,,ii  #aae? ,,congress  #a/ ,session    
,s4 #acfh  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,june #ae1 #bjag ,mr4  
,m55dez 7= himself1 ,mr4 ,k5n$y1 ,ms4   
,w>r51 ,mr4 ,rubio1 ,mr4 ,van ,holl51   
,mr4 ,co*ran1 ,mr4 ,book]1 & ,mr4       
,nelson7 introduc$ ! foll[+ bill2 :i* 0 
read twice & ref]r$ to ! ,committee on  
,bank+1 ,h\s+1 & ,urban ,affairs  ,a    
,,bill  ,to reau?orize ! ,national      
,flood ,insurance ,program1 & = o!r     
purposes4  #a4 ,%ort title  ,?is ,act   
may be cit$ z ! ,su/a9able1 ,af=dable1  
,fair1 & ,effici5t 7,,safe7 ,national   
,flood ,insurance ,program              
,reau?orization ,act ( #bjag4  #b4      
,table ( cont5ts  ,! table ( cont5ts =  
?is ,act is z foll[s3 ,sec4 #a4 ,%ort   
title4 ,sec4 #b4 ,table ( cont5ts4 ,sec4
 #c4 ,def9itions4 ,,title               
,i--,reau?orization & af=dability ,sec4 
#aja4 ,ext5sion ( ,national ,flood      
,insurance ,program4 ,sec4 #ajb4        
,limitation on increases ( premiums1    
sur*>ges1 & mapp+ fees4 ,sec4 #ajc4     

,means-te/$ mitigation & af=dability    
assi/ance4 ,sec4 #ajd4 ,cov]age         
expansion4 ,sec4 #aje4 ,additional      
cov]age = bus9ess int]ruption4 ,,title  
,,ii--,mitigation & mapp+ ,sec4 #bja4   
,,icc expansion4 ,sec4 #bjb4 ,flood     
mitigation assi/ance prioritization &   
au?orization4 ,sec4 #bjc4 ,pr$isa/]     
haz>d mitigation program au?orization4  
,sec4 #bjd4 ,national ,flood ,mapp+     
,program4 ,sec4 #bje4 ,reallocation (   
premium sur*>ges4 ,sec4 #bjf4           
,multifamily mitigation4 ,sec4 #bjg4    
,s5se ( ,congress reg>d+ flood          
mitigation activities4 ,sec4 #bjh4 ,new 
zone = levee-impact$ areas4 ,sec4 #bji4 
,appeals reg>d+ exi/+ flood maps4       
,,title ,,iii--,co/ sav+s ,sec4 #cja4   
,=be>ance on ,,nfip int]e/ paym5ts4     
,sec4 #cjb4 ,cap on ,write ,y\r ,own    
company comp5sation4 ,sec4 #cjc4        
,taxpay] protection4 ,sec4 #cjd4 ,v5dor 
co/s2 transp>5cy4 ,,title ,,iv--,claims 
process re=m ,sec4 #dja4 ,e>? movem5t   
cl>ification4 ,sec4 #djb4 ,treatm5t (   

basem5ts4 ,sec4 #djc4 ,mold damage      
cl>ification4 ,sec4 #djd4 ,appeal (     
decisions relat+ to flood insurance     
cov]age4 ,sec4 #dje4 ,acc\ntability =   
und]paym5ts by ,write ,y\r ,own         
companies4 ,sec4 #djf4 ,policyhold] "r  
to "k4 ,sec4 #djg4 ,increas+ /atute (   
limitations = lawsuits4 ,sec4 #djh4     
,attorney fee %ift+4 ,sec4 #dji4 ,,doj  
def5se aga9/ policyhold] lawsuits4 ,sec4
 #daj4 ,/udy on p>ticipation rates4     
,sec4 #daa4 ,f$]al ,flood ,insurance    
,advisory ,committee4 ,sec4 #dab4       
,au?ority to t]m9ate contractors &      
v5dors4 ,sec4 #dac4 ,eas+ pro( ( loss   
requirem5ts4 ,sec4 #dad4 ,elevation     
c]tificates4 ,sec4 #dae4 ,mon?ly        
in/allm5t paym5t = premiums4 ,sec4 #daf4
 ,pilot program = pre-exi/+ /ructural   
conditions4 ,sec4 #dag4 ,deadl9e = claim
 process+4 ,sec4 #dah4 ,eng9e] ov]sight 
& c]tification4 ,sec4 #dai4 ,eng9e]     
reports4 ,sec4 #dbj4 ,improv$ tra9+ (   
ag5ts & adju/]s4 ,sec4 #dba4 ,ag5t      
,advisory ,c\ncil4 ,sec4 #dbb4 ,effici5t

 use ( mitigation doll>s4 ,sec4 #dbc4   
,improv$ disclosure requirem5ts4 ,sec4  
#dbd4 ,am5dm5ts to ,f9ancial            
,assi/ance_/,subsidy ,arrangem5t4 ,sec4 
#dbe4 ,te*nical & con=m+ am5dm5ts4  #c4 
,def9itions ,9 ?is ,act--  7#a7 ! t]m   
,adm9i/rator means ! ,adm9i/rator ( !   
,f$]al ,em]g5cy ,managem5t ,ag5cy2  7#b7
 ! t]m ,national ,flood ,insurance ,fund
 means ! fund e/abli%$ "u section #acaj 
( ! ,national ,flood ,insurance ,act (  
#aifh 7#db ,u4,s4,c4 #djag72  7#c7 ! 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#d7 ! t]m   
,national ,flood ,mitigation ,fund means
 ! fund e/abli%$ "u section #acfg ( !   
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #dajd;d72  7#e7 ! t]m   
,/&>d ,flood ,insurance ,policy means ! 
policy set =? 9 ,app5dix ,a to "p #fa ( 
title #dd1 ,code ( ,f$]al ,regulations2 
7#f7 ! t]m ,write ,y\r ,own company     
means a company t p>ticipates 9 ! ,write

 ,y\r ,own ,program2 &  7#g7 ! t]m      
,write ,y\r ,own ,program means !       
coop]ative und]tak+ betwe5 ! insurance  
indu/ry & ! ,f$]al ,insurance &         
,mitigation ,adm9i/ration t all[s       
p>ticipat+ prop]ty & casualty insurance 
companies to write & s]vice /&>d flood  
insurance policies4  ,i ,reau?orization 
& af=dability  #aja4 ,ext5sion (        
,national ,flood ,insurance ,program    
7a7 ,f9anc+ ,section #acji7;a7 ( !      
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #djaf7;a77 is am5d$1 9 !
 fir/ s5t5ce1 by /rik+ ,septemb] #cj1   
#bjag & ins]t+ ,septemb] #cj1 #bjbc4    
7b7 ,program expiration ,section #acai (
 ! ,national ,flood ,insurance ,act (   
#aifh 7#db ,u4,s4,c4 #djbf7 is am5d$ by 
/rik+ ,septemb] #cj1 #bjag & ins]t+     
,septemb] #cj1 #bjbc4  #ajb4 ,limitation
 on increases ( premiums1 sur*>ges1 &   
mapp+ fees  7a7 ,def9ition ,9 ?is       
section1 ! t]m cov]$ co/ means--  7#a7 !
 am\nt ( an annual premium ) respect to 
any policy = flood insurance "u !       

,national ,flood ,insurance ,program2   
7#b7 any sur*>ge impos$ ) respect to a  
policy describ$ 9 p>agraph 7#a71 includ+
 a sur*>ge impos$ "u--  7,a7 section    
#acjd7;b7 ( ! ,national ,flood          
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djaa7;b771 z am5d$ by section #bja7;b72
 or  7,b7 section #acjh;,a7a7 ( !       
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #djae;a7a772 &  7#c7 a  
fee describ$ 9 p>agraph 7#a77;,b77iii7  
or 7#b7 ( section #acjg7;a7 ( !         
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #djad7;a774  7b7        
,limitation on increases ,dur+ ! #f-ye> 
p]iod beg9n+ on ! date ( enactm5t ( ?is 
,act1 & not)/&+ section #acjh7;e7 ( !   
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #djae7;e771 !           
,adm9i/rator may n1 9 any ye>1 increase 
! am\nt ( any cov]$ co/ by an am\nt t is
 m ?an #aj p]c5t1 z comp>$ ) ! am\nt ( !
 cov]$ co/ dur+ ! previ\s ye>4  7c7     
,rule ( con/ruction ,no?+ 9 subsection  
7b7 may be con/ru$ z prohibit+ !        

,adm9i/rator f r$uc+1 9 any ye>1 ! am\nt
 ( any cov]$ co/1 z comp>$ ) ! am\nt ( !
 cov]$ co/ dur+ ! previ\s ye>4  7d7     
,av]age hi/orical loss ye> ,section     
#acjh ( ! ,national ,flood ,insurance   
,act ( #aifh 7#db ,u4,s4,c4 #djae7 is   
am5d$ by /rik+ subsection 7h7 & ins]t+ !
 foll[+3  7h7 ,rule ( con/ruction ,=    
purposes ( ?is section1 ! calculation ( 
an av]age hi/orical loss ye> %all be    
comput$ 9 accordance ) g5]ally accept$  
actu>ial pr9ciples4  4  #ajc4           
,means-te/$ mitigation & af=dability    
assi/ance  ,*apt] ,i ( ! ,national      
,flood ,insurance ,act ( #aifh 7#db     
,u4,s4,c4 #djaa et seq47 is am5d$ by    
add+ at ! end ! foll[+3  #acbf4         
,af=dability assi/ance  7a7 ,af=dability
 assi/ance fund  7#a7 ,e/abli%m5t ,!    
,adm9i/rator %all e/abli% 9 ! ,treasury 
( ! ,unit$ ,/ates an ,af=dability       
,assi/ance ,fund 7ref]r$ to 9 ?is       
section z ! ,fund71 :i* %all be--  7,a7 
an acc\nt sep>ate f any o!r acc\nts or  
funds available to ! ,adm9i/rator2 &    

7,b7 available )\t fiscal ye>           
limitation4  7#b7 ,use ( funds ,am\nts f
 ! ,fund %all be available to provide   
f9ancial assi/ance "u subsection 7b74   
7#c7 ,s\rce ( funds ,! ,fund %all be    
cr$it$ ) any sur*>ges impos$ & collect$ 
by ! ,adm9i/rator "u section            
#acjh;,a7a74  7b7 ,f9ancial assi/ance   
7#a7 ,def9itions ,9 ?is subsection--    
7,a7 ! t]m adju/$ gross income has !    
mean+ giv5 ! t]m 9 section #fb ( !      
,int]nal ,rev5ue ,code ( #aihf2  7,b7 ! 
t]m cov]$ project means a mitigation    
project ) respect to a h\sehold t r$uces
 ! total am\nt ( actu>ial risk dur+ a   
#ej-ye> p]iod by an am\nt t is great]   
?an ! total co/ ( ! project1 subject to 
p>agraph 7#d72  7,c7 ! t]m eligible     
h\sehold means a h\sehold = :i*-- 7i7   
h\s+ exp5ses exce$ #cj p]c5t ( ! adju/$ 
gross income ( ! h\sehold 9 a ye>2 &    
7ii7 ! total assets own$ by ! h\sehold  
are n great] ?an #a1jjj1jjj2 &  7,d7 !  
t]m h\s+ exp5ses means1 ) respect to a  
h\sehold1 ! total am\nt t ! h\sehold    

sp5ds 9 a ye> on--  7i7 mortgage        
paym5ts2  7ii7 prop]ty taxes2  7iii7    
home[n]s insurance2  7iv7 premiums =    
flood insurance "u ! national flood     
insurance program2 &  7v7 pr9cipal &    
int]e/ paym5ts = a loan provid$ "u ?is  
section4  7#b7 ,au?ority  7,a7 ,loans = 
cov]$ projects ,! ,adm9i/rator %all     
provide a l[- or z]o-int]e/ loan to an  
eligible h\sehold to fund a cov]$       
project4  7,b7 ,o!r f9ancial assi/ance  
,! ,adm9i/rator %all provide a v\*]1    
grant1 or premium cr$it to an eligible  
h\sehold = a ye> 9 an am\nt t is equal  
to ! less] (--  7i7 ! diff]5ce betwe5-- 
7,i7 ! h\s+ exp5ses ( ! h\sehold = !    
ye>2 &  7,,ii7 #cj p]c5t ( ! adju/$     
gross income ( ! h\sehold = ! ye>2 &    
7ii7 ! sum (--  7,i7 ! co/ ( premiums = 
! h\sehold = flood insurance "u !       
national flood insurance program = !    
ye>2 &  7,,ii7 pr9cipal & int]e/ paym5ts
 = ! h\sehold = ! ye> = a loan provid$  
"u ?is section4  7#c7 ,relation%ips )   
o!r ag5cies ,! ,adm9i/rator may ent]    

into a memor&um ( und]/&+ ) ! head ( any
 o!r ,f$]al ag5cy to adm9i/] ! provision
 ( loans "u p>agraph 7#b77;,a74  7#d7   
,use ( disc\nt rate 9 calculation ,!    
,adm9i/rator %all calculate ! am\nts "u 
p>agraph 7#a77;,b7 us+ a disc\nt rate ( 
#c p]c5t4  4  #ajd4 ,cov]age expansion  
7a7 ,9 g5]al  ,section #acjf7;b7 ( !    
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #djac7;b77 is am5d$--   
7#a7 9 p>agraph 7#b71 by /rik+ #bej1jjj 
& ins]t+ #ejj1jjj2 &  7#b7 9 p>agraph   
7#d71 by /rik+ applicable7 ( #ejj1jjj & 
ins]t+ applicable7 ( #a1ejj1jjj4  7b7   
,rule ( con/ruction ,not)/&+ section    
#ajb ( ! ,flood ,disa/] ,protection ,act
 ( #aigc 7#db ,u4,s4,c4 #djab;a71 no?+ 9
 ! am5dm5ts made by subsection 7a7 may  
be con/ru$ z requir+ a p]son to obta9   
flood insurance 9 an am\nt t is great]  
?an ! am\nt ( flood insurance held by t 
p]son on ! day be=e ! date ( enactm5t ( 
?is ,act4  #aje4 ,additional cov]age =  
bus9ess int]ruption  7a7 ,9 g5]al ,!    
,adm9i/rator %all conduct a /udy on !   

