,,ii #aaeth ,,congress #ast ,session ,s4 #aega ,,in ,,the ,,senate ,,of ,,the ,,united ,,states ,july #ag1 #bjag,mr4 ,crapo 7for himself and ,mr4 ,brown7 introduced the following bill2 which was read twice and referred to the ,committee on ,banking1 ,housing1 and ,urban ,affairs ,a ,,bill ,to reauthorize the ,national ,flood ,insurance ,program1 and for other purposes4 #a4 ,short title ,this ,act may be cited as the ,national ,flood ,insurance ,program ,reauthorization ,act of #bjag4 #b4 ,table of contents ,the table of contents for this ,act is as follows3 ,sec4 #a4 ,short title4 ,sec4 #b4 ,table of contents4 ,sec4 #c4 ,definitions4 ,sec4 #d4 ,extension of ,national ,flood ,insurance ,program4 ,,title ,i--,risk mitigation ,sec4 #aja4 ,community preparation for repetitively flooded areas4 ,sec4 #ajb4 ,wildfires on ,federal land4 ,sec4 #ajc4 ,increased cost of compliance4 ,sec4 #ajd4 ,predisaster hazard mitigation program authorization4 ,sec4 #aje4 ,disclosure of flood risk information upon transfer of property4 ,sec4 #ajf4 ,multifamily mitigation4 ,sec4 #ajg4 ,technical assistance4 ,,title ,,ii--,flood mapping program improvements ,sec4 #bja4 ,reauthorization of mapping program4 ,sec4 #bjb4 ,national ,flood ,mapping ,program improvements4 ,,title ,,iii--,program improvements ,sec4 #cja4 ,replacement cost in determining premium rates4 ,sec4 #cjb4 ,risk transfer options4 ,sec4 #cjc4 ,participation studies4 ,sec4 #cjd4 ,study regarding coverage for business interruption4 #c4 ,definitions ,in this ,act-- 7#a7 the term ,administrator means the ,administrator of the ,federal ,emergency ,management ,agency2 7#b7 the term appropriate committees of ,congress means-- 7,a7 the ,committee on ,banking1 ,housing1 and ,urban ,affairs of the ,senate2 and 7,b7 the ,committee on ,financial ,services of the ,house of ,representatives2 7#c7 the term ,federal entity for lending regulation has the meaning given the term in section #c7;a7 of the ,flood ,disaster ,protection ,act of #aigc 7#db ,u4,s4,c4 #djjc7;a772 7#d7 the term mandatory purchase requirement means the requirement under subsections 7a7 and 7b7 of section #ajb of the ,flood ,disaster ,protection ,act of #aigc 7#db ,u4,s4,c4 #djab;a7 to have flood insurance coverage2 and 7#e7 the term ,national ,flood ,insurance ,program means the program established under the ,national ,flood ,insurance ,act of #aifh 7#db ,u4,s4,c4 #djja et seq474 #d4 ,extension of ,national ,flood ,insurance ,program 7a7 ,financing ,section #acji7;a7 of the ,national ,flood ,insurance ,act of #aifh 7#db ,u4,s4,c4 #djaf7;a77 is amended1 in the first sentence1 by striking ,september #cj1 #bjag and inserting ,september #cj1 #bjbc4 7b7 ,program expiration ,section #acai of the ,national ,flood ,insurance ,act of #aifh 7#db ,u4,s4,c4 #djbf7 is amended by striking ,september #cj1 #bjag and inserting ,september #cj1 #bjbc4 ,i ,risk mitigation #aja4 ,community preparation for repetitively flooded areas 7a7 ,in general ,section #acfa of the ,national ,flood ,insurance ,act of #aifh 7#db ,u4,s4,c4 #dajb7 is amended by adding at the end the following3 7e7 ,community preparation for repetitively flooded areas 7#a7 ,definitions ,in this subsection-- 7,a7 the term covered community means a community-- 7i7 that is participating1 under section #acae1 in the national flood insurance program2 and 7ii7 within which are located-- 7,i7 #ej or more repetitive loss structures2 7,,ii7 #e or more severe repetitive loss structures for which mitigation activities meeting the standards for approval under section #acff7;c77#b77;,a7 have not been conducted2 or 7,,iii7 a public facility or a private nonprofit facility that has received assistance for repair1 restoration1 reconstruction1 or replacement under section #djf of the ,robert ,t4 ,stafford ,disaster ,relief and ,emergency ,assistance ,act 7#db ,u4,s4,c4 #eagb7 in connection with more than #a flooding event in the most recent #aj-year period2 7,b7 the terms private nonprofit facility and public facility have the meanings given those terms in section #ajb of the ,robert ,t4 ,stafford ,disaster ,relief and ,emergency ,assistance ,act 7#db ,u4,s4,c4 #eabb72 7,c7 the term repetitive loss structure has the meaning given the term in section #acgj7;a72 and 7,d7 the term severe repetitive loss structure has the meaning given the term in section #acff7;h74 7#b7 ,requirements ,the ,administrator shall1 by regulation1 require any covered community-- 7,a7 to identify the areas within the covered community where properties described in paragraph 7#a77;,a77ii7 or flood-damaged facilities are located to determine areas repetitively damaged by floods and to assess1 with assistance from the ,administrator1 the continuing risks to such areas2 7,b7 to develop a community-specific plan for mitigating continuing flood risks to such repetitively flooded areas and to submit such plan and plan updates to the ,administrator at appropriate intervals2 7,c7 to implement such plans2 and 7,d7 to make such plans1 plan updates1 and reports on progress in reducing flood risk available to the public1 subject to section #eeb;a of title #e1 ,united ,states ,code4 7#c7 ,incorporation into existing plans ,a plan developed pursuant to paragraph 7#b7 may be incorporated into a mitigation plan developed under section #acff and a hazard mitigation plan developed under section #cbb of the ,robert ,t4 ,stafford ,disaster ,relief and ,emergency ,assistance ,act 7#db ,u4,s4,c4 #eafe74 7#d7 ,assistance to a covered community 7,a7 ,data ,to assist a covered community in preparation of a plan required under paragraph 7#b71 the ,administrator shall1 upon request1 provide a covered community with appropriate data regarding the property addresses and dates of claims associated with insured properties within the covered community4 7,b7 ,mitigation grants ,in making a determination regarding financial assistance under the authorities of this title1 the ,administrator may consider the extent to which a covered community has complied with this subsection