,,ii  #aae? ,,congress  #a/ ,session    
,s4 #aega  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,july #ag1 #bjag,mr4   
,crapo 7= himself & ,mr4 ,br[n7         
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 ! ,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 ,sec4 #d4 ,ext5sion ( 
,national ,flood ,insurance ,program4   
,,title ,i--,risk mitigation ,sec4 #aja4
 ,community prep>ation = repetitively   
flood$ areas4 ,sec4 #ajb4 ,wildfires on 
,f$]al l&4 ,sec4 #ajc4 ,increas$ co/ (  
compliance4 ,sec4 #ajd4 ,pr$isa/] haz>d 
mitigation program au?orization4 ,sec4  
#aje4 ,disclosure ( flood risk in=mation
 ^u transf] ( prop]ty4 ,sec4 #ajf4      

,multifamily mitigation4 ,sec4 #ajg4    
,te*nical assi/ance4 ,,title            
,,ii--,flood mapp+ program improvem5ts  
,sec4 #bja4 ,reau?orization ( mapp+     
program4 ,sec4 #bjb4 ,national ,flood   
,mapp+ ,program improvem5ts4 ,,title    
,,iii--,program improvem5ts ,sec4 #cja4 
,replacem5t co/ 9 det]m9+ premium rates4
 ,sec4 #cjb4 ,risk transf] options4     
,sec4 #cjc4 ,p>ticipation /udies4 ,sec4 
#cjd4 ,/udy reg>d+ cov]age = bus9ess    
int]ruption4  #c4 ,def9itions ,9 ?is    
,act--  7#a7 ! t]m ,adm9i/rator means ! 
,adm9i/rator ( ! ,f$]al ,em]g5cy        
,managem5t ,ag5cy2  7#b7 ! t]m          
appropriate committees ( ,congress      
means--  7,a7 ! ,committee on ,bank+1   
,h\s+1 & ,urban ,affairs ( ! ,s5ate2 &  
7,b7 ! ,committee on ,f9ancial ,s]vices 
( ! ,h\se ( ,repres5tatives2  7#c7 ! t]m
 ,f$]al entity = l5d+ regulation has !  
mean+ giv5 ! t]m 9 section #c7;a7 ( !   
,flood ,disa/] ,protection ,act ( #aigc 
7#db ,u4,s4,c4 #djjc7;a772  7#d7 ! t]m  
m&atory pur*ase requirem5t means !      

requirem5t "u subsections 7a7 & 7b7 (   
section #ajb ( ! ,flood ,disa/]         
,protection ,act ( #aigc 7#db ,u4,s4,c4 
#djab;a7 to h flood insurance cov]age2 &
  7#e7 ! t]m ,national ,flood ,insurance
 ,program means ! program e/abli%$ "u ! 
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #djja et seq474  #d4    
,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  ,i
 ,risk mitigation  #aja4 ,community     
prep>ation = repetitively flood$ areas  
7a7 ,9 g5]al ,section #acfa ( !         
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #dajb7 is am5d$ by add+ 
at ! end ! foll[+3  7e7 ,community      

prep>ation = repetitively flood$ areas  
7#a7 ,def9itions ,9 ?is subsection--    
7,a7 ! t]m cov]$ community means a      
community--  7i7 t is p>ticipat+1 "u    
section #acae1 9 ! national flood       
insurance program2 &  7ii7 )9 :i* are   
locat$--  7,i7 #ej or m repetitive loss 
/ructures2  7,,ii7 #e or m sev]e        
repetitive loss /ructures = :i*         
mitigation activities meet+ ! /&>ds =   
approval "u section #acff7;c77#b77;,a7 h
 n be5 conduct$2 or  7,,iii7 a public   
facility or a private nonpr(it facility 
t has receiv$ assi/ance = repair1       
re/oration1 recon/ruction1 or replacem5t
 "u section #djf ( ! ,rob]t ,t4 ,/af=d  
,disa/] ,relief & ,em]g5cy ,assi/ance   
,act 7#db ,u4,s4,c4 #eagb7 9 connection 
) m ?an #a flood+ ev5t 9 ! mo/ rec5t    
#aj-ye> p]iod2  7,b7 ! t]ms private     
nonpr(it facility & public facility h ! 
mean+s giv5 ^? t]ms 9 section #ajb ( !  
,rob]t ,t4 ,/af=d ,disa/] ,relief &     
,em]g5cy ,assi/ance ,act 7#db ,u4,s4,c4 
#eabb72  7,c7 ! t]m repetitive loss     