feasibility & s\ndness ( (f]+ cov]age = 
int]ruption bus9ess losses caus$ by a   
flood "u ! ,national ,flood ,insurance  
,program 7ref]r$ to 9 ?is section z     
bus9ess int]ruption cov]age74  7b7      
,cont5ts ,9 conduct+ ! /udy "u          
subsection 7a71 ! ,adm9i/rator %all1 at 
a m9imum-- 7#a7 evaluate insurance      
indu/ry be/ practices = (f]+ bus9ess    
int]ruption cov]age1 includ+ ! types (  
cov]age provid$ & ! utilization rate2   
7#b7 e/imate ! pot5tial risk premium    
rates = bus9ess int]ruption cov]age bas$
 on ! flood risk reflect$ 9 ! flood     
insurance rate map or o!r risk metrics 9
 effect at ! "t ( pur*ase2  7#c7 analyze
 ! op]ational & adm9i/rative exp5ses    
associat$ ) provid+ bus9ess int]ruption 
cov]age & adju/+ claims2  7#d7 id5tify  
pot5tial ob/acles t may prev5t !        
,adm9i/rator f (f]+ bus9ess int]ruption 
cov]age2  7#e7 evaluate ! b5efits (     
provid+ bus9ess int]ruption cov]age2    
7#f7 analyze any pot5tial impacts on !  
f9ancial position ( ! ,national ,flood  

,insurance ,program2 &  7#g7 develop a  
feasibility implem5tation plan &        
project$ timel9es = (f]+ bus9ess        
int]ruption cov]age4  7c7 ,availability 
( exp]ts ,9 conduct+ ! /udy "u          
subsection 7a71 ! ,adm9i/rator may      
accept & utilize ! p]sonnel & s]vices ( 
any o!r ,f$]al ag5cy1 & appo9t & fix !  
comp5sation ( tempor>y p]sonnel )\t     
reg>d to ! provisions ( title #e1 ,unit$
 ,/ates ,code1 gov]n+ appo9tm5ts 9 !    
competitive s]vice1 or employ exp]ts &  
consultants 9 accordance ) ! provisions 
( section #caji ( su* title1 )\t reg>d  
to ! provisions ( *apt] #ea & sub*apt]  
,,iii ( *apt] #ec ( su* title relat+ to 
classification & ,g5]al ,s*$ule pay     
rates4  7d7 ,deadl9e ,! ,adm9i/rator    
%all complete ! /udy requir$ "u         
subsection 7a7 n lat] ?an ,septemb] #cj 
( ! second full fiscal ye> aft] ! date (
 enactm5t ( ?is ,act4  ,,ii ,mitigation 
& mapp+  #bja4 ,,icc expansion  7a7     
,increase ( limitation on liability ,n  
lat] ?an #ahj days aft] ! date (        

enactm5t ( ?is ,act1 ! ,adm9i/rator %all
 am5d ! ,/&>d ,flood ,insurance ,policy 
to increase ! limitation on liability   
relat+ to ,cov]age ,d--,increas$ ,co/ ( 
,compliance f #cj1jjj to #ajj1jjj4  7b7 
,expansion ( eligibility2 cl>ification )
 respect to cov]age limits2 non-,f$]al  
mat*  7#a7 ,9 g5]al ,section #acjd7;b7 (
 ! ,national ,flood ,insurance ,act (   
#aifh 7#db ,u4,s4,c4 #djaa7;b77 is      
am5d$-- 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$1 by    
/rik+ ,! national & ins]t+ ! foll[+3    
7#a7 ,9 g5]al ,! national  2  7,d7 9    
p>agraph 7#a71 z s designat$-- 7i7 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  7ii7 9 subp>agraph    
7,c71 z s r$esignat$1 by /rik+ ! p]iod  
at ! end & ins]t+ 2 &2 &  7iii7 9       
subp>agraph 7,d71 z s r$esignat$--  7,i7
 9 ! matt] prec$+ clause 7ii71 z s      
r$esignat$1 by ins]t+ subject to        
p>agraph 7#b71 be=e prop]ties = :i*2    
7,,ii7 9 clause 7iii71 z s r$esignat$1  
by /rik+ & at ! end2  7,,iii7 9 clause  
7iv71 z s r$esignat$1 by /rik+ ! p]iod  
at ! end & ins]t+ 2 &2 &  7,,iv7 by add+
 at ! end ! foll[+3  7v7 a prop]ty      
outside an area hav+ special flood      
haz>ds if ! community1 "u section #acfa1
 has e/abli%$ l& use & control measures 
= ! area 9 :i* ! prop]ty is locat$4  2  
7,e7 9 ! flu% text foll[+ p>agraph      
7#a77;,d77v71 z add$ by subp>agraph 7,d7
 ( ?is p>agraph1 by /rik+ ,!            
,adm9i/rator & ins]t+ ! foll[+3  7#c7   
,sur*>ges ,! ,adm9i/rator  2 &  7,f7 by 
ins]t+ aft] p>agraph 7#a71 z s designat$
 by subp>agraph 7,a7 ( ?is p>agraph1 !  
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$4  4     
7#b7 ,m&atory nature ( ,,icc /atute     
7,a7 ,f9d+ ,congress f9ds t1 al?\gh     
section #acjd7;b7 ( ! ,national ,flood  
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djaa7;b771 z 9 effect on ! day be=e !  
date ( enactm5t ( ?is ,act1 requires !  
,adm9i/rator to (f] increas$ co/ (      
compliance 7commonly kn[n z ,,icc7      
cov]age to ea* type ( prop]ty describ$ 9
 p>agraphs 7#a7 ?r\gh 7#d7 ( t section1 
! ,adm9i/rator has implem5t$ t section  

by effectively only (f]+ ,,icc cov]age  
to prop]ties describ$ 9 p>agraph 7#b7 ( 
t section4  7,b7 ,rule ( con/ruction    
,no?+ 9 section #acjd7;b7 ( ! ,national 
,flood ,insurance ,act ( #aifh 7#db     
,u4,s4,c4 #djaa7;b771 z am5d$ by        
p>agraph 7#a71 %all be con/ru$ to p]mit 
! ,adm9i/rator to *oose :i* types (     
prop]ties describ$ 9 p>agraphs 7#a7     
?r\gh 7#e7 ( su* section #acjd7;b7 %\ld 
be eligible = ,,icc insurance r ?an (f]+
 ,,icc insurance to all su* types (     
prop]ties z requir$ "u su* section      
#acjd7;b74  #bjb4 ,flood mitigation     
assi/ance prioritization & au?orization 
7a7 ,flood ,mitigation ,assi/ance ,grant
 ,program priority ,section #acff7;a7 ( 
! ,national ,flood ,insurance ,act 7#db 
,u4,s4,c4 #dajd;c7a77 is am5d$-- 7#a7 by
 r$esignat+ p>agraphs 7#a71 7#b71 & 7#c7
 z subp>agraphs 7,a71 7,b71 & 7,c71     
respectively1 & adju/+ ! m>g9s          
accord+ly2  7#b7 9 ! second s5t5ce ( !  
matt] prec$+ subp>agraph 7,a71 z s      
r$esignat$1 by /rik+ assi/ance %all be &

 ins]t+ ! foll[+3 8assi/ance %all--     
7#a7 be  2  7#c7 9 p>agraph 7#a77;,c71 z
 s r$esignat$1 by /rik+ ! p]iod at ! end
 & ins]t+ 2 &2 &  7#d7 by add+ at ! end 
! foll[+3  7#b7 9 addition to !         
requirem5t "u p>agraph 7#a77;,c71 give  
priority to prop]ties-- 7,a7 t are      
repetitive loss /ructures2  7,b7 )      
respect to :i* flood insurance premiums 
are unaf=dable1 z det]m9$ by !          
,adm9i/rator2 &  7,c7 = :i* losses exce$
 ! replacem5t value ( ! prop]ties4  4   
7b7 ,additional mitigation assi/ance    
7#a7 ,au?orization ( appropriations     
7,a7 ,appropriations f g5]al fund (     
,treasury ,= ea* ( ! fir/ #f full fiscal
 ye>s aft] ! date ( enactm5t ( ?is ,act1
 !re is au?oriz$ to be appropriat$      
#a1jjj1jjj1jjj to ! ,national ,flood    
,mitigation ,fund to provide mitigation 
assi/ance "u ?is subsection4  7,b7 ,rule
 ( con/ruction ,! au?orization (        
appropriations "u subp>agraph 7,a7 %all 
n be con/ru$ to au?orize ! transf] or   
cr$it+ to ! ,national ,flood ,mitigation

 ,fund ( any am\nts f ! ,national ,flood
 ,insurance ,fund4  7#b7 ,community-wide
 mitigation projects ,not)/&+ any o!r   
provision ( law1 includ+ section #acff (
 ! ,national ,flood ,insurance ,act (   
#aifh 7#db ,u4,s4,c4 #dajd;c7 & section 
#bjc ( ! ,rob]t ,t4 ,/af=d ,disa/]      
,relief & ,em]g5cy ,assi/ance ,act 7#db 
,u4,s4,c4 #eacc71 9 provid+ mitigation  
assi/ance "u ?is subsection1 9 ord] to  
less5 disa/] losses & enhance ! f9ancial
 /ability & effectiv5ess ( ! ,national  
,flood ,insurance ,program1 !           
,adm9i/rator %all give priority to      
utiliz+ flood mitigation activities t-- 
7,a7 provide b5efits to an entire       
floodpla9 or community1 or to a portion 
( su* a community2  7,b7 consid] all    
available & practicable approa*es2 &    
7,c7 ! ,adm9i/rator det]m9es--  7i7 are 
te*nically feasible2  7ii7 h ! highe/   
net b5efits2 &  7iii7 are consi/5t )    
mitigation plans approv$ by !           
,adm9i/rator4  #bjc4 ,pr$isa/] haz>d    
mitigation program au?orization ,= ea* (

 ! fir/ #f full fiscal ye>s foll[+ !    
date ( enactm5t ( ?is ,act1 !re is      
au?oriz$ to be appropriat$ #ejj1jjj1jjj 
to c>ry out ! pr$isa/] haz>d mitigation 
program "u section #bjc ( ! ,rob]t ,t4  
,/af=d ,disa/] ,assi/ance & ,em]g5cy    
,relief ,act 7#db ,u4,s4,c4 #eacc74     
#bjd4 ,national ,flood ,mapp+ ,program  
,section #ajjbaf ( ! ,bigg]t-,wat]s     
,flood ,insurance ,re=m ,act ( #bjab    
7#db ,u4,s4,c4 #daja;b7 is am5d$--  7#a7
 9 subsection 7b77#a7-- 7,a7 9          
subp>agraph 7,a71 by /rik+ to-- & all t 
foll[s ?r\gh ! end ( clause 7vi7 &      
ins]t+ to all areas ( ! ,unit$ ,/ates22 
7,b7 9 subp>agraph 7,b71 by /rik+ & at !
 end2  7,c7 9 subp>agraph 7,c71 by /rik+
 accurate topography & all t foll[s     
?r\gh ! p]iod at ! end & ins]t+ curr5t &
 be/ remote s5s+ te*nology2 &2 &  7,d7  
by add+ at ! end ! foll[+3  7,d7 :5     
appropriate1 p>tn] ) o!r ,f$]al ag5cies 
& private entities 9 ord] to meet !     
objectives ( ! program4  2  7#b7 by     
r$esignat+ subsection 7f7 z subsection  

7g72  7#c7 by ins]t+ aft] subsection 7e7
 ! foll[+3  7f7 ,incorporat+            
build+-,specific flood risk in=mation   
7#a7 ,e/abli%m5t  7,a7 ,9 g5]al ,n lat] 
?an #e ye>s aft] ! date ( enactm5t ( !  
,su/a9able1 ,af=dable1 ,fair1 &         
,effici5t 7,,safe7 ,national ,flood     
,insurance ,program ,reau?orization ,act
 ( #bjag1 ! ,adm9i/rator1 9 coord9ation 
)1 & z recomm5d$ by1 ! ,te*nical ,mapp+ 
,advisory ,c\ncil1 %all e/abli% a       
dynamic1 database-d]iv$ digital display 
environm5t = flood haz>d risk production
 & dissem9ation4  7,b7 ,consultation )  
,/ates & communities ,9 design+ &       
con/ruct+ ! environm5t "u subp>agraph   
7,a71 ! ,adm9i/rator %all-- 7i7 lev]age 
& p>tn] ) ,/ates & communities t h      
successfully implem5t$ ! same approa*2 &
  7ii7 consid] adopt+ ! te*niques &     
te*nologies us$ by ,/ates & communities 
describ$ 9 clause 7i7 & apply+ !m       
nationwide4  7#b7 ,digital display  7,a7
 ,9 g5]al ,9 c>ry+ out p>agraph 7#a71 ! 
,adm9i/rator %all create a digital      

display prompt$ ?r\gh dynamic qu]y+ ( a 
spatial1 relational build+ database t   
may n be publically dissem9at$ & t      
includes--  7i7 special flood haz>d     
areas & base flood elevations = purposes
 ( l5d] compliance ) ! requirem5ts "u   
section #ajb ( ! ,flood ,disa/]         
,protection ,act ( #aigc 7#db ,u4,s4,c4 
#djab;a72 &  7ii7 /ructure-specific     
flood risk in=mation1 includ+1 = ea*    
prop]ty address-- 7,i7 ! spatial        
footpr9t & elevation ( ! /ructure       
relative to special flood haz>d areas & 
base flood elevations2  7,,ii7 ! mo/    
curr5t elevation c]tificate applicable  
to ! prop]ty2  7,,iii7 any lett] ( map  
*anges2  7,,iv7 ! full risk premium rate
 e/imat$ = ! /ructure "u section        
#acjg7;a77#a7 ( ! ,national ,flood      
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djad7;a77#a77 bas$ on elevation data2  
7,v7 ! disclosure describ$ 9 section    
#acjh7l7 ( ! ,national ,flood ,insurance
 ,act ( #aifh 7#db ,u4,s4,c4 #djae7l771 
:i* %all include--  7aa7 ! ext5t to :i*1