and is working to remedy problems with addressing repetitively flooded areas4 7#e7 ,sanctions 7,a7 ,in general ,the ,administrator shall1 by regulations issued in accordance with the procedures established under section #eec of title #e1 ,united ,states ,code1 regarding substantive rules1 provide appropriate sanctions for a covered community that fails to comply with the requirements under this subsection or to make sufficient progress in reducing the flood risks to areas in the covered community that are repetitively damaged by floods4 7,b7 ,notice ,before imposing any sanction pursuant to this paragraph1 the ,administrator shall provide the covered community involved with notice of the noncompliance that could result in the imposition of sanctions1 which shall include recommendations for actions to bring the covered community into compliance with this subsection4 7,c7 ,considerations ,in determining appropriate sanctions to impose under this paragraph1 the ,administrator shall consider the resources available to the covered community involved1 including ,federal funding1 the portion of the covered community that lies within an area having special flood hazards1 and other factors that make it difficult for the covered community to conduct mitigation activities for existing flood-prone structures4 7#f7 ,reports to congress ,not later than #f years after the date of enactment of this subsection1 and not less frequently than every #b years thereafter1 the ,administrator shall submit a report to ,congress regarding the progress of covered communities in implementing plans developed pursuant to paragraph 7#b77;,b74 4 7b7 ,regulations ,not later than #a year after the date of enactment of this ,act1 the ,administrator shall issue regulations necessary to carry out subsection 7e7 of section #acfa of the ,national ,flood ,insurance ,act of #aifh 7#db ,u4,s4,c4 #dajb71 as added by subsection 7a7 of this section4 #ajb4 ,wildfires on ,federal land 7a7 ,definition of major disaster for wildfire on ,federal land 7#a7 ,in general ,section #ajb of the ,robert ,t4 ,stafford ,disaster ,relief and ,emergency ,assistance ,act 7#db ,u4,s4,c4 #eabb7 is amended-- 7,a7 by redesignating paragraphs 7#c7 through 7#ab7 as paragraphs 7#d7 through 7#ac71 respectively2 and 7,b7 by inserting after paragraph 7#b7 the following3 7#c7 ,major disaster for wildfire on ,federal land ,the term major disaster for wildfire on ,federal land means any wildfire or wildfires that in the determination of the ,president in accordance with section #hjb warrants assistance under section #hjc to supplement the efforts and resources of the ,secretary of the ,interior or the ,secretary of ,agriculture-- 7,a7 on ,federal land2 or 7,b7 on non-,federal land in accordance with a fire protection agreement or cooperative agreement4 4 7#b7 ,conforming amendment ,section #bea7;b77#b77;,d77iii7 of the ,balanced ,budget and ,emergency ,deficit ,control ,act of #aihe 7#b ,u4,s4,c4 #ija7;b77#b77;,d77iii77 is amended by striking section #ajb7b7 of the ,robert ,t4 ,stafford ,disaster ,relief and ,emergency ,assistance ,act 7#db ,u4,s4,c4 #eabb7b77 and inserting paragraph 7#b7 or 7#c7 of section #ajb of the ,robert ,t4 ,stafford ,disaster ,relief and ,emergency ,assistance ,act 7#db ,u4,s4,c4 #eabb74 7b7 ,declaration of a major disaster for wildfire on ,federal land ,the ,robert ,t4 ,stafford ,disaster ,relief and ,emergency ,assistance ,act 7#db ,u4,s4,c4 #eaba et seq47 is amended by adding at the end the following3 ,,viii ,major ,disaster for ,wildfire on ,federal ,land #hja4 ,definitions ,in this title3 7#a7 ,federal land ,the term ,federal land means-- 7,a7 any land under the jurisdiction of the ,secretary of the ,interior2 and 7,b7 any land under the jurisdiction of the ,secretary of ,agriculture1 acting through the ,chief of the ,forest ,service4 7#b7 ,federal land management agencies ,the term ,federal land management agencies means-- 7,a7 the ,bureau of ,land ,management2 7,b7 the ,national ,park ,service2 7,c7 the ,bureau of ,indian ,affairs2 7,d7 the ,united ,states ,fish and ,wildlife ,service2 and 7,e7 the ,forest ,service4 7#c7 ,secretary concerned ,the term ,secretary concerned means-- 7,a7 the ,secretary of the ,interior1 with respect to land under the jurisdiction of the ,secretary of the ,interior2 and 7,b7 the ,secretary of ,agriculture1 with respect to land under the jurisdiction of the ,secretary of ,agriculture1 acting through the ,chief of the ,forest ,service4 7#d7 ,wildfire suppression operations ,the term wildfire suppression operations means the emergency and unpredictable aspects of wildland firefighting1 including support1 response1 emergency stabilization activities1 and other emergency management activities of wildland firefighting on ,federal land1 or on non-,federal land in accordance with a fire protection agreement or cooperative agreement1 by the ,federal land management agencies covered by-- 7,a7 the wildfire suppression subactivity of the ,wildland ,fire ,management account of the ,federal land management agencies2 or 7,b7 the ,,flame ,wildfire ,suppression ,reserve ,fund account of the ,federal land management agencies4 #hjb4 ,procedure for declaration of a major disaster for wildfire on federal land 7a7 ,in general ,the ,secretary concerned may submit a request to the ,president in accordance with the requirements of this title for a declaration by the ,president that a major disaster for wildfire on ,federal land exists4 7b7 ,requirements ,a request for a declaration by the ,president that a major disaster for wildfire on ,federal land exists shall-- 7#a7 be made in writing by the ,secretary concerned2 7#b7 certify that the amount made available for the current fiscal year for wildfire suppression operations of the ,federal land management agencies under the jurisdiction of the ,secretary concerned1 net of any concurrently enacted rescissions of wildfire suppression funds1 increases the total unobligated balance of the amount available for wildfire suppression