/ructure has ! mean+ giv5 ! t]m 9       
section #acgj7;a72 &  7,d7 ! t]m sev]e  
repetitive loss /ructure has ! mean+    
giv5 ! t]m 9 section #acff7;h74  7#b7   
,requirem5ts ,! ,adm9i/rator %all1 by   
regulation1 require any cov]$           
community-- 7,a7 to id5tify ! areas )9 !
 cov]$ community :]e prop]ties describ$ 
9 p>agraph 7#a77;,a77ii7 or flood-damag$
 facilities are locat$ to det]m9e areas 
repetitively damag$ by floods & to      
assess1 ) assi/ance f ! ,adm9i/rator1 ! 
cont9u+ risks to su* areas2  7,b7 to    
develop a community-specific plan =     
mitigat+ cont9u+ flood risks to su*     
repetitively flood$ areas & to submit   
su* plan & plan updates to !            
,adm9i/rator at appropriate int]vals2   
7,c7 to implem5t su* plans2 &  7,d7 to  
make su* plans1 plan updates1 & reports 
on progress 9 r$uc+ flood risk available
 to ! public1 subject to section #eeb;a 
( title #e1 ,unit$ ,/ates ,code4  7#c7  
,incorporation into exi/+ plans ,a plan 
develop$ pursuant to p>agraph 7#b7 may  

be incorporat$ into a mitigation plan   
develop$ "u section #acff & a haz>d     
mitigation plan develop$ "u section #cbb
 ( ! ,rob]t ,t4 ,/af=d ,disa/] ,relief &
 ,em]g5cy ,assi/ance ,act 7#db ,u4,s4,c4
 #eafe74  7#d7 ,assi/ance to a cov]$    
community  7,a7 ,data ,to assi/ a cov]$ 
community 9 prep>ation ( a plan requir$ 
"u p>agraph 7#b71 ! ,adm9i/rator %all1  
^u reque/1 provide a cov]$ community )  
appropriate data reg>d+ ! prop]ty       
addresses & dates ( claims associat$ )  
insur$ prop]ties )9 ! cov]$ community4  
7,b7 ,mitigation grants ,9 mak+ a       
det]m9ation reg>d+ f9ancial assi/ance "u
 ! au?orities ( ?is title1 !            
,adm9i/rator may consid] ! ext5t to :i* 
a cov]$ community has compli$ ) ?is     
subsection & is work+ to rem$y problems 
) address+ repetitively flood$ areas4   
7#e7 ,sanctions  7,a7 ,9 g5]al ,!       
,adm9i/rator %all1 by regulations issu$ 
9 accordance ) ! proc$ures e/abli%$ "u  
section #eec ( title #e1 ,unit$ ,/ates  
,code1 reg>d+ sub/antive rules1 provide 

appropriate sanctions = a cov]$         
community t fails to comply ) !         
requirem5ts "u ?is subsection or to make
 suffici5t progress 9 r$uc+ ! flood     
risks to areas 9 ! cov]$ community t are
 repetitively damag$ by floods4  7,b7   
,notice ,be=e impos+ any sanction       
pursuant to ?is p>agraph1 ! ,adm9i/rator
 %all provide ! cov]$ community involv$ 
) notice ( ! noncompliance t c\ld result
 9 ! imposition ( sanctions1 :i* %all   
include recomm5dations = actions to br+ 
! cov]$ community into compliance ) ?is 
subsection4  7,c7 ,consid]ations ,9     
det]m9+ appropriate sanctions to impose 
"u ?is p>agraph1 ! ,adm9i/rator %all    
consid] ! res\rces available to ! cov]$ 
community involv$1 includ+ ,f$]al fund+1
 ! portion ( ! cov]$ community t lies )9
 an area hav+ special flood haz>ds1 &   
o!r factors t make x difficult = ! cov]$
 community to conduct mitigation        
activities = exi/+ flood-prone          
/ructures4  7#f7 ,reports to congress ,n
 lat] ?an #f ye>s aft] ! date ( enactm5t