 if any1 ! *>geable premium rate        
applicable to ! prop]ty is less ?an !   
full risk premium rate "u section       
#acjg7;a77#a7 ( t ,act 7#db ,u4,s4,c4   
#djad7;a77#a772 &  7bb7 an explanation (
 ! diff]5ce describ$ 9 item 7aa7 & !    
me?odology us$ to rate ! prop]ty2       
7,,vi7 ! e/imat$ co/ to repair !        
/ructure 9 ! case ( damage f floods )   
recurr5ce int]vals rang+ f ! #aj p]c5t  
annual *ance ev5t to ! #j4b p]c5t annual
 *ance ev5t2  7,,vii7 ! co/-effectiv5ess
 ( mitigat+ ! /ructure us+ common me?ods
 & h[ ! *>geable premium rate w\ld *ange
 bas$ on ea* mitigation me?od2 &        
7,,viii7 ! claims hi/ory ( ! /ructure1  
includ+ ! am\nt & date ( ea* loss4  7,b7
 ,privacy requirem5ts ,) respect to !   
database describ$ 9 subp>agraph 7,a71   
includ+ any data us$ to create t        
database1 ! ,adm9i/rator may n          
dissem9ate ! database to--  7i7 !       
public2 or  7ii7 a private company = use
 by ! private company4  7#c7 ,database  
7,a7 ,9 g5]al ,! ,adm9i/rator %all-- 7i7

 develop a spatial1 relational database 
( build+s 9 ! national flood insurance  
program2 &  7ii7 obta9 ! data necess>y  
to support ! digital display creat$ "u  
p>agraph 7#b74  7,b7 ,data ,! data      
obta9$ "u subp>agraph 7,a7 %all include1
 at a m9imum--  7i7 footpr9ts &         
elevations 7includ+ l[e/ adjac5t grade &
 fir/ floor7 f ,light ,detection &      
,rang+ 7commonly kn[n z ,li,d,a,r7 data 
collections or o!r data collection      
me?ods t meet or exce$ ! /&>ds =        
build+s1 z det]m9$ by ! ,adm9i/rator2   
7ii7 elevation c]tificates2  7iii7      
p>cel1 address1 & imag]y data necess>y =
 ! id5tification1 assessm5t1 & r$uction 
( flood haz>ds = individual prop]ties2  
7iv7 flood insurance rate maps1 /udies1 
& support+ data2  7v7 lett]s ( map      
*ange2 &  7vi7 any o!r data t !         
,adm9i/rator det]m9es necess>y to       
collect to meet ! objectives ( ?is      
section4  7#d7 ,data procurem5t ,!      
,adm9i/rator %all obta9 any data        
necess>y to e/abli% ! environm5t "u     

p>agraph 7#a71 includ+ by--  7,a7       
direct+ communities p>ticipat+ 9 !      
national flood insurance program1 by    
regulation1 to collect & supply         
in=mation1 includ+ elevation data1 = ea*
 /ructure t obta9s a con/ruction or o!r 
developm5t p]mit )9--  7i7 a special    
flood haz>d area2 or  7ii7 an advisory  
special flood haz>d area adopt$ by !    
community2  7,b7 issu+ guidel9es &      
/&>ds1 z det]m9$ by ! ,adm9i/rator2     
7,c7 p>tn]+ ) o!r ,f$]al1 ,/ate1 local1 
& private /akehold]s to ! greate/ ext5t 
possible to obta9 & %>e exi/+ data t    
meets or exce$s ! /&>ds det]m9$ by !    
,adm9i/rator "u subp>agraph 7,b72 &     
7,d7 contract+ ) private companies to   
obta9 new ,li,d,a,r data collections or 
elevation c]tificates4  7#e7 ,,nfip     
premium cr$it ,! ,adm9i/rator %all      
provide a #a-"t premium cr$it ( n m ?an 
#ejj to a policyhold] = ! pur*ase ( an  
elevation c]tificate4  7#f7 ,mass lett]s
 ( map *ange ,9 coord9ation ) ,/ates &  
communities t h successfully implem5t$ a

 dynamic1 database-d]iv$ digital display
 environm5t = flood haz>d risk          
production & dissem9ation1 !            
,adm9i/rator %all issue guidel9es = !   
adoption & integration into ! ,national 
,flood ,mapp+ ,program ( ,li,d,a,r-bas$ 
lett] ( map am5dm5t approa*es4  7#g7    
,annual report ,! ,adm9i/rator %all     
submit to ! ,committee on ,bank+1 ,h\s+1
 & ,urban ,affairs ( ! ,s5ate & !       
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives an annual       
progress report on ! implem5tation ( ?is
 subsection1 :i* %all include           
recomm5dations to r$uce ! co/ & improve 
! implem5tation ( ?is subsection4  2 &  
7#d7 9 subsection 7g71 z s r$esignat$-- 
7,a7 by /rik+ ?is section #djj1jjj1jjj &
 ins]t+ ! foll[+3  ?is section-- 7#a7   
#djj1jjj1jjj  2 &  7,b7 by /rik+ ! p]iod
 at ! end & ins]t+ ! foll[+3  2 & 7#b7  
#hjj1jjj1jjj = ea* ( fiscal ye>s #bjah  
?r\gh #bjbc4  4  #bje4 ,reallocation (  
premium sur*>ges ,*apt] ,i ( ! ,national
 ,flood ,insurance ,act ( #aifh 7#db    

,u4,s4,c4 #djaa et seq47 is am5d$--     
7#a7 9 section #acjh;,a 7#db ,u4,s4,c4  
#djae;a7-- 7,a7 by r$esignat+ subsection
 7c7 z subsection 7d72  7,b7 by ins]t+  
aft] subsection 7b7 ! foll[+3  7c7 ,use 
( sur*>ges ,! ,adm9i/rator %all deposit 
any sur*>ge impos$ & collect$ "u        
subsection 7a7 9 ! ,af=dability         
,assi/ance ,fund e/abli%$ "u subsection 
7a7 ( section #acbf 9 ord] to provide   
f9ancial assi/ance "u subsection 7b7 ( t
 section4  2 &  7,c7 9 subsection 7d71 z
 s r$esignat$1 by /rik+ ,subsections 7a7
 & 7b7 & ins]t+ ,subsections 7a7 ?r\gh  
7c72 &  7#b7 9 section #acaj;,a7c7 7#db 
,u4,s4,c4 #djag;,a7c771 by /rik+        
p>agraph 7#d74  #bjf4 ,multifamily      
mitigation  7a7 ,9 g5]al ,section       
#acfa7;d77#a7 ( ! ,national ,flood      
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#dajb7;d77#a77 is am5d$1 9 ! matt]      
prec$+ subp>agraph 7,a71 by ins]t+      
7includ+ multifamily build+s 9 urban    
areas7 aft] resid5tial build+s4  7b7    
,premium cr$it ,section #acjh7k7 ( !    

,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #djae7k77 is am5d$ by   
/rik+ ! ,adm9i/rator %all & all t foll[s
 ?r\gh ! p]iod at ! end & ins]t+ !      
foll[+3 8! ,adm9i/rator %all--  7#a7    
take into acc\nt ! implem5tation ( any  
mitigation me?od id5tifi$ by !          
,adm9i/rator 9 ! guidance issu$ "u      
section #acfa7;d7 7#db ,u4,s4,c4        
#dajb7;d772 &  7#b7 (f] a premium cr$it 
to a prop]ty own] = ! implem5tation (   
any alt]native mitigation me?od )       
respect to a multifamily build+ 9 an    
urban area1 z describ$ 9 p>agraph 7#a7 (
 su* section #acfa7;d74  4  7c7 ,l& use 
controls  7#a7 ,9 g5]al ,section        
#acae7;a7 ( ! ,national ,flood          
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djbb7;a77 is am5d$ by add+ at ! end !  
foll[+3  7#c7 ,l& use controls = c]ta9  
multifamily build+s 9 urban areas  7,a7 
,def9ition ,9 ?is p>agraph1 ! t]m cov]$ 
area means an area t-- 7i7 is an urban  
area2 &  7ii7 has be5 id5tifi$ z hav+   
special flood haz>ds4  7,b7 ,adoption ( 

l& use controls ,not)/&+ any o!r        
provision ( law1 ! ,adm9i/rator1 "u     
p>agraph 7#a71 may require an           
appropriate public body1 ) respect to a 
cov]$ area t is seek+ to obta9 flood    
insurance "u ?is title1 to adopt l& use 
& control measures = ! repair1          
re/oration1 or sub/antial improvem5t (  
any mid- or high-rise build+ t is locat$
 9 ! cov]$ area4  7,c7 ,community       
/rategy ,) respect to a cov]$ area      
describ$ 9 subp>agraph 7,b71 !          
,adm9i/rator %all enc\rage ! cov]$ area 
to develop1 & assi/ ! cov]$ area 9      
develop+1 a compreh5sive /rategy t--    
7i7 r$uces flood damage to mid- &       
high-rise multifamily build+s 9 ! cov]$ 
area t-- 7,i7 w be repair$1 re/or$1 or  
sub/antially improv$2 &  7,,ii7 _c be   
elevat$2  7ii7 id5tifies te*nical       
mitigation activities t may be appli$ to
 ! build+s describ$ 9 clause 7i71       
includ+ consid]ations = me*anical1      
electrical1 & utility compon5ts1 t w    
protect life & prop]ty2  7iii7 docum5ts 

t ! cov]$ area has e/abli%$ proc$ures   
=-- 7,i7 ! implem5tation ( p]=mance     
/&>ds2  7,,ii7 requir+ evacuation plans2
 &  7,,iii7 develop+ a ma9t5ance /rategy
 = any mitigation activity t is appli$  
"u clause 7ii72 &  7iv7 e/abli%es       
guidel9es = p]=mance /&>ds t w-- 7,i7   
all[ = a comb9ation ( p>tial mitigation 
activities1 o!r ?an elevation1 = areas  
7o!r ?an resid5tial areas7 9 ! cov]$    
area2 &  7,,ii7 be appli$ to mid- &     
high-rise multifamily build+s 9 ! areas 
describ$ 9 subclause 7,i74  4  7#b7 ,l& 
managem5t inve/igations ,section        
#acfa7;b7 ( ! ,national ,flood          
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#dajb7;b77 is am5d$ by ins]t+ 1 includ+ 
:e!r a ,/ate or local gov]nm5t1 z       
applicable1 has enact$ ! requirem5ts    
describ$ 9 section #acbg7;b7 aft] o!r   
build+ re/rictions4  7d7 ,calculation ( 
risk premium rates ,section #acjh ( !   
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #djae7 is am5d$ by add+ 
at ! end ! foll[+3  7n7 ,consid]ation ( 

alt]native mitigation me?ods ,) respect 
to a *>geable rate prescrib$ = a build+ 
describ$ 9 section #acae7;a77#c77;,b71 !
 ,adm9i/rator %all ensure t ! rate      
prop]ly reflects ! r$uction 9 flood risk
 aft] adopt+ ! l& use & control measures
 describ$ 9 t section1 if applicable4  4
  #bjg4 ,s5se ( ,congress reg>d+ flood  
mitigation activities ,x is ! s5se (    
,congress t ! ,adm9i/rator %\ld consid] 
flood mitigation activities t--  7#a7   
provide b5efits to an entire floodpla9  
or community1 or to a portion ( su* a   
community2  7#b7 consid] all available &
 practicable approa*es2 &  7#c7 !       
,adm9i/rator det]m9es-- 7,a7 are        
te*nically feasible2  7,b7 h ! highe/   
net b5efits2 &  7,c7 are consi/5t )     
mitigation plans approv$ by !           
,adm9i/rator4  #bjh4 ,new zone =        
levee-impact$ areas ,section #acfj ( !  
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #daja7 is am5d$ by add+ 
at ! end ! foll[+3  7k7 ,levee-,impact$ 
areas  7#a7 ,9 g5]al ,subject to full   

implem5tation ( subp>agraphs 7,a77iii7 &
 7,b7 ( section #ajjbaf7;b77#a7 ( !     
,bigg]t-,wat]s ,flood ,insurance ,re=m  
,act ( #bjab 7#db ,u4,s4,c4             
#daja;b7b77#a77 & not)/&+ any o!r       
provision ( law1 if a community applies 
to ! ,adm9i/rator = ! remapp+ ( a       
levee-impact$ area 9 :i* ! p]t95t levee 
sy/em fails to meet ! m9imum design1    
op]ation1 & ma9t5ance /&>ds ( !         
,national ,flood ,insurance ,program    
requir$ = levee accr$itation on a flood 
insurance rate map 9 accordance ) !     
,levee ,analysis ,mapp+ ,proc$ure       
initiat$ by ! ,adm9i/rator to replace ! 
)\t levees approa* to a ,flood          
,insurance ,/udy1 ! ,adm9i/rator %all-- 
7,a7 e/abli% flood risk zones = ^?      
levee-impact$ areas on su* maps1 to be  
kn[n z ,,al-,e zones1 t h an e/abli%$   
elevation = community floodpla9         
managem5t2 &  7,b7 make flood insurance 
available to prop]ties locat$ )9 ^?     
levee-impact$ areas4  7#b7 ,transition  
,dur+ ! p]iod beg9n+ on ! date (        

enactm5t ( ?is subsection & end+ on !   
date on :i* ! ,adm9i/rator develops     
rates = ! v>i\s ,,al-,e zones1 a        
/ructure locat$ 9 a portion ( a         
community t is locat$ )9 a levee-impact$
 area describ$ 9 p>agraph 7#a7 %all be  
eligible = rates associat$ ) areas (    
mod]ate flood haz>ds4  4  #bji4 ,appeals
 reg>d+ exi/+ flood maps  7a7 ,9 g5]al  
7#a7 ,"r to appeal ,section #acfj ( !   
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #daja71 z am5d$ by      
section #bjh1 is am5d$ by add+ at ! end 
! foll[+3  7l7 ,appeals ( exi/+ maps    
7#a7 ,"r to appeal ,subject to p>agraph 
7#f71 a ,/ate or local gov]nm5t1 or !   
own] or lessee ( real prop]ty1 t makes a
 =mal reque/ to ! ,adm9i/rator to update
 a flood insurance rate map t !         
,adm9i/rator d5ies may at any "t appeal 
! d5ial 9 accordance ) ?is subsection4  
7#b7 ,basis = appeal ,! basis = an      
appeal "u ?is subsection %all be !      
possession ( k or in=mation t--  7,a7 ! 
base flood elevation level or           

designation ( any aspect ( a flood      
insurance rate 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
 ,! ,adm9i/rator %all det]m9e an appeal 
"u ?is subsection by mak+ a f9al        
adjudication on ! record1 aft] provid+  
an opportunity = an adm9i/rative he>+4  
7,b7 ,rights ^u adv]se decision  7i7    
,optional arbitration ,if an appeal     
det]m9$ "u subp>agraph 7,a7 does n      
result 9 a decision 9 favor ( ! ,/ate1  
local gov]nm5t1 own]1 or lessee1 t p>ty 
may reque/ t an appeal ( ! adv]se       
decision be he>d ?r\gh indep5d5t1       
non-b9d+ arbitration4  7ii7 ,process ,! 
,adm9i/rator %all e/abli% a process =   
arbitration "u clause 7i7 "u :i* !      
arbitrator provides a non-b9d+          
recomm5dation to ! ,adm9i/rator4  7#d7  