by an amount equal to not less than #gj percent of the average total cost incurred by the ,federal land management agencies per year for wildfire suppression operations1 including the suppression costs in excess of amounts made available1 for the previous #aj fiscal years2 7#c7 certify that1 for the current fiscal year1 an amount equal to not less than #cj percent of the average total cost incurred by the ,federal land management agencies per year for wildfire suppression operations1 including the suppression costs in excess of amounts made available1 for the previous #aj fiscal years1 has been made available for the ,federal land management agencies under the jurisdiction of the ,secretary concerned for the purpose of funding-- 7,a7 projects and activities on ,federal land that improve the fire regime of areas that meet the desired future conditions of the applicable land and resource management plan or land use plan2 or 7,b7 restoration and resiliency projects and activities on ,federal land that meet the desired future conditions of the applicable land and resource management plan or land use plan2 7#d7 certify that1 for the current fiscal year-- 7,a7 the sum of the amounts certified under paragraphs 7#b7 and 7#c7 is equal to not less than #ajj percent of the average total cost incurred by the ,federal land management agencies per year for wildfire suppression operations1 including the suppression costs in excess of amounts made available1 for the previous #aj fiscal years2 and 7,b7 the amount certified under paragraph 7#c7 is in addition to and supplements other amounts made available for the ,federal land management agencies for projects and activities described in subparagraphs 7,a7 and 7,b7 of paragraph 7#c7 that equal or exceed the amount made available for those projects and activities for fiscal year #bjag1 subject to the condition that the amount made available for those projects and activities for fiscal year #bjag shall be adjusted annually beginning with fiscal year #bjai to reflect changes during the preceding fiscal year in the ,consumer ,price ,index for ,all ,urban ,consumers published by the ,bureau of ,labor ,statistics of the ,department of ,labor2 7#e7 certify that the amount available for wildfire suppression operations of the ,federal land management agencies under the jurisdiction of the ,secretary concerned will be obligated not later than #cj days after the ,secretary concerned notifies the ,president that amounts for wildfire suppression operations will be exhausted to fund ongoing and anticipated wildfire suppression operations for which the request is made2 and 7#f7 specify the amount required for the fiscal year for which the request is made to fund wildfire suppression operations for which the request is made4 7c7 ,declaration ,based on the request of the ,secretary concerned in accordance with this title1 the ,president may declare that a major disaster for wildfire on ,federal land exists4 7d7 ,list of projects reporting requirement ,not later than ,november #a of each fiscal year1 the ,secretary of ,agriculture and the ,secretary of the ,interior shall each submit to the ,committee on ,agriculture1 ,nutrition1 and ,forestry1 the ,committee on ,appropriations1 and the ,committee on ,energy and ,natural ,resources of the ,senate and the ,committee on ,agriculture1 the ,committee on ,appropriations1 and the ,committee on ,agriculture of the ,house of ,representatives a list of projects and activities described in subparagraphs 7,a7 and 7,b7 of subsection 7b77#c7 to be conducted using amounts described in subsection 7b77#c74 #hjc4 ,wildfire on ,federal land assistance 7a7 ,in general ,during a period for which a major disaster for wildfire on ,federal land has been declared under section #hjb1 the ,president may transfer funds only from the account established by subsection 7b7 to the ,secretary concerned to conduct wildfire suppression operations on-- 7#a7 ,federal land2 and 7#b7 non-,federal land in accordance with a fire protection agreement or cooperative agreement4 7b7 ,wildfire suppression operations disaster account 7#a7 ,in general ,there is established a special account for the assistance available under a declaration of a major disaster for wildfire on ,federal land under section #hjb4 7#b7 ,use ,the account established by paragraph 7#a7 may only be used to provide assistance in accordance with this title4 7#c7 ,authorization of appropriations ,subject to the limitation described in subsection 7c77#b71 there are authorized to be appropriated to the account established by paragraph 7#a7 such sums as are necessary to provide assistance in accordance with this title4 7c7 ,limitations 7#a7 ,limitation of transfer 7,a7 ,in general ,the assistance available under a declaration of a major disaster for wildfire on ,federal land under section #hjb shall be limited to the transfer of the amount requested in accordance with section #hjb7;b77#f74 7,b7 ,wildfire suppression operations disaster account ,the assistance available for transfer under this section shall not exceed the amount contained in the account established by subsection 7b77#a74 7#b7 ,maximum transfer amount limitation ,if a bill or joint resolution making appropriations for a fiscal year is enacted that specifies an amount for wildfire suppression operations in the ,wildland ,fire ,management accounts of the ,department of ,agriculture or the ,department of the ,interior1 the total amount of assistance appropriated to and transferred from the account established by subsection 7b77#a7 and in accordance with a declaration of a major disaster for wildfire on ,federal land under section #hjb to those ,wildland ,fire ,management accounts for that fiscal year shall not exceed #a1fdg1jjj1jjj4 7#c7 ,transfer of funds ,a transfer under this section shall be made from the wildfire suppression operations account to the wildfire suppression subactivity of the ,wildland ,fire ,management accounts1 to remain available until expended4 7d7 ,prohibition of