts "u buy\t programs2 &
  7,f7 examples ( successful buy\t      
programs1 includ+ be/ practices employ$4
  7#c7 ,adm9i/rative1 f9ancial1 or      
temporal con/ra9ts t may imp$e ! timely 
acquisition ( prop]ties "u a buy\t      
program1 includ+--  7,a7 a lack (       

communication or coop]ation betwe5 !    
,adm9i/rator & ! ,/ate & local gov]nm5ts
 t pur*ase prop]ties "u a buy\t program2
  7,b7 pressures to r$evelop a prop]ty  
aft] acquir+ a prop]ty ?r\gh a buy\t    
program2 &  7,c7 a lack ( adequate      
fund+4  7#d7 ,pot5tial options1 me?ods1 
& /rategies to address ! con/ra9ts      
id5tifi$ "u p>agraph 7#c71 includ+      
evaluat+ ! feasibility (--  7,a7 a pilot
 program "u :i*-- 7i7 an eligible       
prop]ty own] may agree1 be=e a flood    
ev5t occurs1 to h ! prim>y s+le-family  
resid5ce ( ! eligible prop]ty own]      
pur*as$ aft] ! resid5ce has be5         
sub/antially damag$ by a flood2  7ii7 ! 
,adm9i/rator may provide-- 7,i7 f9ancial
 assi/ance to ,/ate & local gov]nm5ts t 
are will+ to p>ticipate 9 ! program to  
pur*ase & acquire ! prop]ties ( own]s t 
h incurr$ sub/antial damage f a flood   
ev5t2 &  7,,ii7 a premium cr$it z an    
inc5tive to eligible prop]ty own]s to   
agree to p>ticipate 9 ! program2  7iii7 
prop]ties t are acquir$-- 7,i7 %all be  

ma9ta9$ z op5 space 9 accordance )      
section #djd7;b77#b7 ( ! ,rob]t ,t4     
,/af=d ,disa/] ,relief & ,em]g5cy       
,assi/ance ,act 7#db ,u4,s4,c4          
#eagj;c7b77#b772 &  7,,ii7 may be us$ = 
non-/ructural mitigation1 cons]vation1 &
 recreational purposes2 &  7iv7 n few]  
?an #e & n m ?an #aj ,/ate & local      
gov]nm5ts %all p>ticipate2 &  7,b7 !    
role t nonpr(it organizations c\ld play 
9 mak+ buy\ts m readily available or m  
effici5t1 simil> to ! role t ^?         
organizations play 9 ! acquisition (    
prop]ties = cons]vation purposes4  7#e7 
,! ecological1 f9ancial1 & flood risk   
r$uction b5efits t buy\t practices1 z 9 
effect on ! date on :i* ! /udy is       
conduct$1 provide1 :i* %all--  7,a7 take
 into acc\nt ! diff]5ces betwe5 inl& &  
coa/al areas2 &  7,b7 include--  7i7    
examples 9 :i* ecosy/em re/oration & o!r
 nature-bas$ approa*es h enhanc$ !      
r$uction ( flood risk2 &  7ii7          
recomm5dations = be/ practices4  7#f7   
,to ! ext5t possible1 an assessm5t ( h[ 

! ,adm9i/rator may use buy\t programs to
 r$uce future flood disa/] recov]y co/s 
t are attributable to future projections
 ( flood risk z a result ( sea level    
rise1 population *anges1 subsid5ce1 &   
o!r factors4  7#g7 ,a co/-b5efit        
analysis ( mitigation & buy-out projects
 & programs1 includ+ an assessm5t (     
opportunities & *all5ges = lev]ag+      
diff]5t ,f$]al res\rces & fund+ to      
maximize ! value ( ,f$]al inve/m5t 9    
disa/] mitigation4  7d7 ,report  7#a7 ,9
 g5]al ,n lat] ?an #a ye> aft] ! date ( 
enactm5t ( ?is ,act1 ! ,comptroll]      
,g5]al ( ! ,unit$ ,/ates %all submit to 
! appropriate committees ( ,congress & !
 ,adm9i/rator a report t sets =? !      
analysis1 conclusions1 & recomm5dations 
result+ f ! /udy conduct$ "u subsection 
7b74  7#b7 ,cont5ts ,! report submitt$  
"u p>agraph 7#a7 %all detail !          
feasibility ( ! ,adm9i/rator e/abli%+1 &
 ! processes requir$ = ! ,adm9i/rator to
 e/abli%1 an alt]native buy\t program1  
su* z ! pilot program describ$ 9        

subsection 7c77#d77;,a74