,relief  7,a7 ,:olly successful appeals 
,if ! ,adm9i/rator det]m9es1 9 an appeal
 "u ?is subsection1 t ! prop]ty ( a     
policyhold] t _h be5 includ$ 9 a special
 flood haz>d area "u ! flood insurance  
rate map is actually n 9 a special flood
 haz>d area--  7i7 ! policyhold] may    
cancel ! policy at any "t dur+ ! ye> 9  
:i* ! ,adm9i/rator makes ! det]m9ation2 
&  7ii7 ! ,adm9i/rator %all provide !   
policyhold] a refund equal to ! am\nt   
(-- 7,i7 any premiums t ! policyhold]   
paid dur+ ! ye> describ$ 9 clause 7i72 &
  7,,ii7 any premiums t ! policyhold]   
paid = flood insurance cov]age t !      
policyhold] 0 requir$ to pur*ase or     
ma9ta9 dur+ ! #b-ye> p]iod prec$+ ! ye> 
describ$ 9 clause 7i74  7,b7 ,p>tially  
successful appeals ,if ! ,adm9i/rator   
det]m9es 9 an appeal "u ?is subsection t
 mitigat+ factors h r$uc$1 b n elim9at$1
 ! risk ( flood+ to a prop]ty1 !        
,adm9i/rator %all--  7i7 r$uce ! am\nt (
 flood insurance cov]age requir$ to be  
ma9ta9$ = ! prop]ty by ! ratio ( !      

successful portion ( ! appeal z comp>$  
to ! entire appeal2 &  7ii7 provide !   
policyhold] a refund equal to ! diff]5ce
 betwe5-- 7,i7 ! am\nt ( any premiums t 
! policyhold] paid dur+ ! p]iod--  7aa7 
beg9n+ on ! lat] (-- 7,,aa7 ! date on   
:i* ! mitigat+ factor 0 creat$2 or      
7,,bb7 ,janu>y #a ( ! second ye> prec$+ 
! date on :i* ! det]m9ation is made2 &  
7bb7 end+ on ! date on :i* ! r$uction 9 
! am\nt ( flood insurance requir$1 z    
describ$ 9 clause 7i71 takes effect2 &  
7,,ii7 ! am\nt ( premiums t !           
policyhold] w\ld h be5 requir$ to pay if
 ! r$uc$ am\nt ( flood insurance cov]age
 requir$1 z describ$ 9 clause 7i71 _h   
be5 9 effect dur+ ! p]iod describ$ 9    
subclause 7,i7 ( ?is clause4  7,c7      
,additional relief ,! ,adm9i/rator may  
provide additional refunds 9 excess ( ! 
am\nts requir$ "u subp>agraphs 7,a7 &   
7,b7 if ! ,adm9i/rator det]m9es t su*   
additional refunds are w>rant$4  7#e7   
,recov]y ( co/s  7,a7 ,appeal exp5ses   
,if a ,/ate or local gov]nm5t1 or ! own]

 or lessee ( real prop]ty1 incurs any   
exp5se 9 connection ) an appeal "u ?is  
subsection t is bas$ on a sci5tific or  
te*nical error made by ! ,adm9i/rator & 
t is successful 9 :ole or "p reg>d+ !   
designation ( ! base flood elevation or 
any aspect ( a flood insurance rate map1
 includ+ elevation or designation ( a   
special flood haz>d area1 ! ,adm9i/rator
 %all reimburse ! ,/ate1 local gov]nm5t1
 own]1 or lessee 9 accordance )         
subp>agraph 7,b74  7,b7 ,reimbursable   
exp5ses ,! ,adm9i/rator-- 7i7 may       
reimburse a p>ty "u subp>agraph 7,a7 =  
reasonable exp5ses describ$ 9 t         
subp>agraph--  7,i7 includ+ = a s]vice  
provid$ by a surveyor1 eng9e]1 or       
sci5tific exp]t2 &  7,,ii7 to ! ext5t   
measur$ by ! ratio ( ! successful       
portion ( ! appeal z comp>$ to ! entire 
appeal2 &  7ii7 may n reimburse a p>ty  
"u subp>agraph 7,a7 =-- 7,i7 ! co/ (    
legal s]vices2 or  7,,ii7 ! paym5t ( any
 fee or exp5se1 ! paym5t ( :i* 0 agre$  
to be cont+5t ^u ! result ( ! appeal4   

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
  7#b7 ,te*nical & con=m+ am5dm5ts      
,section #acaj7;a7 ( ! ,national ,flood 
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djag7;a77 is am5d$-- 7,a7 9 p>agraph   
7#g71 by /rik+ & at ! end2  7,b7 9      
p>agraph 7#h71 by /rik+ ! p]iod at ! end
 & ins]t+ 2 &2 &  7,c7 by add+ at ! end 
! foll[+3  7#i7 = provid+ reimbursem5ts 
( exp5ses ( flood insurance rate map    
appeals "u section #acfj7k77#e74  4  7b7
 ,deadl9e ,n lat] ?an #ahj days aft] !  
date ( enactm5t ( ?is ,act1 !           
,adm9i/rator %all issue ! guidance      
requir$ "u subsection 7l77#f7 ( section 
#acfj ( ! ,national ,flood ,insurance   
,act ( #aifh 7#db ,u4,s4,c4 #daja71 z   
add$ by subsection 7a7 ( ?is section4   
,,iii ,co/ sav+s  #cja4 ,=be>ance on    
,,nfip int]e/ paym5ts  7a7 ,9 g5]al     
,dur+ ! #f-ye> p]iod beg9n+ on ! date ( 

enactm5t ( ?is ,act1 ! ,secret>y ( !    
,treasury may n *>ge ! ,adm9i/rator     
int]e/ on am\nts borr[$ by !            
,adm9i/rator "u section #acji7;a7 ( !   
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #djaf7;a77 t 7 out/&+ z 
( t date ( enactm5t4  7b7 ,no           
retroactive accrual ,aft] ! #f-ye> p]iod
 describ$ 9 subsection 7a71 ! ,secret>y 
( ! ,treasury %all n require !          
,adm9i/rator to repay any int]e/ t1 b = 
t subsection1 w\ld h accru$ on ! borr[$ 
am\nts describ$ 9 t subsection dur+ t   
#f-ye> p]iod4  #cjb4 ,cap on ,write ,y\r
 ,own company comp5sation  7a7 ,9 g5]al 
,section #acaa ( ! ,national ,flood     
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djah7 is am5d$-- 7#a7 by r$esignat+    
subsection 7b7 z subsection 7c72 &  7#b7
 by ins]t+ aft] subsection 7a7 ! foll[+3
  7b7 ,limitation on comp5sation2 m9imum
 ag5t commissions ,9 negotiat+ )        
appropriate repres5tatives ( ! insurance
 indu/ry "u subsection 7a71 !           
,adm9i/rator %all ensure t--  7#a7 any  

reimbursem5t paid to a prop]ty &        
casualty insurance company = sell+1     
writ+1 & s]vic+ flood insurance policies
 is n m ?an #bb4df p]c5t ( ! aggregate  
am\nt ( premiums *>g$ by ! insurance    
company2 &  7#b7 an insurance company   
pays a portion ( ! reimbursem5t describ$
 9 p>agraph 7#a7 to ag5ts ( ! company z 
a commission1 9 an am\nt t is n less ?an
 #ae p]c5t ( ! aggregate am\nt ( !      
premiums sold by ! ag5t4  4  7b7        
,te*nical & con=m+ am5dm5ts ,section    
#acaa ( ! ,national ,flood ,insurance   
,act ( #aifh 7#db ,u4,s4,c4 #djah71 z   
am5d$ by subsection 7a71 is am5d$--     
7#a7 9 subsection 7a71 by /rik+ ,!      
,adm9i/rator & ins]t+ ,9 g5]al4--,!     
,adm9i/rator2 &  7#b7 9 subsection 7c71 
by /rik+ ,= purposes ( subsection 7a7 & 
ins]t+ ,def9itions4--,= purposes ( ?is  
section4  #cjc4 ,taxpay] protection     
,section #acfj7;g7 ( ! ,national ,flood 
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#daja7;g77 is am5d$-- 7#a7 9 ! fir/     
s5t5ce1 by ins]t+ 1 subject to ! foll[+ 

s5t5ce1 aft] at a reasonable co/2 &     
7#b7 by ins]t+ aft] ! fir/ s5t5ce !     
foll[+3 ,! ,adm9i/rator %all develop a  
fee s*$ule bas$ on recov]+ ! actual co/s
 ( provid+ flood insurance rate maps to 
su* o!r p]sons1 & %all *>ge a fee bas$  
on ! s*$ule to any private entity = !   
use ( su* a map44  #cjd4 ,v5dor co/s2   
transp>5cy  7a7 ,9 g5]al ,section       
#ajjbbd7;d7 ( ! ,bigg]t-,wat]s ,flood   
,insurance ,re=m ,act ( #bjab 7#db      
,u4,s4,c4 #djha note7 is am5d$--  7#a7  
by /rik+ ,n lat] ?an #ab mon?s aft] !   
date ( enactm5t ( ?is ,act1 !           
,adm9i/rator & ins]t+ ! foll[+3  7,a7 ,9
 g5]al ,! ,adm9i/rator  2 &  7#b7 by    
add+ at ! end ! foll[+3  7,b7 ,v5dor    
co/s2 transp>5cy ,9 issu+ ! rule "u     
subp>agraph 7,a71 ! ,adm9i/rator %all-- 
7i7 develop a s*$ule to det]m9e ! actual
 co/s ( ,write ,y\r ,own v5dors1 includ+
 claims adju/]s & eng9e]+ companies2    
7ii7 provide t if a ,write ,y\r ,own    
company reque/s reimbursem5t = ! co/s ( 
a s]vice or product provid$ to ! company

 by a v5dor1 ! ,adm9i/rator only        
reimburses ! company = ! actual co/s ( !
 s]vice or products2 &  7iii7 require t 
all reimbursem5ts to ,write ,y\r ,own   
companies be made public1 includ+ a     
description ( ! product or s]vice       
provid$ to :i* ! reimbursem5t p]ta9s4  4
  7b7 ,deadl9e = revis$ rule ,n lat] ?an
 #ij days aft] ! date ( enactm5t ( ?is  
,act1 ! ,adm9i/rator %all issue a revis$
 rule "u section #ajjbbd7;d7 ( !        
,bigg]t-,wat]s ,flood ,insurance ,re=m  
,act ( #bjab 7#db ,u4,s4,c4 #djha note71
 z am5d$ by subsection 7a74  ,,iv       
,claims process re=m  #dja4 ,e>? movem5t
 cl>ification ,section #acjf ( !        
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #djac7 is am5d$ by add+ 
at ! end ! foll[+3  7e7 ,e>? movem5t ,a 
flood insurance claim fil$ "u ?is title 
= damage to or loss ( prop]ty may n be  
d5i$ bas$ on ! e>? movem5t exclusion 9 !
 /&>d flood insurance policy "u !       
national flood insurance program if !   
claim is fil$ z ! result ( a flood1     

includ+ a claim = damage to or loss or  
prop]ty caus$ by e>? movem5t t 0 caus$  
by a flood4  4  #djb4 ,treatm5t (       
basem5ts  7a7 ,basem5t cl>ification     
7#a7 ,def9ition ,9 ?is subsection1 ! t]m
 pre-,,firm condom9ium build+ means a   
condom9ium build+ t 0 n con/ruct$ or    
sub/antially improv$ aft] ! lat] (--    
7,a7 ,decemb] #ca1 #aigd2 or  7,b7 !    
effective date ( ! initial flood        
insurance rate map publi%$ by !         
,adm9i/rator "u section #acfj ( !       
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #daja7 = ! area 9 :i* ! 
build+ is locat$4  7#b7 ,am5dm5t to     
regulations ,! ,adm9i/rator %all am5d   
section #ei4a ( title #dd1 ,code (      
,f$]al ,regulations1 to exclude f !     
def9ition ( ! t]m basem5t any pre-,,firm
 condom9ium build+1 ! l[e/ floor ( :i*  
is n m ?an #d feet bel[ ! l[e/ adjac5t  
grade4  7b7 ,/udy on consequ5ces (      
/reet-,rais+  7#a7 ,def9ition ,9 ?is    
subsection1 ! t]m affect$ prop]ty means 
a prop]ty conta9+ an area-- 7,a7 ! floor

 ( :i* 0 locat$ at or above grade be=e !
 community rais$ ! /reet adjac5t to !   
prop]ty2 &  7,b7 aft] ! /reet-rais+     
describ$ 9 subp>agraph 7,a71 t 0        
designat$ z a basem5t because ( !       
/reet-rais+4  7#b7 ,/udy2 report ,n lat]
 ?an #a ye> aft] ! date ( enactm5t ( ?is
 ,act1 ! ,adm9i/rator %all /udy & submit
 to ,congress a report on ! consequ5ces 
( /reet-rais+ on flood insurance cov]age
 = an affect$ prop]ty "u ! ,national    
,flood ,insurance ,program1 includ+ !   
co/ implications = ! prop]ty own]4      
#djc4 ,mold damage cl>ification ,!      
,adm9i/rator %all am5d ! ,/&>d ,flood   
,insurance ,policy to provide t-- 7#a7 z
 a g5]al rule1 loss caus$ by wat]1      
moi/ure1 mildew1 or mold caus$ by a     
flood is cov]$ by flood insurance "u !  
,national ,flood ,insurance ,program2   
7#b7 ! exemption f cov]age = wat]1      
moi/ure1 mildew1 or mold damage caus$ by
 a policyhold] :o is truly d]elict 9    
inspect+ or ma9ta9+ a prop]ty aft] a    
flood rec$es is a limit$ exemption2     