other transfers ,except as provided in this section1 no amounts may be transferred to or from the account established by subsection 7b77#a7 to or from any other fund or account4 7e7 ,reimbursement for wildfire suppression operations on non-,federal land ,if amounts transferred under this section are used to conduct wildfire suppression operations on non-,federal land1 the ,secretary concerned shall-- 7#a7 secure reimbursement for the cost of those wildfire suppression operations2 and 7#b7 transfer the amounts received under paragraph 7#a7 to the account established by subsection 7b77#a74 7f7 ,annual accounting and reporting requirements 7#a7 ,in general ,not later than #ij days after the last day of each fiscal year for which assistance is received under this section1 the ,secretary concerned shall submit to the committees described in paragraph 7#b71 and make available to the public1 a report that describes the following3 7,a7 ,the risk-based factors that influenced management decisions regarding wildfire suppression operations of the ,federal land management agencies under the jurisdiction of the ,secretary concerned4 7,b7 ,specific discussion of a statistically significant sample of large fires1 in which each fire is analyzed for-- 7i7 cost drivers2 7ii7 the effectiveness of risk management techniques2 7iii7 resulting positive or negative impacts of fire on the landscape2 7iv7 the impact of investments in preparedness2 7v7 suggested corrective actions2 and 7vi7 such other factors as the ,secretary concerned considers appropriate4 7,c7 ,total expenditures for wildfire suppression operations of the ,federal land management agencies under the jurisdiction of the ,secretary concerned1 including a description of the expenditures by-- 7i7 fire size2 7ii7 cost2 7iii7 regional location2 and 7iv7 such other factors as the ,secretary concerned considers appropriate4 7,d7 ,lessons learned4 7,e7 ,such other matters as the ,secretary concerned considers appropriate4 7#b7 ,committees described ,the committees referred to in paragraph 7#a7 are-- 7,a7 of the ,senate-- 7i7 the ,committee on ,agriculture1 ,nutrition1 and ,forestry2 7ii7 the ,committee on ,appropriations2 7iii7 the ,committee on the ,budget2 7iv7 the ,committee on ,energy and ,natural ,resources2 7v7 the ,committee on ,homeland ,security and ,governmental ,affairs2 and 7vi7 the ,committee on ,indian ,affairs2 and 7,b7 of the ,house of ,representatives-- 7i7 the ,committee on ,agriculture2 7ii7 the ,committee on ,appropriations2 7iii7 the ,committee on the ,budget2 7iv7 the ,committee on ,natural ,resources2 and 7v7 the ,committee on ,transportation and ,infrastructure4 7g7 ,savings provision ,except as provided in subsections 7c7 and 7d71 nothing in this title limits the ,secretary of the ,interior1 the ,secretary of ,agriculture1 an ,indian tribe1 or a ,state from receiving assistance through a declaration made by the ,president under this ,act if the criteria for that declaration are satisfied4 4 7c7 ,prohibition on transfers ,no amounts may be transferred to or from the wildfire suppression subactivity of the ,wildland ,fire ,management account or the ,,flame ,wildfire ,suppression ,reserve ,fund account of the ,federal land management agencies1 as defined in section #hja of the ,robert ,t4 ,stafford ,disaster ,relief and ,emergency ,assistance ,act1 as added by subsection 7b71 to or from any other account or subactivity of those ,federal land management agencies that is not used to cover the cost of wildfire suppression operations4 7d7 ,effective date ,this section and the amendments made by this section shall take effect on ,october #a1 #bjag4 #ajc4 ,increased cost of compliance 7a7 ,in general ,section #acjd7;b7 of the ,national ,flood ,insurance ,act of #aifh 7#db ,u4,s4,c4 #djaa7;b77 is amended-- 7#a7 in paragraph 7#d71 by redesignating subparagraphs 7,a7 through 7,d7 as clauses 7i7 through 7iv71 respectively1 and adjusting the margins accordingly2 7#b7 by redesignating paragraphs 7#a7 through 7#d7 as subparagraphs 7,a7 through 7,d71 respectively1 and adjusting the margins accordingly2 7#c7 in the matter preceding subparagraph 7,a71 as so redesignated1 by striking ,the national and inserting the following3 7#a7 ,in general ,the national 2 7#d7 in paragraph 7#a71 as so designated-- 7,a7 in subparagraph 7,a71 as so redesignated1 by inserting 1 without regard to whether the property is in an area having special flood hazards after loss structures2 7,b7 in subparagraph 7,c71 as so redesignated1 by striking the period at the end and inserting a semicolon2 7,c7 in subparagraph 7,d71 as so redesignated-- 7i7 in the matter preceding clause 7i71 as so redesignated1 by inserting subject to paragraph 7#b71 before properties for which2 and 7ii7 in clause 7iv71 as so redesignated1 by striking the period at the end and inserting 2 and2 and 7,d7 by adding at the end the following3 7,e7 a property outside an area having special flood hazards if the community1 under section #acfa1 has established land use and control measures for the area in which the property is located4 2 and 7#e7 by striking the flush text following paragraph 7#a77;,e71 as added by paragraph 7#d77;,d7 of this subsection1 and inserting the following3 7#b7 ,use of funds for mitigation projects ,the ,administrator shall allow a policyholder to use insurance purchased under this subsection for any eligible project costs under a program described in clause 7i71 7ii71 or 7iii7 of paragraph 7#a77;,d7 of an acquisition1 demolition1 elevation1 relocation1 or small structural project funded under that program1 including-- 7,a7 asbestos remediation2 7,b7 the demolition of a driveway or sidewalk when a structure is acquired2 and 7,c7 the addition of a lift1 ramp1 or other device that is necessary for a homeowner or occupant with a physical limitation or disability to safely access a home that has been elevated4 7#c7 ,surcharges 7,a7 ,primary coverage ,the ,administrator shall impose a surcharge on each insured of an amount per policy that