 ( ?is subsection1 & n less frequ5tly   
?an e #b ye>s !reaft]1 ! ,adm9i/rator   
%all submit a report to ,congress reg>d+
 ! progress ( cov]$ communities 9       
implem5t+ plans develop$ pursuant to    
p>agraph 7#b77;,b74  4  7b7 ,regulations
 ,n lat] ?an #a ye> aft] ! date (       
enactm5t ( ?is ,act1 ! ,adm9i/rator %all
 issue regulations necess>y to c>ry out 
subsection 7e7 ( section #acfa ( !      
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #dajb71 z add$ by       
subsection 7a7 ( ?is section4  #ajb4    
,wildfires on ,f$]al l&  7a7 ,def9ition 
( major disa/] = wildfire on ,f$]al l&  
7#a7 ,9 g5]al ,section #ajb ( ! ,rob]t  
,t4 ,/af=d ,disa/] ,relief & ,em]g5cy   
,assi/ance ,act 7#db ,u4,s4,c4 #eabb7 is
 am5d$--  7,a7 by r$esignat+ p>agraphs  
7#c7 ?r\gh 7#ab7 z p>agraphs 7#d7 ?r\gh 
7#ac71 respectively2 &  7,b7 by ins]t+  
aft] p>agraph 7#b7 ! foll[+3  7#c7      
,major disa/] = wildfire on ,f$]al l& ,!
 t]m major disa/] = wildfire on ,f$]al  
l& means any wildfire or wildfires t 9 !

 det]m9ation ( ! ,presid5t 9 accordance 
) section #hjb w>rants assi/ance "u     
section #hjc to supplem5t ! ef=ts &     
res\rces ( ! ,secret>y ( ! ,int]ior or !
 ,secret>y ( ,agriculture--  7,a7 on    
,f$]al l&2 or  7,b7 on non-,f$]al l& 9  
accordance ) a fire protection agreem5t 
or coop]ative agreem5t4  4  7#b7 ,con=m+
 am5dm5t ,section #bea7;b77#b77;,d77iii7
 ( ! ,balanc$ ,budget & ,em]g5cy        
,deficit ,control ,act ( #aihe 7#b      
,u4,s4,c4 #ija7;b77#b77;,d77iii77 is    
am5d$ by /rik+ section #ajb7b7 ( !      
,rob]t ,t4 ,/af=d ,disa/] ,relief &     
,em]g5cy ,assi/ance ,act 7#db ,u4,s4,c4 
#eabb7b77 & ins]t+ p>agraph 7#b7 or 7#c7
 ( section #ajb ( ! ,rob]t ,t4 ,/af=d   
,disa/] ,relief & ,em]g5cy ,assi/ance   
,act 7#db ,u4,s4,c4 #eabb74  7b7        
,decl>ation ( a major disa/] = wildfire 
on ,f$]al l& ,! ,rob]t ,t4 ,/af=d       
,disa/] ,relief & ,em]g5cy ,assi/ance   
,act 7#db ,u4,s4,c4 #eaba et seq47 is   
am5d$ by add+ at ! end ! foll[+3  ,,viii
 ,major ,disa/] = ,wildfire on ,f$]al   