7#c7 9 ! case ( wat]1 moi/ure1 mildew1  
or mold damage describ$ 9 p>agraph 7#b71
 only ! am\nt ( wat]1 moi/ure1 mildew1  
or mold t built up because ( !          
d]eliction ( duty1 & only dur+ ! "t :5 !
 wat]1 moi/ure1 mildew1 or mold build-up
 reasonably c\ld h be5 mitigat$1 %all n 
be cov]$2  7#d7 ! det]m9ation t a       
policyhold] 0 truly d]elict z describ$ 9
 p>agraph 7#b7 is a high b> to meet2 &  
7#e7 ! evaluation ( :e!r a policyhold] 0
 truly d]elict z describ$ 9 p>agraph    
7#b7 %all be made 9 light ( ! behavior t
 c\ld reasonably be expect$ f a survivor
 9 ! aft]ma? ( a p>ticul> flood ev5t1   
:i* may include a natural disa/]1 giv5 !
 *all5ges fac+ a policyhold] 9 t        
situation1 includ+--  7,a7 difficulty 9 
inspect+ or ma9ta9+ ! prop]ty2  7,b7 !  
ne$ to address o!r1 m imm$iate          
priorities1 includ+ ! heal? & well-be+ (
 ! policyhold] & 8 or h] family1        
pres]vation ( basic items1 displacem5t1 
%ock1 & o!r issues t make inspection &  
mitigation a ne>-t]m *all5ge2 &  7,c7   

difficulty 9 f9d+ qualifi$ exp]ts dur+ !
 surge ( dem& foll[+ a flood4  #djd4    
,appeal ( decisions relat+ to flood     
insurance cov]age  7a7 ,ext5sion (      
deadl9e ,to file appeal2 en=c+ deadl9e =
 ,,fema ,to resolve appeal2 optional    
arbitration = appeals ,section #acab ( !
 ,national ,flood ,insurance ,act (     
#aifh 7#db ,u4,s4,c4 #djai7 is am5d$ by 
add+ at ! end ! foll[+3  7d7 ,appeal (  
decisions relat+ to flood insurance     
cov]age  7#a7 ,9 g5]al ,! ,adm9i/rator  
%all1 by regulation1 e/abli% an appeals 
process ?r\gh :i* hold]s ( a flood      
insurance policy may appeal ! decisions1
 ) respect to claims1 pro(s ( loss1 &   
loss e/imates relat+ to su* flood       
insurance policy1 ( any--  7,a7         
insurance ag5t or adju/]1 or insurance  
company2 or  7,b7 employee or contractor
 ( ! ,f$]al ,em]g5cy ,managem5t ,ag5cy4 
7#b7 ,deadl9e to file appeal ,!         
,adm9i/rator %all e/abli% a deadl9e =   
fil+ an appeal "u ?is subsection t is n 
less ?an #a ye> aft] ! date on :i* !    

decision be+ appeal$ 0 made4  7#c7      
,notification ^u initial d5ial ( claim  
,! ,adm9i/rator %all ensure t a claimant
 is provid$ ) ! rules1 =ms1 & deadl9es =
 an appeal "u ?is subsection at ! "t a  
claim is fir/ d5i$ 9 full or 9 "p1      
includ+--  7,a7 ! effective date ( !    
d5ial2  7,b7 a ju/ification = ! d5ial1  
includ+ support+ docum5tation2  7,c7 !  
date on :i* ! p]iod ( limitation =      
in/itut+ an action aga9/ ! ,adm9i/rator 
on ! claim "u section #accc or #acda1 z 
applicable1 w end2 &  7,d7 a po9t (     
contact ?r\gh :i* ! claimant c directly 
discuss an appeal ) a repres5tative ( ! 
,f$]al ,em]g5cy ,managem5t ,ag5cy4  7#d7
 ,deadl9e to resolve appeal  7,a7 ,9    
g5]al ,n lat] ?an #ij days aft] ! date z
 ( :i* a policyhold] has submitt$ all   
necess>y in=mation relat+ to an appeal  
"u ?is subsection1 ! ,adm9i/rator %all  
provide an appeal decision 9 writ+ to ! 
policyhold] & insur]1 includ+ specific  
in=mation = ! resolution ( ! appeal4    
7,b7 ,en=cem5t ,if ! ,adm9i/rator does n

 comply ) ! deadl9e "u subp>agraph      
7,a7-- 7i7 ! appeal %all be deem$       
grant$2 &  7ii7 ! ,adm9i/rator %all aw>d
 ! policyhold] ! full am\nt ( ! claim4  
7,c7 ,notification ^u d5ial ( appeal ,if
 ! ,adm9i/rator d5ies an appeal fil$ by 
a policyhold] "u ?is subsection1 !      
,adm9i/rator %all include ) ! notice (  
d5ial--  7i7 an explanation ( ! legal   
options ( ! policyhold] = fur!r *all5g+ 
! d5ial2 &  7ii7 ! date on :i* ! p]iod (
 limitation = in/itut+ an action aga9/ !
 ,adm9i/rator on ! claim "u section     
#accc or #acda1 z applicable1 w end4    
7e7 ,optional arbitration ,n lat] ?an   
#ahj days aft] ! date ( enactm5t ( ?is  
subsection1 ! ,adm9i/rator %all by      
regulation e/abli% a process ?r\gh :i* a
 flood insurance policyhold]1 in/ead (  
submitt+ an appeal "u subsection 7d7 to 
! ,adm9i/rator1 may reque/ t ! appeal be
 he>d ?r\gh indep5d5t1 b9d+ arbitration4
  4  7b7 ,relation to regulations & o!r 
law ,no?+ 9 ! am5dm5t made by subsection
 7a7 %all be con/ru$ to require !       

,adm9i/rator to repeal ! regulations    
promulgat$ "u section #bje ( !          
,bunn+-,b]eut]-,blum5au] ,flood         
,insurance ,re=m ,act ( #bjjd 7#db      
,u4,s4,c4 #djaa note71 or to promulgate 
new regulations1 except z necess>y to   
implem5t t am5dm5t4  #dje4              
,acc\ntability = und]paym5ts by ,write  
,y\r ,own companies ,section #acdh ( !  
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #djhd7 is am5d$ by add+ 
at ! end ! foll[+3  7c7 ,acc\ntability =
 und]paym5ts ,! ,adm9i/rator %all       
require t1 if ! ,adm9i/rator det]m9es   
?r\gh an audit t ! pool or an insurance 
company or o!r private organization     
describ$ 9 subsection 7a7 has und]paid a
 claim ( a policyhold]--  7#a7 ! pool1  
insurance company1 or o!r private       
organization1 z applicable1 %all pay !  
am\nt ( ! diff]5ce to ! ,adm9i/rator2 & 
7#b7 ! ,adm9i/rator %all deposit ! am\nt
 paid "u p>agraph 7#a7 9 ! ,national    
,flood ,insurance ,fund4  4  #djf4      
,policyhold] "r to "k ,section #acab ( !

 ,national ,flood ,insurance ,act (     
#aifh 7#db ,u4,s4,c4 #djai71 z am5d$ by 
section #djd1 is am5d$ by add+ at ! end 
! foll[+3  7f7 ,availability (          
claim-,relat$ docum5ts  7#a7 ,def9ition 
,9 ?is subsection1 ! t]m claim-relat$   
docum5t means any docum5t t is prep>$ = 
! purposes ( assess+ a claim = losses   
cov]$ by flood insurance made available 
"u ?is title4  7#b7 ,availability (     
docum5ts ,any entity s]vic+ a claim "u !
 national flood insurance program-- 7,a7
 %all reta9 ea* claim-relat$ docum5t    
prep>$ by or = ! entity2  7,b7 n lat]   
?an #g days aft] receiv+ a reque/ f a   
claimant or an au?oriz$ repres5tative ( 
a claimant = a copy ( a claim-relat$    
docum5t describ$ 9 subp>agraph 7,a7 t   
p]ta9s to ! claimant1 %all provide !    
copy to ! claimant or repres5tative2 &  
7,c7 n lat] ?an #cj days aft] receiv+   
notice ( a claim1 %all notify ! claimant
 t ! claimant or an au?oriz$            
repres5tative ( ! claimant may obta91 ^u
 reque/1 a copy ( any claim-relat$      

docum5t describ$ 9 subp>agraph 7,a7 t   
p]ta9s to ! claimant4  4  #djg4         
,increas+ /atute ( limitations =        
lawsuits  7a7 ,gov]nm5t program )       
indu/ry assi/ance ,section #acda ( !    
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #djgb7 is am5d$ to read 
z foll[s3  #acda4 ,adju/m5t & paym5t (  
claims & judicial review  7a7 ,adju/m5t 
& paym5t ( claims ,if ! program is c>ri$
 out z provid$ 9 section #acdj1 !       
,adm9i/rator may adju/ & make paym5t (  
any claims = prov$ & approv$ losses     
cov]$ by flood insurance4  7b7 ,judicial
 review  7#a7 ,"r ( action ,^u !        
disall[ance or p>tial disall[ance by !  
,adm9i/rator ( a claim describ$ 9       
subsection 7a71 or ^u ! refusal ( !     
claimant to accept ! am\nt all[$ ^u a   
claim describ$ 9 t subsection1 !        
claimant may in/itute an action aga9/ ! 
,adm9i/rator on ! claim 9 ! ,unit$      
,/ates di/rict c\rt = ! di/rict 9 :i* ! 
insur$ prop]ty or ! major "p !re( %all h
 be5 situat$ n lat] ?an #b ye>s aft] !  

lat] (--  7,a7 ! date on :i* ! claimant 
receives notice ( disall[ance or p>tial 
disall[ance ( ! claim2 or  7,b7 9 ! case
 ( a d5ial ( a claim = losses t is      
appeal$ to ! ,adm9i/rator1 ! date on :i*
 ! claimant receives notice ( a f9al    
det]m9ation ^u appeal d5y+ ! claim 9    
:ole or 9 "p4  7#b7 ,jurisdiction ,a    
c\rt describ$ 9 p>agraph 7#a7 %all h    
orig9al exclusive jurisdiction to he> & 
det]m9e an action "u t p>agraph )\t     
reg>d to ! am\nt 9 controv]sy4  4  7b7  
,indu/ry program ) ,f$]al f9ancial      
assi/ance ,section #accc ( ! ,national  
,flood ,insurance ,act ( #aifh 7#db     
,u4,s4,c4 #djec7 is am5d$ to read z     
foll[s3  #accc4 ,adju/m5t & paym5t (    
claims & judicial review  7a7 ,adju/m5t 
& paym5t ( claims ,! insurance companies
 & o!r insur]s t =m1 associate1 or      
o!rwise jo9 toge!r 9 ! pool "u ?is "p   
may adju/ & pay all claims = prov$ &    
approv$ losses cov]$ by flood insurance 
9 accordance ) ! provisions ( ?is title4
  7b7 ,judicial review  7#a7 ,"r (      

action ,^u ! disall[ance or p>tial      
disall[ance by any company or o!r insur]
 describ$ 9 subsection 7a7 ( a claim    
describ$ 9 t subsection1 or ^u ! refusal
 ( ! claimant to accept ! am\nt all[$ ^u
 a claim describ$ 9 t subsection1 !     
claimant may in/itute an action on !    
claim aga9/ ! company or o!r insur] 9 ! 
,unit$ ,/ates di/rict c\rt = ! di/rict 9
 :i* ! insur$ prop]ty or ! major "p !re(
 %all h be5 situat$ n lat] ?an #b ye>s  
aft] ! lat] (--  7,a7 ! date on :i* !   
claimant receives notice ( disall[ance  
or p>tial disall[ance ( ! claim2 or     
7,b7 9 ! case ( a d5ial ( a claim =     
losses t is appeal$ to ! ,adm9i/rator1 !
 date on :i* ! claimant receives notice 
( a f9al det]m9ation ^u appeal d5y+ !   
claim 9 :ole or 9 "p4  7#b7             
,jurisdiction ,a c\rt describ$ 9        
p>agraph 7#a7 %all h orig9al exclusive  
jurisdiction to he> & det]m9e an action 
"u t p>agraph )\t reg>d to ! am\nt 9    
controv]sy4  4  #djh4 ,attorney fee     
%ift+  7a7 ,adm9i/rative appeals        

,subsection 7d7 ( section #acab ( !     
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #djai71 z am5d$ by      
section #djd1 is am5d$ by add+ at ! end 
! foll[+3  7#e7 ,aw>ds = co/s 9         
adm9i/rative proce$+s  7,a7 ,9 g5]al ,if
 ! claimant prevails 9 any appeal to !  
,adm9i/rator ( ! disall[ance or p>tial  
disall[ance ( a claim = losses cov]$ by 
flood insurance made available "u ?is   
title1 ! ,adm9i/rator %all aw>d co/s ( !
 appeal1 includ+ attorney fees1 any     
proce$+ exp5ses1 & eng9e]+ & o!r exp]t  
exp5ses1 to ! claimant4  7,b7 ,def9ition
 ,= purposes ( ?is p>agraph1 ! t]m      
prevail means to be aw>d$ a great] am\nt
 by ! ,adm9i/rator ?an ! am\nt ( ! la/1 
be/ (f] f ! ,adm9i/rator ) respect to ! 
claim ( ! claimant4  4  7b7 ,judicial   
review  7#a7 ,gov]nm5t program ) indu/ry
 assi/ance ,subsection 7b7 ( section    
#acda ( ! ,national ,flood ,insurance   
,act ( #aifh 7#db ,u4,s4,c4 #djgb71 z   
add$ by section #djg1 is am5d$ by add+  
at ! end ! foll[+3  7#c7 ,attorney fees 