the ,administrator determines is appropriate in order to provide cost of compliance coverage in accordance with paragraph 7#d77;,a74 7,b7 ,enhanced coverage ,for each policy for flood insurance made available under this title with respect to which enhanced coverage is provided under paragraph 7#d77;,b71 the ,administrator shall impose a surcharge1 in addition to the surcharge imposed under subparagraph 7,a71 in an amount that the ,administrator determines appropriate4 7#d7 ,amount of coverage 7,a7 ,primary coverage ,each policy for flood insurance coverage made available under this title shall provide coverage under this subsection having an aggregate liability for any single property of #fj1jjj4 7,b7 ,enhanced coverage ,notwithstanding the limitation under subparagraph 7,a71 the ,administrator shall provide1 upon request by a policyholder1 enhanced coverage under this subsection having an aggregate liability for any single property in an amount that is not more than #ajj1jjj4 7#e7 ,treatment of coverage limits ,the purchase of insurance under this subsection with respect to a property shall not be counted for the purposes of any limitation on coverage with respect to that property under section #acjf7;b74 4 7b7 ,technical and conforming amendment ,not later than #a year after the date of enactment of this ,act1 the ,administrator shall amend the ,standard ,flood ,insurance ,policy set forth in appendix ,a to part #fa of title #dd1 ,code of ,federal ,regulations1 to conform the item relating to ,coverage ,d--,increased ,cost of ,compliance to the coverage limitations described in subparagraphs 7,a7 and 7,b7 of section #acjd7;b77#d7 of the ,national ,flood ,insurance ,act of #aifh 7#db ,u4,s4,c4 #djaa7;b77#d771 as added by subsection 7a77#e7 of this section4 #ajd4 ,predisaster hazard mitigation program authorization ,for each of the first #f full fiscal years following the date of enactment of this ,act1 there is authorized to be appropriated #bjj1jjj1jjj to carry out the predisaster hazard mitigation program under section #bjc of the ,robert ,t4 ,stafford ,disaster ,assistance and ,emergency ,relief ,act 7#db ,u4,s4,c4 #eacc74 #aje4 ,disclosure of flood risk information upon transfer of property 7a7 ,in general ,chapter ,i of the ,national ,flood ,insurance ,act of #aifh 7#db ,u4,s4,c4 #djaa et seq47 is amended by adding at the end the following3 #acbf4 ,disclosure of flood risk information upon transfer of property 7a7 ,in general ,after ,september #cj1 #bjbb1 no new flood insurance coverage may be provided under this title for any real property unless an appropriate public body has imposed1 by statute or regulation1 a duty on any seller or lessor of improved real estate to provide to any purchaser or lessee 7with respect to a lease for a term that is not shorter than #cj days7 of the property a property flood hazard disclosure that the ,administrator has determined meets the requirements of subsection 7b74 7b7 ,disclosure requirements 7#a7 ,requirements for sellers ,a property flood hazard disclosure for the sale of a property shall meet the requirements of this subsection only if the disclosure-- 7,a7 is made in writing2 7,b7 discloses any actual knowledge of the seller of any-- 7i7 prior physical damage caused by flood to a structure located on the property2 7ii7 prior insurance claim for a loss covered under the national flood insurance program or private flood insurance with respect to the property2 7iii7 previous notification regarding the designation of the property as a repetitive loss structure or severe repetitive loss structure 7as defined in section #acff7;h772 and 7iv7 ,federal legal obligation to obtain and maintain flood insurance running with the property2 and 7,c7 is delivered by1 or on behalf of1 the seller to the purchaser before the purchaser becomes obligated under any contract to purchase the property4 7#b7 ,requirements for lessors ,a property flood hazard disclosure for a rental property with a lease for a term that is not shorter than #cj days shall meet the requirements of this subsection only if the disclosure-- 7,a7 is made in writing2 7,b7 discloses any actual knowledge of the lessor-- 7i7 of any ,federal legal obligation to obtain and maintain flood insurance running with the property2 7ii7 regarding any prior physical damage caused by flood with respect to the unit being leased2 and 7iii7 of the availability of coverage under this title for contents located in a structure on the property2 and 7,c7 is delivered by1 or on behalf of1 the lessor to the lessee before the lessee becomes obligated under any contract to lease the property4 7#c7 ,rule of construction ,nothing in this section may be construed as preventing a ,state from adopting disclosure requirements in addition to the requirements of this section4 4 7b7 ,availability of flood insurance coverage ,section #acje7;c7 of the ,national ,flood ,insurance ,act of #aifh 7#db ,u4,s4,c4 #djab7;c77 is amended-- 7#a7 in paragraph 7#a71 by striking 1 and at the end and inserting a semicolon2 7#b7 in paragraph 7#b71 by striking the period at the end and inserting 2 and2 and 7#c7 by adding at the end the following3 7#c7 given satisfactory assurance that1 by ,october #a1 #bjbb1 property flood hazard disclosure requirements will have been adopted for the area 7or subdivision7 that meet the requirements of section #acbf4 4 #ajf4 ,multifamily mitigation 7a7 ,in general ,section #acfa7;d77#a7 of the ,national ,flood ,insurance ,act of #aifh 7#db ,u4,s4,c4 #dajb7;d77#a77 is amended1 in the matter preceding subparagraph 7,a71 by inserting 7including multifamily buildings in urban areas7 after residential buildings4 7b7 ,risk premium rate reduction ,section #acjh7k7 of the ,national ,flood ,insurance ,act of #aifh 7#db ,u4,s4,c4 #djae7k77 is amended by striking the ,administrator shall and all that follows through the period at the end and inserting the following3 8the ,administrator shall-- 7#a7 take into account the implementation of any mitigation method identified