,l&  #hja4 ,def9itions ,9 ?is title3    
7#a7 ,f$]al l& ,! t]m ,f$]al l& means-- 
7,a7 any l& "u ! jurisdiction ( !       
,secret>y ( ! ,int]ior2 &  7,b7 any l&  
"u ! jurisdiction ( ! ,secret>y (       
,agriculture1 act+ ?r\gh ! ,*ief ( !    
,=e/ ,s]vice4  7#b7 ,f$]al l& managem5t 
ag5cies ,! t]m ,f$]al l& managem5t      
ag5cies means-- 7,a7 ! ,bureau ( ,l&    
,managem5t2  7,b7 ! ,national ,p>k      
,s]vice2  7,c7 ! ,bureau ( ,indian      
,affairs2  7,d7 ! ,unit$ ,/ates ,fi% &  
,wildlife ,s]vice2 &  7,e7 ! ,=e/       
,s]vice4  7#c7 ,secret>y conc]n$ ,! t]m 
,secret>y conc]n$ means-- 7,a7 !        
,secret>y ( ! ,int]ior1 ) respect to l& 
"u ! jurisdiction ( ! ,secret>y ( !     
,int]ior2 &  7,b7 ! ,secret>y (         
,agriculture1 ) respect to l& "u !      
jurisdiction ( ! ,secret>y (            
,agriculture1 act+ ?r\gh ! ,*ief ( !    
,=e/ ,s]vice4  7#d7 ,wildfire           
suppression op]ations ,! t]m wildfire   
suppression op]ations means ! em]g5cy & 
unpr$ictable aspects ( wildl&           

firefight+1 includ+ support1 response1  
em]g5cy /abilization activities1 & o!r  
em]g5cy managem5t activities ( wildl&   
firefight+ on ,f$]al l&1 or on          
non-,f$]al l& 9 accordance ) a fire     
protection agreem5t or coop]ative       
agreem5t1 by ! ,f$]al l& managem5t      
ag5cies cov]$ by--  7,a7 ! wildfire     
suppression subactivity ( ! ,wildl&     
,fire ,managem5t acc\nt ( ! ,f$]al l&   
managem5t ag5cies2 or  7,b7 ! ,,flame   
,wildfire ,suppression ,res]ve ,fund    
acc\nt ( ! ,f$]al l& managem5t ag5cies4 
#hjb4 ,proc$ure = decl>ation ( a major  
disa/] = wildfire on f$]al l&  7a7 ,9   
g5]al ,! ,secret>y conc]n$ may submit a 
reque/ to ! ,presid5t 9 accordance ) !  
requirem5ts ( ?is title = a decl>ation  
by ! ,presid5t t a major disa/] =       
wildfire on ,f$]al l& exi/s4  7b7       
,requirem5ts ,a reque/ = a decl>ation by
 ! ,presid5t t a major disa/] = wildfire
 on ,f$]al l& exi/s %all--  7#a7 be made
 9 writ+ by ! ,secret>y conc]n$2  7#b7  
c]tify t ! am\nt made available = !     

curr5t fiscal ye> = wildfire suppression
 op]ations ( ! ,f$]al l& managem5t      
ag5cies "u ! jurisdiction ( ! ,secret>y 
conc]n$1 net ( any concurr5tly enact$   
rescissions ( wildfire suppression      
funds1 increases ! total unobligat$     
balance ( ! am\nt available = wildfire  
suppression by an am\nt equal to n less 
?an #gj p]c5t ( ! av]age total co/      
incurr$ by ! ,f$]al l& managem5t ag5cies
 p] ye> = wildfire suppression          
op]ations1 includ+ ! suppression co/s 9 
excess ( am\nts made available1 = !     
previ\s #aj fiscal ye>s2  7#c7 c]tify t1
 = ! curr5t fiscal ye>1 an am\nt equal  
to n less ?an #cj p]c5t ( ! av]age total
 co/ incurr$ by ! ,f$]al l& managem5t   
ag5cies p] ye> = wildfire suppression   
op]ations1 includ+ ! suppression co/s 9 
excess ( am\nts made available1 = !     
previ\s #aj fiscal ye>s1 has be5 made   
available = ! ,f$]al l& managem5t       
ag5cies "u ! jurisdiction ( ! ,secret>y 
conc]n$ = ! purpose ( fund+--  7,a7     
projects & activities on ,f$]al l& t    