& o!r litigation co/s  7,a7 ,9 g5]al ,if
 ! claimant prevails 9 an action "u ?is 
subsection1 ! c\rt %all aw>d reasonable 
co/s ( litigation1 includ+ attorney     
fees1 litigation exp5ses1 & eng9e]+ &   
o!r exp]t exp5ses1 to ! claimant4  7,b7 
,subrogation ,any aw>d "u subp>agraph   
7,a7 %all be paid by ! ,adm9i/rator &1  
^u su* paym5t1 ! ,adm9i/rator %all be   
subrogat$ to ! rights ( ! claimant to   
recov] su* co/s = :i* ! ,adm9i/rator has
 comp5sat$ ! claimant f any insurance   
company or o!r insur] or insurance      
adju/m5t organization t may be          
responsible = ! disall[ance or p>tial   
disall[ance ( ! claim4  7,c7 ,def9ition 
,= purposes ( ?is p>agraph1 ! t]m       
prevail means to be aw>d$ a great] am\nt
 by ! c\rt ?an ! am\nt ( ! la/1 be/ (f] 
f ! ,adm9i/rator ) respect to ! claim ( 
! claimant4  4  7#b7 ,indu/ry program ) 
,f$]al f9ancial assi/ance ,subsection   
7b7 ( section #accc ( ! ,national ,flood
 ,insurance ,act ( #aifh 7#db ,u4,s4,c4 
#djec71 z am5d$ by section #djg1 is     

am5d$ by add+ at ! end ! foll[+3  7#c7  
,attorney fees & o!r litigation co/s    
7,a7 ,9 g5]al ,if ! claimant prevails 9 
an action "u ?is subsection1 ! c\rt %all
 aw>d reasonable co/s ( litigation1     
includ+ attorney fees1 litigation       
exp5ses1 & eng9e]+ & o!r exp]t exp5ses1 
to ! claimant4  7,b7 ,subrogation ,any  
aw>d "u subp>agraph 7,a7 %all be paid by
 ! ,adm9i/rator &1 ^u su* paym5t1 !     
,adm9i/rator %all be subrogat$ to !     
rights ( ! claimant to recov] su* co/s =
 :i* ! ,adm9i/rator has comp5sat$ !     
claimant f any company or o!r insur]    
responsible = ! disall[ance or p>tial   
disall[ance ( ! claim4  7,c7 ,def9ition 
,= purposes ( ?is p>agraph1 ! t]m       
prevail means to be aw>d$ a great] am\nt
 by ! c\rt ?an ! am\nt ( ! la/1 be/ (f] 
f ! insur] or ,adm9i/rator ) respect to 
! claim ( ! claimant4  4  #dji4 ,,doj   
def5se aga9/ policyhold] lawsuits       
,subsection 7b7 ( section #acda ( !     
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #djgb71 z am5d$ by      

section #djh1 is am5d$ by add+ at ! end 
! foll[+3  7#d7 ,repres5tation by       
,dep>tm5t ( ,ju/ice ,if a claimant      
in/itutes an action "u ?is subsection-- 
7,a7 ! ,adm9i/rator %all ref] ! matt] to
 ! ,attorney ,g5]al2 &  7,b7 ! ,attorney
 ,g5]al-- 7i7 %all repres5t !           
,adm9i/rator or ! ,write ,y\r ,own      
company1 z applicable1 9 ! action2 &    
7ii7 may n seek to h ! c\rt dismiss an  
action ) pot5tial m]itori\s claims bas$ 
on good fai? errors or omissions by !   
claimant 9 ! claimant's pro( ( loss4  4 
#daj4 ,/udy on p>ticipation rates  7a7  
,def9itions ,9 ?is section-- 7#a7 ! t]m 
#ejj-ye> floodpla9 has ! mean+ giv5 !   
t]m 9 section #ajjbjb7;a7 ( !           
,bigg]t-,wat]s ,flood ,insurance ,re=m  
,act ( #bjab 7#dj ,u4,s4,c4 #djjd7;a772 
7#b7 ! t]ms ,f$]al ag5cy l5d]1 improv$  
real e/ate1 & regulat$ l5d+ in/itution h
 ! mean+s giv5 ^? t]ms 9 section #c7;a7 
( ! ,flood ,disa/] ,protection ,act (   
#aigc 7#db ,u4,s4,c4 #djjc7;a772 &  7#c7
 ! t]m prop]ty ) a f$]ally back$        

mortgage means improv$ real e/ate or a  
mobile home secur+ a loan t 0-- 7,a7    
made by a regulat$ l5d+ in/itution or   
,f$]al ag5cy l5d]2 or  7,b7 pur*as$ by !
 ,f$]al ,national ,mortgage ,association
 or ! ,f$]al ,home ,loan ,mortgage      
,corporation4  7b7 ,/udy ,n lat] ?an #a 
ye> aft] ! date ( enactm5t ( ?is ,act1 !
 ,adm9i/rator %all /udy & submit to     
,congress a report t describes--  7#a7 !
 p]c5tage ( prop]ties ) f$]ally back$   
mortgages locat$ 9 an area hav+ special 
flood haz>ds t are cov]$ by flood       
insurance t satisfies ! requirem5t "u   
section #ajb7;b7 ( ! ,flood ,disa/]     
,protection ,act ( #aigc 7#db ,u4,s4,c4 
#djab;a7b772 &  7#b7 ! p]c5tage (       
prop]ties ) f$]ally back$ mortgages     
locat$ 9 ! #ejj-ye> floodpla9 t are     
cov]$ by flood insurance t w\ld satisfy 
! requirem5t describ$ 9 p>agraph 7#a7 if
 t requirem5t appli$ to su* prop]ties4  
#daa4 ,f$]al ,flood ,insurance ,advisory
 ,committee ,"p ,c ( *apt] ,,ii ( !     
,national ,flood ,insurance ,act ( #aifh

 7#db ,u4,s4,c4 #djha et seq47 is am5d$ 
by add+ at ! end ! foll[+3  #acdi4      
,f$]al ,flood ,insurance ,advisory      
,committee  7a7 ,e/abli%m5t ,!re is     
e/abli%$ an advisory committee to be    
kn[n z ! ,f$]al ,flood ,insurance       
,advisory ,committee 79 ?is section     
ref]r$ to z ! ,committee74  7b7         
,memb]%ip  7#a7 ,memb]s ,! ,committee   
%all consi/ (-- 7,a7 ! ,adm9i/rator1 or 
! designee !re(2  7,b7 ! ,secret>y ( !  
,treasury1 or ! designee !re(2 &  7,c7  
additional memb]s appo9t$ by !          
,adm9i/rator or ! designee !re(1 :o %all
 be--  7i7 #b repres5tatives ( ! prop]ty
 & casualty insurance sector2  7ii7 #a  
individual :o s]v$ 9 ! pa/1 or is       
curr5tly s]v+1 z an insurance regulator 
( a ,/ate1 ! ,di/rict ( ,columbia1 !    
,commonweal? ( ,pu]to ,rico1 ,guam1 !   
,commonweal? ( ! ,nor!rn ,m>iana ,isl&s1
 ! ,virg9 ,isl&s1 ,am]ican ,samoa1 or   
any f$]ally-recogniz$ ,indian tribe2    
7iii7 #a repres5tative ( ! f9ancial     
sector or insurance sector :o is involv$

 9 risk transf]s1 includ+ re9surance1   
resili5ce bonds1 & o!r insurance-l9k$   
securities2  7iv7 #a actu>y ) demon/rat$
 high-level k ( cata/rophic risk        
insurance2  7v7 #b insurance            
pr(essionals ) demon/rat$ exp]i5ce ) !  
sale ( flood insurance "u ! national    
flood insurance program2  7vi7 #b       
repres5tatives ( cata/rophic risk       
insurance programs2  7vii7 #a insurance 
claims speciali/2  7viii7 #a            
repres5tative ( a recogniz$ consum]     
advocacy organization2  7ix7 #a         
individual hav+ demon/rat$ exp]tise 9 ! 
*all5ges 9 insur+ l[-income communities2
  7x7 #a repres5tative f an academic    
in/itution :o has demon/rat$ exp]tise 9 
insurance2 &  7xi7 any o!r recogniz$    
exp]ts 9 ! field ( insurance t !        
,adm9i/rator consid]s necess>y4  7#b7   
,qualifications ,9 appo9t+ memb]s "u    
p>agraph 7#a77;,c71 ! ,adm9i/rator %all1
 to ! maximum ext5t practicable1 ensure 
! memb]%ip ( ! ,committee has a balance 
( memb]s reflect+ geographic div]sity1  

includ+ repres5tation f areas inl& or ) 
coa/l9e id5tifi$ by ! ,adm9i/rator z at 
high risk = flood+ or z areas hav+      
special flood haz>ds4  7c7 ,duties ,!   
,committee %all review1 & make          
recomm5dations to ! ,adm9i/rator1 ^u    
reque/1 on matt]s relat$ to ! insurance 
aspects ( ! national flood insurance    
program1 includ+ ratemak+1 te*nology to 
adm9i/] insurance1 risk assessm5t1      
actu>ial practices1 claims practices1   
sales & insurance deliv]y1 comp5sation &
 all[ances1 g5]ally & bas$ on !         
complexities ( ! program1 & be/         
insurance practices4  7d7 ,*airp]son ,! 
memb]s ( ! ,committee %all elect #a     
memb] to s]ve z ! *airp]son ( !         
,committee 79 ?is subsection ref]r$ to z
 ! ,*airp]son74  7e7 ,comp5sation       
,memb]s ( ! ,committee %all receive no  
additional comp5sation by reason ( _!   
s]vice on ! ,committee4  7f7 ,meet+s &  
actions  7#a7 ,9 g5]al ,! ,committee--  
7,a7 %all meet n less frequ5tly ?an     
twice ea* ye> at ! reque/ ( ! ,*airp]son

 or a majority ( ! memb]s ( !           
,committee2 &  7,b7 may take action by a
 vote ( ! majority ( ! memb]s 9         
accordance ) ! *>t] ( ! ,committee4     
7#b7 ,initial meet+ ,! ,adm9i/rator1 or 
a designee !re(1 %all reque/ & coord9ate
 ! initial meet+ ( ! ,committee4  7g7   
,/aff ( ,,fema ,^u ! reque/ ( !         
,*airp]son1 ! ,adm9i/rator may detail1  
on a nonreimbursable basis1 p]sonnel ( !
 ,f$]al ,em]g5cy ,managem5t ,ag5cy to   
assi/ ! ,committee 9 c>ry+ out ! duties 
( ! ,committee4  7h7 ,p[]s ,9 c>ry+ out 
?is section1 ! ,committee may hold      
he>+s1 receive evid5ce & assi/ance1     
provide in=mation1 & conduct rese>*1 z !
 ,committee consid]s appropriate4  7i7  
,reports to ,congress ,! ,adm9i/rator1  
on an annual basis1 %all report to !    
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives1 ! ,committee on
 ,bank+1 ,h\s+1 & ,urban ,affairs ( !   
,s5ate1 & ! ,(fice ( ,managem5t &       
,budget on--  7#a7 ! recomm5dations made
 by ! ,committee2  7#b7 actions tak5 by 

! ,f$]al ,em]g5cy ,managem5t ,ag5cy to  
address ! recomm5dations describ$ 9     
p>agraph 7#a7 to improve ! insurance    
aspects ( ! ,national ,flood ,insurance 
,program2 &  7#c7 any recomm5dations    
describ$ 9 p>agraph 7#a7 t h be5 def]r$ 
or n act$ ^u1 toge!r ) an explanatory   
/atem5t ) respect to ^? recomm5dations4 
7j7 ,applicability ( ! ,f$]al ,advisory 
,committee ,act ,section #ad ( ! ,f$]al 
,advisory ,committee ,act 7#e ,u4,s4,c4 
,app47 %all n apply to ! ,committee4  4 
#dab4 ,au?ority to t]m9ate contractors &
 v5dors  7a7 ,9 g5]al ,"p ,c ( *apt]    
,,ii ( ! ,national ,flood ,insurance    
,act ( #aifh 7#db ,u4,s4,c4 #djha et    
seq471 z am5d$ by section #daa1 is am5d$
 by add+ at ! end ! foll[+3  #acej4     
,t]m9ation ( contracts  7a7 ,def9ition  
,9 ?is section1 ! t]m cov]$ entity means
 any attorney1 law firm1 consultant1 or 
?ird-p>ty company t provides s]vices to 
a ,write ,y\r ,own company4  7b7        
,t]m9ation  7#a7 ,9 g5]al ,not)/&+ any  
o!r provision ( law1 ! ,adm9i/rator may 

t]m9ate a contract or o!r agreem5t      
betwe5 a cov]$ entity & a ,write ,y\r   
,own company if ! ,adm9i/rator--  7,a7  
det]m9es t ! cov]$ entity has engag$ 9  
conduct t is detrim5tal to ! national   
flood insurance program2 &  7,b7 n lat] 
?an #ad days be=e t]m9at+ ! contract or 
o!r agreem5t1 provid$ notice to ! cov]$ 
entity ( ! t]m9ation4  7#b7 ,appeal ,!  
,adm9i/rator %all e/abli% a process = a 
cov]$ entity to appeal ! t]m9ation ( a  
contract or o!r agreem5t "u p>agraph    
7#a74  7#c7 ,e>ly t]m9ation pay\ts ,!   
,adm9i/rator or a ,write ,y\r ,own      
company is n requir$ to make any e>ly   
t]m9ation pay\t to a cov]$ entity )     
respect to a contract or agreem5t ) !   
,write ,y\r ,own company t !            
,adm9i/rator t]m9ates "u p>agraph 7#a74 
4  7b7 ,effective date2 applicability ,!
 am5dm5t made by subsection 7a7 %all    
apply to any contract or o!r agreem5t   
betwe5 a cov]$ entity1 z def9$ 9 section
 #acej7;a7 ( ! ,national ,flood         
,insurance ,act ( #aifh1 z add$ by      

subsection 7a71 & a ,write ,y\r ,own    
company t is ent]$ into on or aft] !    
date ( enactm5t ( ?is ,act4  #dac4 ,eas+
 pro( ( loss requirem5ts  7a7 ,9 g5]al  
,section #acab ( ! ,national ,flood     
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djai71 z am5d$ by section #djf1 is     
am5d$ by add+ at ! end ! foll[+3  7g7   
,pro( ( loss  7#a7 ,requir$ notice ,n   
lat] ?an #a ye> aft] ! date on :i*      
damage to or loss ( a prop]ty t is cov]$
 by flood insurance made available "u   
?is title occurs1 ! policyhold] )       
respect to ! cov]$ prop]ty may submit a 
pro( ( loss notice t conta9s only su*   
in=mation z is necess>y to docum5t !    
damage or loss1 includ+--  7,a7 ! am\nt 
claim$ = ! damage to or loss ( !        
prop]ty2 &  7,b7 ! signature ( !        
policyhold] atte/+ to ! accuracy ( !    
am\nt claim$ & ! in=mation suppli$ to   
docum5t ! damage or loss4  7#b7         
,supplem5tal pro( ,n lat] ?an #a ye>    
aft] ! date on :i* a policyhold] submits
 a pro( ( loss notice "u p>agraph 7#a7 )