by the ,administrator in the guidelines issued under section #acfa7;d72 and 7#b7 notwithstanding any other provision of law1 charge a risk premium rate that accurately reflects the reduction in flood risk to a building1 including a multifamily building in an urban area1 resulting from the use of an alternative method of mitigation established by the ,administrator under section #acfa7;d77#a74 4 7c7 ,land use controls ,section #acae7;a7 of the ,national ,flood ,insurance ,act of #aifh 7#db ,u4,s4,c4 #djbb7;a77 is amended by adding at the end the following3 7#c7 ,land use controls for certain multifamily buildings in urban areas 7,a7 ,definition ,in this paragraph1 the term covered area means an area that-- 7i7 is an urban area2 and 7ii7 has been identified as having special flood hazards4 7,b7 ,adoption of land use controls ,notwithstanding any other provision of law1 the ,administrator1 under paragraph 7#a71 may require an appropriate public body1 with respect to a covered area that is seeking to secure flood insurance coverage under this title1 to adopt land use and control measures for the repair1 restoration1 or substantial improvement of any mid- or high-rise multifamily building that is located in the covered area4 7,c7 ,community strategy ,with respect to a covered area described in subparagraph 7,b71 the ,administrator shall encourage the covered area to develop1 and assist the covered area in developing1 a comprehensive strategy that-- 7i7 reduces flood damage to mid- and high-rise multifamily buildings in the covered area that-- 7,i7 will be repaired1 restored1 or substantially improved2 and 7,,ii7 cannot be elevated2 7ii7 identifies technical mitigation activities that may be applied to the buildings described in clause 7i71 including considerations for mechanical1 electrical1 and utility components1 that will protect life and property2 and 7iii7 documents that the covered area has established procedures for-- 7,i7 the implementation of performance standards2 7,,ii7 requiring evacuation plans2 and 7,,iii7 developing a maintenance strategy for any mitigation activity that is applied under clause 7ii74 7,d7 ,partial mitigation guidelines ,the ,administrator shall establish guidelines for performance standards that shall-- 7i7 allow for a combination of partial mitigation activities1 other than elevation1 for areas 7other than residential areas7 in a covered area described in subparagraph 7,b72 and 7ii7 be applied to mid- and high-rise multifamily buildings in the areas described in clause 7i74 4 7d7 ,calculation of risk premium rates ,section #acjh of the ,national ,flood ,insurance ,act of #aifh 7#db ,u4,s4,c4 #djae7 is amended by adding at the end the following3 7n7 ,consideration of partial mitigation methods ,notwithstanding any other provision of law1 with respect to a chargeable premium rate prescribed for a building described in section #acae7;a77#c77;,b71 the ,administrator shall ensure that the chargeable premium rate properly reflects the reduction in flood risk after adopting and implementing the land use and control measures described in that section1 if applicable4 4 #ajg4 ,technical assistance ,section #acae7;b7 of the ,national ,flood ,insurance ,act of #aifh 7#db ,u4,s4,c4 #djbb7;b77 is amended by adding at the end the following3 7#e7 ,regional coordinator 7,a7 ,in general ,the ,administrator shall appoint a regional coordinator in each region served by a ,regional ,office 7as defined in section #eja of the ,homeland ,security ,act of #bjjb 7#f ,u4,s4,c4 #caa77 to provide technical assistance to small communities to enable those communities to effectively participate in1 and benefit from1 the community rating system program4 7,b7 ,authorization of appropriations ,there are authorized to be appropriated such sums as may be necessary to carry out this paragraph1 which shall remain available until expended4 4 ,,ii ,flood mapping program improvements #bja4 ,reauthorization of mapping program ,section #ajjbaf7;f7 of the ,biggert-,waters ,flood ,insurance ,reform ,act of #bjab 7#db ,u4,s4,c4 #daja;b7f77 is amended by striking #bjag and inserting #bjbc4 #bjb4 ,national ,flood ,mapping ,program improvements ,section #ajjbaf of the ,biggert-,waters ,flood ,insurance ,reform ,act of #bjab 7#db ,u4,s4,c4 #daja;b7 is amended-- 7#a7 in subsection 7b7-- 7,a7 in paragraph 7#a7-- 7i7 by redesignating subparagraphs 7,b7 and 7,c7 as subparagraphs 7,c7 and 7,d71 respectively2 7ii7 by inserting after subparagraph 7,a7 the following3 7,b7 as soon as practicable-- 7i7 modernize the flood mapping inventory for communities for which the ,national ,flood ,insurance ,program rate maps have not been modernized2 and 7ii7 in coordination with communities1 utilize the digital display environment established under subsection 7f77#a77;,a7 to store and disseminate any flood hazard data1 models1 and maps generated under clause 7i7 while ensuring that the flood mapping inventory described in that clause may be printed in order to carry out-- 7,i7 floodplain management programs under the ,national ,flood ,insurance ,act of #aifh 7#db ,u4,s4,c4 #djja et seq472 and 7,,ii7 other purposes of the ,national ,flood ,insurance ,program2 2 7iii7 in subparagraph 7,c71 as so redesignated1 by striking and at the end2 7iv7 in subparagraph 7,d71 as so redesignated-- 7,i7 by inserting 1 including the most current and most appropriate remote sensing or other geospatial mapping technology after available2 and 7,,ii7 by striking the period at the end and inserting 2 and2 and 7v7 by adding at the end the following3 7,e7 when appropriate1 partner with other ,federal agencies1 ,states1 communities1 and private entities in order to meet the objectives of the program4 2 and 7,b7 in paragraph 7#c77;,c71 by inserting urban flooding1 after changing lake levels12 7#b7 by redesignating subsection 7f71 as amended by section #bja1 as subsection 7h72 and 7#c7 by inserting after subsection 7e7 the following3 7f7 ,digital display environment and building-,specific flood hazard and