improve ! fire regime ( areas t meet !  
desir$ future conditions ( ! applicable 
l& & res\rce managem5t plan or l& use   
plan2 or  7,b7 re/oration & resili5cy   
projects & activities on ,f$]al l& t    
meet ! desir$ future conditions ( !     
applicable l& & res\rce managem5t plan  
or l& use plan2  7#d7 c]tify t1 = !     
curr5t fiscal ye>-- 7,a7 ! sum ( !      
am\nts c]tifi$ "u p>agraphs 7#b7 & 7#c7 
is equal to n less ?an #ajj p]c5t ( !   
av]age total co/ incurr$ by ! ,f$]al l& 
managem5t ag5cies p] ye> = wildfire     
suppression op]ations1 includ+ !        
suppression co/s 9 excess ( am\nts made 
available1 = ! previ\s #aj fiscal ye>s2 
&  7,b7 ! am\nt c]tifi$ "u p>agraph 7#c7
 is 9 addition to & supplem5ts o!r      
am\nts made available = ! ,f$]al l&     
managem5t ag5cies = projects &          
activities describ$ 9 subp>agraphs 7,a7 
& 7,b7 ( p>agraph 7#c7 t equal or exce$ 
! am\nt made available = ^? projects &  
activities = fiscal ye> #bjag1 subject  
to ! condition t ! am\nt made available 

= ^? projects & activities = fiscal ye> 
#bjag %all be adju/$ annually beg9n+ )  
fiscal ye> #bjai to reflect *anges dur+ 
! prec$+ fiscal ye> 9 ! ,consum] ,price 
,index = ,all ,urban ,consum]s publi%$  
by ! ,bureau ( ,labor ,/ati/ics ( !     
,dep>tm5t ( ,labor2  7#e7 c]tify t !    
am\nt available = wildfire suppression  
op]ations ( ! ,f$]al l& managem5t       
ag5cies "u ! jurisdiction ( ! ,secret>y 
conc]n$ w be obligat$ n lat] ?an #cj    
days aft] ! ,secret>y conc]n$ notifies !
 ,presid5t t am\nts = wildfire          
suppression op]ations w be exhau/$ to   
fund ongo+ & anticipat$ wildfire        
suppression op]ations = :i* ! reque/ is 
made2 &  7#f7 specify ! am\nt requir$ = 
! fiscal ye> = :i* ! reque/ is made to  
fund wildfire suppression op]ations =   
:i* ! reque/ is made4  7c7 ,decl>ation  
,bas$ on ! reque/ ( ! ,secret>y conc]n$ 
9 accordance ) ?is title1 ! ,presid5t   
may decl>e t a major disa/] = wildfire  
on ,f$]al l& exi/s4  7d7 ,li/ ( projects
 report+ requirem5t ,n lat] ?an ,novemb]

 #a ( ea* fiscal ye>1 ! ,secret>y (     
,agriculture & ! ,secret>y ( ! ,int]ior 
%all ea* submit to ! ,committee on      
,agriculture1 ,nutrition1 & ,=e/ry1 !   
,committee on ,appropriations1 & !      
,committee on ,en]gy & ,natural         
,res\rces ( ! ,s5ate & ! ,committee on  
,agriculture1 ! ,committee on           
,appropriations1 & ! ,committee on      
,agriculture ( ! ,h\se ( ,repres5tatives
 a li/ ( projects & activities describ$ 
9 subp>agraphs 7,a7 & 7,b7 ( subsection 
7b77#c7 to be conduct$ us+ am\nts       
describ$ 9 subsection 7b77#c74  #hjc4   
,wildfire on ,f$]al l& assi/ance  7a7 ,9
 g5]al ,dur+ a p]iod = :i* a major      
disa/] = wildfire on ,f$]al l& has be5  
decl>$ "u section #hjb1 ! ,presid5t may 
transf] funds only f ! acc\nt e/abli%$  
by subsection 7b7 to ! ,secret>y conc]n$
 to conduct wildfire suppression        
op]ations on--  7#a7 ,f$]al l&2 &  7#b7 
non-,f$]al l& 9 accordance ) a fire     
protection agreem5t or coop]ative       
agreem5t4  7b7 ,wildfire suppression    