 respect to a prop]ty t is cov]$ by     
flood insurance made available "u ?is   
title1 ! policyhold] may submit         
supplem5tal in=mation to support an     
increase 9 ! am\nt claim$ 9 ! pro( (    
loss notice if ! policyhold] discov]s   
fur!r damage to ! prop]ty or o!rwise    
det]m9es t ! am\nt claim$ 0 insuffici5t4
  7#c7 ,errors or omissions ,an error or
 hone/ omission 9 a pro( ( loss notice  
or 9 supplem5tal in=mation submitt$ by a
 policyhold] "u p>agraph 7#a7 or 7#b71  
respectively1 ) respect to a prop]ty t  
is cov]$ by flood insurance made        
available "u ?is title may n be us$ to  
d5y ! "r ( ! policyhold]--  7,a7 to     
receive a paym5t = ! damage to or loss (
 ! prop]ty2 or  7,b7 to appeal or       
o!rwise *all5ge ! am\nt receiv$ = !     
damage to or loss ( ! prop]ty4  4  7b7  
,applicability ,! am5dm5t made by       
subsection 7a7 %all apply to any claim =
 damage to or loss ( prop]ty t is cov]$ 
by flood insurance "u ! ,national ,flood
 ,insurance ,program t is p5d+ on1 or   

made aft]1 ! date ( enactm5t ( ?is ,act4
  #dad4 ,elevation c]tificates ,*apt] ,i
 ( ! ,national ,flood ,insurance ,act ( 
#aifh 7#db ,u4,s4,c4 #djaa et seq471 z  
am5d$ by section #ajc1 is am5d$ by add+ 
at ! end ! foll[+3  #acbg4 ,elevation   
c]tificates  7a7 ,no expiration date    
,survey$ elevation data & o!r in=mation 
relat+ to a build+ t is record$ on a    
,national ,flood ,insurance ,program    
,elevation ,c]tificate by an individual 
lic5s$ to record t in=mation %all       
cont9ue to be 9 effect1 & ! ,elevation  
,c]tificate %all n expire1 until ! date 
on :i* !re is an alt]ation 9 ! build+ or
 to ! topography surr\nd+ ! p]imet] ( ! 
build+4  7b7 ,elevation datum ,) respect
 to a ,national ,flood ,insurance       
,program ,elevation ,c]tificate = a     
build+1 if ! elevation datum us$ to     
det]m9e ! base flood elevation at !     
build+ is diff]5t ?an ! elevation datum 
us$ to calculate ! build+ elevation1 a  
datum conv]sion %all be p]=m$ to ensure 
t ! same elevation datum is us$ to      

calculate ! base flood elevation & !    
build+ elevation4  4  #dae4 ,mon?ly     
in/allm5t paym5t = premiums ,n lat] ?an 
#ahj days aft] ! date ( enactm5t ( ?is  
,act1 ! ,adm9i/rator %all-- 7#a7        
implem5t ! requirem5t = mon?ly in/allm5t
 paym5ts ( premiums provid$ "u section  
#acjh7;g7 ( ! ,national ,flood          
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djae7;g772 or  7#b7 submit to ,congress
 an explanation ( ! reasons :y !        
,adm9i/rator _c implem5t ! requirem5t   
describ$ 9 p>agraph 7#a7 dur+ t         
#ahj-;day p]iod4  #daf4 ,pilot program =
 pre-exi/+ /ructural conditions  7a7    
,def9itions ,9 ?is section-- 7#a7 ! t]m 
cov]$ prop]ty means a prop]ty t is or   
may be cov]$ by flood insurance "u !    
,national ,flood ,insurance ,program2 & 
7#b7 ! t]m cov]$ policyhold] means a    
policyhold] or pot5tial policyhold] (   
flood insurance "u ! ,national ,flood   
,insurance ,program = a cov]$ prop]ty4  
7b7 ,pilot program ,n lat] ?an #ahj days
 aft] ! date ( enactm5t ( ?is ,act1 !   

,adm9i/rator %all e/abli% a pilot       
program "u :i* ,write ,y\r ,own         
companies & ,national ,flood ,insurance 
,program direct s]vic]s %all1 at !      
reque/ ( a cov]$ policyhold] & be=e     
provid+ or r5ew+ insurance cov]age )    
respect to a cov]$ prop]ty "u !         
,national ,flood ,insurance ,program1   
inve/igate ! pre-exi/+ /ructural        
condition ( ! cov]$ prop]ty = any issues
 t c\ld result 9 ! d5ial ( a claim "u ! 
,national ,flood ,insurance ,program =  
damage to or loss ( ! cov]$ prop]ty4    
#dag4 ,deadl9e = claim process+  7a7 ,9 
g5]al ,section #acab ( ! ,national      
,flood ,insurance ,act ( #aifh 7#db     
,u4,s4,c4 #djai71 z am5d$ by section    
#dac1 is am5d$ by add+ at ! end !       
foll[+3  7h7 ,deadl9e = approval (      
claims  7#a7 ,9 g5]al ,! ,adm9i/rator   
%all provide t1 9 ! case ( a claim =    
damage to or loss ( prop]ty t is cov]$  
by flood insurance made available "u ?is
 title--  7,a7 except z provid$ 9       
p>agraph 7#b71 n lat] ?an #cj days aft] 

! date on :i* ! claim is made--  7i7 a  
f9al det]m9ation reg>d+ approval ( !    
claim = paym5t or disapproval ( ! claim 
%all be made2 &  7ii7 notification ( !  
det]m9ation %all be provid$ to ! insur$ 
mak+ ! claim2 &  7,b7 paym5t ( an       
approv$ claim %all be made z soon z     
possible aft] t approval4  7#b7         
,ext5sion ( deadl9e ,! ,adm9i/rator     
%all-- 7,a7 provide t ! p]iod describ$ 9
 p>agraph 7#a77;,a7 may be ext5d$ by a  
s+le additional p]iod ( #ae days "u     
extraord9>y circum/ances2 &  7,b7 by    
regulation1 e/abli% crit]ia =-- 7i7     
demon/rat+ ! extraord9>y circum/ances   
describ$ 9 subp>agraph 7,a72 &  7ii7    
det]m9+ to :i* claims ! extraord9>y     
circum/ances describ$ 9 subp>agraph 7,a7
 apply4  4  7b7 ,applicability ,!       
am5dm5t made by subsection 7a7 %all     
apply to any claim = damage to or loss (
 prop]ty t is cov]$ by flood insurance  
made available "u ! ,national ,flood    
,insurance ,program t is p5d+ on1 or    
made aft]1 ! date ( enactm5t ( ?is ,act4

  #dah4 ,eng9e] ov]sight & c]tification 
,"p ,c ( *apt] ,,ii ( ! ,national ,flood
 ,insurance ,act ( #aifh 7#db ,u4,s4,c4 
#djha et seq471 z am5d$ by section #dab1
 is am5d$ by add+ at ! end ! foll[+3    
#acea4 ,ov]sight & c]tification (       
eng9e]s  7a7 ,def9ition ,9 ?is section1 
! t]m cov]$ eng9e]+ s]vices means       
eng9e]+ s]vices provid$ 9 connection )  
insurance cov]age provid$ "u ?is title4 
7b7 ,qualifications ,! ,adm9i/rator %all
 require t any individual :o provides   
cov]$ eng9e]+ s]vices1 includ+ s]vices 9
 connection ) assess+ any claim = losses
 cov]$ by a policy = t cov]age1 %all--  
7#a7 h regi/]$ ) & c]tifi$ to !         
,adm9i/rator t ! eng9e] is pr(essionally
 lic5s$ to practice z an eng9e] 9 !     
,/ate 9 :i* ! eng9e] is provid+ ! cov]$ 
eng9e]+ s]vices2  7#b7 h exp]tise 9 a   
p>ticul> discipl9e ( eng9e] or act )9 ! 
area ( ! compet5cy ( ! eng9e]1 z !      
,adm9i/rator %all require2 &  7#c7 be   
c]tifi$ by ! ,adm9i/rator pursuant to   
subsection 7c74  7c7 ,c]tification by   

,,fema  7#a7 ,requirem5t ,! ,adm9i/rator
 %all c>ry out a program to c]tify      
eng9e]s z qualifi$ to provide cov]$     
eng9e]+ s]vices4  7#b7 ,cont5ts ,!      
program c>ri$ out "u p>agraph 7#a7      
%all-- 7,a7 include an initial tra9+    
sem9>2  7,b7 provide su* /&>ds & te/+   
requirem5ts z ! ,adm9i/rator %all       
e/abli%2 &  7,c7 require an annual      
r5ewal ( c]tification ?r\gh cont9u+     
education4  7d7 ,fees  7#a7 ,/&>diz$    
s*$ule ,! ,adm9i/rator %all e/abli% a   
/&>diz$ fee s*$ule = all cov]$ eng9e]+  
s]vices1 :i* %all be simil> to ! fee    
s*$ule ( ! ,adm9i/rator us$ = companies 
adju/+ claims "u insurance cov]age      
provid$ "u ?is title4  7#b7             
,reimbursem5t ,any reimbursem5t or o!r  
all[ance1 paym5t1 or comp5sation provid$
 by ! ,adm9i/rator to a ,write ,y\r ,own
 company ) respect to cov]$ eng9e]$     
s]vices may n exce$ ! applicable /&>diz$
 fees = ^? s]vices e/abli%$ "u p>agraph 
7#a74  7e7 ,id5tification numb]s ,!     
,adm9i/rator %all e/abli% a sy/em to    

provide a unique num]ical id5tifi] = ea*
 eng9e] :o provides cov]$ eng9e]+       
s]vices to assi/ 9 track+ pa/ p]=mance 9
 ! provision ( ^? s]vices4  7f7         
,submission ( docum5tation ,) respect to
 a ,write ,y\r ,own company1 !          
,adm9i/rator %all-- 7#a7 require !      
,write ,y\r ,own company to obta9 f ea* 
provid] ( cov]$ eng9e]+ s]vices = !     
,write ,y\r ,own company1 includ+ any   
subcontractor--  7,a7 docum5tation      
suffici5t to itemize & disaggregate !   
co/s & fees = ^? s]vices1 includ+ ! co/s
 & fees = any subcontractor2 &  7,b7 all
 photos1 notes1 draft reports1 & o!r    
docum5tation relat+ to provid+ ^?       
s]vices 9 connection ) a claim "u       
insurance cov]age provid$ "u ?is title2 
7#b7 make available to ! ,write ,y\r    
,own company-- 7,a7 ! fee s*$ule        
e/abli%$ "u subsection 7d77#a72 &  7,b7 
su* o!r in=mation z may be necess>y to  
enable ! ,write ,y\r ,own company to    
det]m9e :e!r ! co/s & fees *>g$ by      
provid]s ( cov]$ eng9e]+ s]vices are    

reasonable 9 relation to ! s]vices      
provid$2 &  7#c7 require ! ,write ,y\r  
,own company to make available to !     
,adm9i/rator1 be=e any reimbursem5t or  
o!r all[ance1 paym5t1 or comp5sation is 
provid$ to ! ,write ,y\r ,own company 9 
connection ) cov]$ eng9e]+ s]vices      
provid$1 all support+ docum5tation      
relat+ to ^? s]vices4  4  #dai4 ,eng9e] 
reports  ,section #acab ( ! ,national   
,flood ,insurance ,act ( #aifh 7#db     
,u4,s4,c4 #djai71 z am5d$ by section    
#dag1 is am5d$ by add+ at ! end !       
foll[+3  7i7 ,f9al eng9e]+ reports  7#a7
 ,def9itions ,9 ?is subsection-- 7,a7 ! 
t]m cov]$ claim means any claim = losses
 cov]$ by a policy = flood insurance    
cov]age provid$ "u ?is title2 &  7,b7 ! 
t]m f9al eng9e]+ report means an eng9e]+
 report1 survey1 or o!r docum5t 9       
connection ) a cov]$ claim t-- 7i7 is   
bas$ on ! on-site inspection2  7ii7     
conta9s f9al conclusions ) respect to an
 eng9e]+ issue or issues involv$ 9 !    
claim2 &  7iii7 is sign$ by !           

responsible 9 *>ge or affix$ ) ! seal ( 
! responsible 9 *>ge1 or bo?4  7#b7     
,prohibition on manipulation &          
transmission to ?ird p>ties ,!          
,adm9i/rator %all require t1 9 ! case ( 
any on-site inspection ( a prop]ty by an
 eng9e] = ! purpose ( assess+ any cov]$ 
claim1 ! f9al eng9e]+ report--  7,a7 may
 n-- 7i7 include alt]ations by1 or at ! 
reque/ (1 anyone o!r ?an ! responsible 9
 *>ge = ! report2 or  7ii7 be transmitt$
 to any o!r p]son be=e ! f9al eng9e]+   
report is transmitt$ to ! policyhold] :o
 submitt$ ! cov]$ claim2 &  7,b7 %all   
include a c]tification1 sign$ by !      
responsible 9 *>ge = ! f9al eng9e]+     
report1 t ! f9al eng9e]+ report does n  
conta9 any alt]ations describ$ 9        
subp>agraph 7,a74  7#c7 ,transmission ( 
report )\t approval ,a ,write ,y\r ,own 
company or a national flood insurance   
program direct s]vic] may1 )\t obta9+   
fur!r review or approval by !           
,adm9i/rator1 transmit to a policyhold] 
a f9al eng9e]+ report 9 ! possession ( !