risk information 7#a7 ,establishment 7,a7 ,in general ,not later than #e years after the date of enactment of the ,national ,flood ,insurance ,program ,reauthorization ,act of #bjag1 the ,administrator1 in consultation with the ,technical ,mapping ,advisory ,council1 shall establish a dynamic1 database-derived digital display environment for flood hazard and risk data1 models1 maps1 and assessments4 7,b7 ,consultation with ,states and communities ,in designing and constructing the digital display environment under subparagraph 7,a71 the ,administrator shall-- 7i7 leverage and partner with ,states and communities that have successfully implemented the same approach2 and 7ii7 consider adopting the techniques and technologies used by the ,states and communities described in clause 7i7 and applying those techniques and technologies nationwide4 7#b7 ,digital display system 7,a7 ,in general ,in carrying out paragraph 7#a71 the ,administrator1 in consultation with the ,technical ,mapping ,advisory ,council1 shall establish a national digital display system that shall-- 7i7 be prompted through dynamic querying of a spatial1 relational flood hazard and risk database2 7ii7 as permissible under law1 be made available to the public2 7iii7 to the extent feasible1 and where sufficient data is available1 provide information1 with respect to individual structures1 regarding-- 7,i7 flood hazard and risk assessment determinations2 7,,ii7 flood insurance2 and 7,,iii7 flood risk mitigation efforts2 7iv7 be constructed in a manner that facilitates coordination with digital display systems that-- 7,i7 have been developed by ,state and community partners2 and 7,,ii7 the ,administrator finds are acceptable2 7v7 include the capability to print physical copies of maps2 and 7vi7 where feasible1 allow for the maintenance and storage of elevation certificates4 7,b7 ,privacy requirements ,the ,administrator may not disseminate the database described in subparagraph 7,a77i71 including any data used to create that database1 to the public or to a private company in a manner that violates section #eeb;a of title #e1 ,united ,states ,code1 or any regulation implementing that section4 7#c7 ,data procurement ,the ,administrator shall consider methods to obtain any data necessary to establish the digital display environment described in paragraph 7#a71 including-- 7,a7 requiring a community that is participating in the ,national ,flood ,insurance ,program to supply information1 including building footprints and cadastral and elevation data1 for each structure-- 7i7 with respect to which the community possesses that information2 and 7ii7 that obtains a construction or other development permit within-- 7,i7 a special flood hazard area2 or 7,,ii7 an advisory special flood hazard area adopted by the community2 7,b7 issuing guidelines and standards1 as determined by the ,administrator2 7,c7 partnering1 contracting1 or entering into agreements with other ,federal1 ,state1 local1 and private stakeholders to the greatest extent possible to obtain and share existing data that meets or exceeds the standards determined by the ,administrator under subparagraph 7,b72 and 7,d7 contracting with private companies to obtain new data collections1 such as building footprints1 cadastral data1 and elevation certificates1 if that data may be included in the environment established under paragraph 7#a74 7#d7 ,letters of map change ,in coordination with ,states and communities that have successfully implemented a dynamic1 database-derived digital display environment for flood hazard risk production and dissemination1 the ,administrator shall issue guidelines for the adoption and integration into the ,national ,flood ,mapping ,program of remote sensing or other geospatial mapping technology-based letter of map amendment approaches4 7g7 ,annual report ,the ,administrator shall submit to the ,committee on ,banking1 ,housing1 and ,urban ,affairs of the ,senate and the ,committee on ,financial ,services of the ,house of ,representatives an annual progress report regarding the mapping program under this section1 including the digital display and structure-specific information required under subsection 7f71 which shall include recommendations to reduce the cost and improve the implementation of that subsection4 4 ,,iii ,program improvements #cja4 ,replacement cost in determining premium rates 7a7 ,study of risk rating redesign flood insurance premium rating options2 report 7#a7 ,study ,the ,administrator shall conduct a study to-- 7,a7 evaluate best practices in the insurance industry for risk rating and classification1 including practices that consider replacement cost value in premium rate estimations2 and 7,b7 with respect to the estimates of risk premium rates for flood insurance made by the ,administrator under section #acjg7;a77#a7 of the ,national ,flood ,insurance ,act of #aifh 7#db ,u4,s4,c4 #djad7;a77#a77-- 7i7 assess options1 methods1 and strategies for including replacement cost value in the estimates2 7ii7 provide recommendations for including replacement cost value in the estimates2 7iii7 identify an appropriate methodology to incorporate replacement cost value into the estimates2 and 7iv7 develop a feasible implementation plan and projected timeline for including replacement cost value in the estimates4 7#b7 ,report 7,a7 ,requirement ,not later than #a year after the date of enactment of this ,act1 the ,administrator shall submit to the appropriate committees of ,congress a report that contains the results and conclusions of the study conducted under paragraph 7#a7 7referred to in this paragraph as the study74 7,b7 ,contents ,the report submitted under subparagraph 7,a7 shall include-- 7i7 an analysis of the recommendations resulting from the study and any potential impacts that those recommendations would have on the ,national ,flood ,insurance ,program1 including cost considerations2 7ii7 a description of any actions taken by the ,administrator to implement the recommendations made by the study2 7iii7 a description of any recommendations made by the study that1 as of the date on which the ,administrator submits the report1 have been deferred or not acted upon2 and 7iv7 a statement explaining the reasons for any deferral or inaction described in clause 7iii74 7b7 ,use of replacement cost value in premium rates2 implementation 7#a7 ,estimated rates ,section #acjg7;a77#a7 of the ,national ,flood ,insurance ,act of #aifh 7#db ,u4,s4,c4 #djad7;a77#a77 is amended1 in the matter preceding subparagraph 7,a71 by inserting after flood insurance the following3 1 which shall incorporate replacement cost value1 and4 7#b7 ,chargeable rates ,section #acjh7;b7 of the ,national ,flood ,insurance ,act of #aifh 7#db ,u4,s4,c4 #djae7;b77 is amended1 in the matter preceding paragraph 7#a71 by inserting after ,such rates the following3 shall incorporate replacement cost value and4 7#c7 ,phase-in 7,a7 ,in general ,during the #c-year period beginning on the date that is #a year after the date of enactment of this ,act1 the ,administrator may gradually phase in the amendments made by paragraphs 7#a7 and 7#b7 with respect to flood insurance coverage made available under the ,national ,flood ,insurance ,act of #aifh 7#db ,u4,s4,c4 #djja et seq47 for properties located in various geographic regions in the ,united ,states as sufficient information for the implementation of those amendments becomes available4 7,b7 ,deadline ,the ,administrator shall ensure that1 as of the effective date described in paragraph 7#d71 the amendments made by paragraphs 7#a7 and 7#b7 are fully implemented to apply to all flood insurance coverage made available under the ,national ,flood ,insurance ,act of #aifh 7#db ,u4,s4,c4 #djja et seq474 7#d7 ,effective date ,the amendments made by paragraphs 7#a7 and 7#b7 shall-- 7,a7 take effect on the date that is #d years after the date of enactment of this ,act2 and 7,b7 apply to the establishment of risk premium and chargeable premium rates by the ,administrator on and after the date described in subparagraph 7,a74 #cjb4 ,risk transfer options ,section #acde7;e7 of the ,national ,flood ,insurance ,act of #aifh 7#db ,u4,s4,c4 #djha7;e77 is amended-- 7#a7 by striking ,the ,administrator and inserting the following3 7#a7 ,in general ,the ,administrator 2 and 7#b7 by adding at the end the following3 7#b7 ,forms of transfer ,if the ,administrator secures reinsurance under paragraph 7#a71 the ,administrator may consider any form of risk transfer1 including traditional reinsurance1 catastrophe bonds1 collateralized reinsurance1 resilience bonds1 and other insurance-linked securities1 in order to-- 7,a7 maximize pricing competition and the diversity of sources of capital2 and 7,b7 secure the best value for the flood insurance program4 4 #cjc4 ,participation studies 7a7 ,federal entities for lending regulation 7#a7 ,in general ,the ,federal entities for lending regulation shall conduct an annual study regarding the rate at which persons who are subject to the mandatory purchase requirement are complying with that requirement4 7#b7 ,submission to ,congress ,the ,federal entities for lending regulation shall submit the result of each study conducted under paragraph 7#a7 to the appropriate committees of ,congress4 7b7 ,,fema 7#a7 ,in general ,the ,administrator shall conduct an annual study regarding the rate at which individuals who live in areas that have not been identified1 under the ,national ,flood ,insurance ,act of #aifh 7#db ,u4,s4,c4 #djja et seq47 or the ,flood ,disaster ,protection ,act of #aigc 7#db ,u4,s4,c4 #djjb et seq471 as having a special flood hazard participate in1 or receive financial assistance under1 the ,national ,flood ,insurance ,program4 7#b7 ,submission to ,congress ,the ,administrator shall submit the result of each study conducted under paragraph 7#a7 to the appropriate committees of ,congress4 #cjd4 ,study regarding coverage for business interruption 7a7 ,in general ,the ,administrator shall conduct a study on the feasibility and soundness of offering coverage for interruption business losses caused by a flood under the ,national ,flood ,insurance ,program 7referred to in this section as business interruption coverage74 7b7 ,contents ,in conducting the study under subsection 7a71 the ,administrator shall1 at a minimum-- 7#a7 evaluate insurance industry best practices for offering business interruption coverage1 including the types of coverage provided and the utilization rate2 7#b7 estimate the potential risk premium rates for business interruption coverage based on the flood risk reflected in the flood insurance rate map or other risk metrics in effect at the time of purchase2 7#c7 analyze the operational and administrative expenses associated with providing business interruption coverage and adjusting claims2 7#d7 identify potential obstacles that may prevent the ,administrator from offering business interruption coverage2 7#e7 evaluate the benefits of providing business interruption coverage2 7#f7 analyze any potential impacts on the financial position of the ,national ,flood ,insurance ,program2 and 7#g7 develop a feasibility implementation plan and projected timelines for offering business interruption coverage4 7c7 ,availability of experts ,in conducting the study under subsection 7a71 the ,administrator may accept and utilize the personnel and services of any other ,federal agency1 and appoint and fix the compensation of temporary personnel without regard to the provisions of title #e1 ,united ,states ,code1 governing appointments in the competitive service1 or employ experts and consultants in accordance with the provisions of section #caji of such title1 without regard to the provisions of chapter #ea and subchapter ,,iii of chapter #ec of such title relating to classification and ,general ,schedule pay rates4 7d7 ,deadline ,the ,administrator shall complete the study required under subsection 7a7 not later than ,september #cj of the second full fiscal year after the date of enactment of this ,act4