 ,write ,y\r ,own company or ! direct   
s]vic] 9 connection ) a cov]$ claim     
submitt$ by ! policyhold]4  4  #dbj4    
,improv$ tra9+ ( ag5ts & adju/]s  7a7   
,ag5t tra9+  7#a7 ,9 g5]al ,!           
,adm9i/rator %all require ea* insurance 
ag5t t issues /&>d flood insurance      
policies on behalf ( ! ,national ,flood 
,insurance ,program 7"u ! ,write ,y\r   
,own ,program7 or directly f ! ,national
 ,flood ,insurance ,program to take--   
7,a7 an introductory c\rse t in/ructs   
insurance ag5ts on h[ to fill out an    
application = a flood insurance policy2 
&  7,b7 annual cont9u+ education c\rses 
on-- 7i7 any *anges 9 ! flood insurance 
manual or ! ,national ,flood ,insurance 
,program ,elevation ,c]tificate--  7ii7 
any increas$ co/s ( compliance2  7iii7  
flood insurance mapp+2 &  7iv7 any o!r  
modifications to ! ,national ,flood     
,insurance ,program t influ5ce ! rat+ ( 
a flood insurance policy4  7#b7 ,record 
( tra9+ ,! ,adm9i/rator %all ma9ta9 a   
record ( ea* insurance ag5t t takes a   

c\rse describ$ 9 subp>agraph 7,a7 or    
7,b7 ( p>agraph 7#a74  7b7 ,c]tification
 ( adju/]s  7#a7 ,9 g5]al ,ea* insurance
 claims adju/] act+ z an insurance ag5t 
= a ,write ,y\r ,own company %all-- 7,a7
 by c]tifi$ by ! ,adm9i/rator to act z  
an insurance ag5t2 or  7,b7 act "u !    
direct sup]vision ( an insurance claims 
adju/] c]tifi$ "u ! ,national ,flood    
,insurance ,program4  7#b7 ,onl9e c\rse 
7,a7 ,9 g5]al ,ea* insurance claims     
adju/] respond+ to 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 
#eagj7 %all1 if det]m9$ appropriate by !
 ,f$]al coord9at+ (fic] op]at+ 9 !      
affect$ area1 take an onl9e refre%]     
c\rse provid$ by ! ,adm9i/rator to      
prep>e ! insurance claims adju/] = !    
unique circum/ances ( ! major disa/]4   
7,b7 ,record ( tra9+ ,! ,adm9i/rator    
%all ma9ta9 a record ( ea* insurance    
claims adju/] t takes an onl9e refre%]  
c\rse describ$ 9 subp>agraph 7,a74  7c7 

,local floodpla9 manag]s ,ea* regional  
(fice ( ! ,f$]al ,em]g5cy ,managem5t    
,ag5cy %all-- 7#a7 provide tra9+ to     
local floodpla9 manag]s 9 ! region on ! 
responsibilities & proc$ures ( local    
floodpla9 manag]s ) respect to conduct+ 
sub/antial damage & sub/antial          
improvem5t det]m9ations2 &  7#b7 "w )   
applicable ,/ate ag5cies to provide !   
tra9+ describ$ 9 p>agraph 7#a7 & v]ify t
 local floodpla9 manag]s are complet+ ! 
tra9+4  #dba4 ,ag5t ,advisory ,c\ncil   
,"p ,c ( *apt] ,,ii ( ! ,national ,flood
 ,insurance ,act ( #aifh 7#db ,u4,s4,c4 
#djha et seq471 z am5d$ by section #dah1
 is am5d$ by add+ at ! end ! foll[+3    
#aceb4 ,ag5t ,advisory ,c\ncil  7a7     
,e/abli%m5t ,!re is e/abli%$ a c\ncil to
 be kn[n z ! ,ag5t ,advisory ,c\ncil 79 
?is section ref]r$ to z ! ,c\ncil74  7b7
 ,memb]%ip  7#a7 ,memb]s ,! ,c\ncil %all
 consi/ (-- 7,a7 ! ,adm9i/rator1 or !   
designee ( ! ,adm9i/rator2 &  7,b7 #ab  
additional memb]s appo9t$ by !          
,adm9i/rator or ! designee ( !          

,adm9i/rator1 ( :om-- 7i7 #a %all be a  
memb] ( ! ,national ,association (      
,insurance ,commission]s2  7ii7 #a %all 
be a memb] ( ! ,indep5d5t ,insurance    
,ag5ts & ,brok]s ( ,am]ica2  7iii7 #a   
%all be a memb] ( ,unit$ ,policyhold]s2 
7iv7 #a %all be a repres5tative ( !     
,em]g5cy ,managem5t ,in/itute ( ! ,f$]al
 ,em]g5cy ,managem5t ,ag5cy2  7v7 #a    
%all be a repres5tative ( ! ,(fice ( !  
,flood ,insurance ,advocate ( ! ,f$]al  
,em]g5cy ,managem5t ,ag5cy2  7vi7 #a    
%all be a repres5tative ( a national    
flood insurance program direct s]vic]2  
7vii7 #a %all be a repres5tative ( a    
recogniz$ pr(essional association or    
organization repres5t+ homebuild]s or l&
 develop]s2  7viii7 #a %all be a        
repres5tative ( a recogniz$ pr(essional 
association or organization repres5t+ ! 
real e/ate indu/ry2  7ix7 #b %all be    
repres5tatives ( ,write ,y\r ,own       
companies t are 9 good /&+ ) !          
,adm9i/rator2 &  7x7 #b %all be at-l>ge 
memb]s4  7#b7 ,qualifications  7,a7 ,9  

g5]al ,ea* memb] ( ! ,c\ncil %all h     
exp]i5ce )--  7i7 contact+ policyhold]s 
"u ! national flood insurance program1  
includ+ ) respect to apply+ = flood     
insurance & process+ a claim = damage to
 or loss ( prop]ty t is cov]$ by flood  
insurance2 &  7ii7 riv]9e & coa/al flood
 insurance policies4  7,b7              
,consid]ations ,! ,adm9i/rator %all1 to 
! maximum ext5t practicable1 ensure t ! 
memb]%ip ( ! ,c\ncil has a balance (    
gov]nm5tal & private memb]s1 & includes 
geographic div]sity4  7,c7 ,conflicts ( 
int]e/ ,a memb] ( ! ,c\ncil-- 7i7 may n1
 :ile s]v+ on ! ,c\ncil1 be employ$ or  
reta9$--  7,i7 by a ,f$]al ,em]g5cy     
,managem5t ,ag5cy contractor or         
consultant2 or  7,,ii7 by a             
nongov]nm5tal entity t 0 aw>d$ a ,f$]al 
grant dur+ ! #e-ye> p]iod prec$+ ! date 
on :i* ! memb] 0 appo9t$ to ! ,c\ncil2 &
  7ii7 may n h be5 employ$ by a ,f$]al  
,em]g5cy ,managem5t ,ag5cy contractor or
 consultant dur+ ! #e-ye> p]iod prec$+ !
 date on :i* ! memb] 0 appo9t$ to !     

,c\ncil4  7#c7 ,consultation ,9 appo9t+ 
a memb] ( ! ,c\ncil f an entity describ$
 9 clauses 7i7 ?r\gh 7viii7 ( p>agraph  
7#a77;,b71 ! ,adm9i/rator or ! designee 
( ! ,adm9i/rator1 z applicable1 %all    
consult ) ! entity4  7#d7 ,*airp]son ,! 
memb]s ( ! ,c\ncil %all elect #a memb]  
to s]ve z ! *airp]son ( ! ,c\ncil 79 ?is
 section ref]r$ to z ! ,*airp]son74  7c7
 ,duties ,! ,c\ncil %all-- 7#a7 provide 
recomm5dations to ! ,adm9i/rator on--   
7,a7 improv+ ! cu/om] exp]i5ce =        
policyhold]s "u ! national flood        
insurance program2  7,b7 tra9+ insurance
 ag5ts t issue flood insurance policies2
 &  7,c7 improv+ ! process+ & h&l+ (    
claims = damage to or loss ( prop]ty t  
is cov]$ by flood insurance2 &  7#b7    
submit an annual report to !            
,adm9i/rator t includes-- 7,a7 a        
description ( ! activities ( ! ,c\ncil2 
&  7,b7 a summ>y ( recomm5dations made  
by ! ,c\ncil to ! ,adm9i/rator4  7d7    
,comp5sation  7#a7 ,9 g5]al ,except z   
provid$ 9 p>agraph 7#b71 a memb] ( !    

,c\ncil %all receive no additional      
comp5sation = s]v+ on ! ,c\ncil4  7#b7  
,travel exp5ses ,ea* memb] ( ! ,c\ncil  
may be all[$ travel exp5ses1 includ+ p] 
diem 9 lieu ( subsi/5ce1 9 accordance ) 
sections #egjb & #egjc ( title #e1      
,unit$ ,/ates ,code1 :ile away f _!     
homes or regul> places ( bus9ess 9      
p]=mance ( s]vices = ! ,c\ncil4  7e7    
,meet+s & actions  7#a7 ,meet+s  7,a7 ,9
 g5]al ,! ,c\ncil %all meet n less      
frequ5tly ?an twice ea* ye> at ! reque/ 
( ! ,*airp]son or a majority ( ! memb]s 
( ! ,c\ncil4  7,b7 ,initial meet+ ,!    
,adm9i/rator1 or a designee ( !         
,adm9i/rator1 %all reque/ & coord9ate ! 
initial meet+ ( ! ,c\ncil4  7#b7 ,action
 by majority vote ,! ,c\ncil may take   
action by a vote ( ! majority ( !       
memb]s4  7f7 ,(fic]s ,! ,*airp]son may  
appo9t (fic]s to assi/ 9 c>ry+ out !    
duties ( ! ,c\ncil "u subsection 7c74   
7g7 ,/aff ,^u ! reque/ ( ! ,*airp]son1 !
 ,adm9i/rator may detail1 on a          
nonreimbursable basis1 p]sonnel ( !     

,(fice ( ! ,flood ,insurance ,advocate (
 ! ,f$]al ,em]g5cy ,managem5t ,ag5cy to 
assi/ ! ,c\ncil 9 c>ry+ out ! duties ( !
 ,c\ncil4  7h7 ,p[]s ,9 c>ry+ out ?is   
section1 ! ,c\ncil may hold he>+s1      
receive evid5ce & assi/ance1 provide    
in=mation1 & conduct rese>* z ! ,c\ncil 
consid]s appropriate4  7i7 ,report to   
,congress & ,,omb ,! ,adm9i/rator %all1 
on an annual basis1 submit to !         
,committee on ,bank+1 ,h\s+1 & ,urban   
,affairs ( ! ,s5ate1 ! ,committee on    
,f9ancial ,s]vices ( ! ,h\se (          
,repres5tatives1 & ! ,director ( !      
,(fice ( ,managem5t & ,budget a report  
on--  7#a7 ! recomm5dations made by !   
,c\ncil2 &  7#b7 any recomm5dations made
 by ! ,c\ncil dur+ ! ye> cov]$ by !     
report t1 z ( ! date on :i* ! report is 
submitt$1 h be5 def]r$ or n act$ ^u1    
toge!r ) an explanatory /atem5t )       
respect to ^? recomm5dations4  7j7      
,applicability ( ! ,f$]al ,advisory     
,committee ,act ,section #ad ( ! ,f$]al 
,advisory ,committee ,act 7#e ,u4,s4,c4 

,app47 %all n apply to ! ,c\ncil4  4    
#dbb4 ,effici5t use ( mitigation doll>s 
,section #acae7;b7 ( ! ,national ,flood 
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djbb7;b77 is am5d$ by add+ at ! end !  
foll[+3  7#e7 ,regional coord9ator  7,a7
 ,9 g5]al ,! ,adm9i/rator %all appo9t a 
regional coord9ator 9 ea* region s]v$ by
 a ,regional ,(fice 7z def9$ 9 section  
#eja ( ! ,homel& ,security ,act ( #bjjb 
7#f ,u4,s4,c4 #caa77 to provide te*nical
 assi/ance to small communities to      
enable ^? communities to effectively    
p>ticipate 9 & b5efit f ! community rat+
 sy/em program4  7,b7 ,au?orization (   
appropriations ,!re are au?oriz$ to be  
appropriat$ su* sums z may be necess>y  
to c>ry out ?is p>agraph1 :i* %all rema9
 available until exp5d$4  4  #dbc4      
,improv$ disclosure requirem5ts ,*apt]  
,i ( ! ,national ,flood ,insurance ,act 
( #aifh 7#db ,u4,s4,c4 #djaa et seq471 z
 am5d$ by section #dad1 is am5d$ by add+
 at ! end ! foll[+3  #acbh4 ,disclosure 
9 lease ( prop]ty  7a7 ,9 g5]al ,n lat] 

?an #ahj days aft] ! date ( enactm5t (  
?is section1 ! ,adm9i/rator1 9          
consultation ) relevant ,f$]al ag5cies1 
%all promulgate regulations requir+ !   
disclosure ( in=mation relat+ to ! flood
 risk & flood insurance cov]age ( any   
prop]ty t is (f]$ = lease 9 accordance )
 subsection 7b74  7b7 ,in=mation        
disclos$ ,! regulations promulgat$ "u   
subsection 7a7 %all require t1 be=e !   
lessee is obligat$ "u any contract to   
lease prop]ty1 ! lessor %all provide a  
writt5 disclosure to ! lessee t         
describes--  7#a7 ! flood zone          
classification ( ! prop]ty2  7#b7 :e!r !
 prop]ty is cov]$ by flood insurance2 & 
7#c7 ! availability ( cont5ts cov]age "u
 ! national flood insurance program4  4 
#dbd4 ,am5dm5ts to ,f9ancial            
,assi/ance_/,subsidy ,arrangem5t ,!     
,adm9i/rator %all am5d ! ,write ,y\r    
,own company ,f9ancial                  
,assi/ance_/,subsidy ,arrangem5t to     
implem5t ! requirem5ts ( sections #dje1 
#djf1 #dji1 #dab1 #dac1 #dae1 #daf1     

#dag1 #dah1 #dai1 & #dbj ( ?is ,act1 &  
any am5dm5ts made by ^? sections4  #dbe4
 ,te*nical & con=m+ am5dm5ts ,section   
#acgj ( ! ,national ,flood ,insurance   
,act ( #aifh 7#db ,u4,s4,c4 #daba7 is   
am5d$-- 7#a7 9 p>agraph 7#ad71 by /rik+ 
& at ! end2  7#b7 9 p>agraph 7#ae71 by  
/rik+ ! p]iod at ! end & ins]t+ a       
semicolon2 &  7#c7 by add+ at ! end !   
foll[+3  7#af7 ! t]m ,write ,y\r ,own   
company means a company t p>ticipates 9 
! ,write ,y\r ,own ,program2 &  7#ag7 ! 
t]m ,write ,y\r ,own ,program means !   
coop]ative und]tak+ betwe5 ! insurance  
indu/ry & ! ,f$]al ,insurance &         
,mitigation ,adm9i/ration t all[s       
p>ticipat+ prop]ty & casualty insurance 
companies to write & s]vice /&>d flood  
insurance policies4  4