op]ations disa/] acc\nt  7#a7 ,9 g5]al  
,!re is e/abli%$ a special acc\nt = !   
assi/ance available "u a decl>ation ( a 
major disa/] = wildfire on ,f$]al l& "u 
section #hjb4  7#b7 ,use ,! acc\nt      
e/abli%$ by p>agraph 7#a7 may only be   
us$ to provide assi/ance 9 accordance ) 
?is title4  7#c7 ,au?orization (        
appropriations ,subject to ! limitation 
describ$ 9 subsection 7c77#b71 !re are  
au?oriz$ to be appropriat$ to ! acc\nt  
e/abli%$ by p>agraph 7#a7 su* sums z are
 necess>y to provide assi/ance 9        
accordance ) ?is title4  7c7            
,limitations  7#a7 ,limitation ( transf]
  7,a7 ,9 g5]al ,! assi/ance available  
"u a decl>ation ( a major disa/] =      
wildfire on ,f$]al l& "u section #hjb   
%all be limit$ to ! transf] ( ! am\nt   
reque/$ 9 accordance ) section          
#hjb7;b77#f74  7,b7 ,wildfire           
suppression op]ations disa/] acc\nt ,!  
assi/ance available = transf] "u ?is    
section %all n exce$ ! am\nt conta9$ 9 !
 acc\nt e/abli%$ by subsection 7b77#a74 

7#b7 ,maximum transf] am\nt limitation  
,if a bill or jo9t resolution mak+      
appropriations = a fiscal ye> is enact$ 
t specifies an am\nt = wildfire         
suppression op]ations 9 ! ,wildl& ,fire 
,managem5t acc\nts ( ! ,dep>tm5t (      
,agriculture or ! ,dep>tm5t ( !         
,int]ior1 ! total am\nt ( assi/ance     
appropriat$ to & transf]r$ f ! acc\nt   
e/abli%$ by subsection 7b77#a7 & 9      
accordance ) a decl>ation ( a major     
disa/] = wildfire on ,f$]al l& "u       
section #hjb to ^? ,wildl& ,fire        
,managem5t acc\nts = t fiscal ye> %all n
 exce$ #a1fdg1jjj1jjj4  7#c7 ,transf] ( 
funds ,a transf] "u ?is section %all be 
made f ! wildfire suppression op]ations 
acc\nt to ! wildfire suppression        
subactivity ( ! ,wildl& ,fire ,managem5t
 acc\nts1 to rema9 available until      
exp5d$4  7d7 ,prohibition ( o!r transf]s
 ,except z provid$ 9 ?is section1 no    
am\nts may be transf]r$ to or f ! acc\nt
 e/abli%$ by subsection 7b77#a7 to or f 
any o!r fund or acc\nt4  7e7            

,reimbursem5t = wildfire suppression    
op]ations on non-,f$]al l& ,if am\nts   
transf]r$ "u ?is section are us$ to     
conduct wildfire suppression op]ations  
on non-,f$]al l&1 ! ,secret>y conc]n$   
%all--  7#a7 secure reimbursem5t = ! co/
 ( ^? wildfire suppression op]ations2 & 
7#b7 transf] ! am\nts receiv$ "u        
p>agraph 7#a7 to ! acc\nt e/abli%$ by   
subsection 7b77#a74  7f7 ,annual acc\nt+
 & report+ requirem5ts  7#a7 ,9 g5]al ,n
 lat] ?an #ij days aft] ! la/ day ( ea* 
fiscal ye> = :i* assi/ance is receiv$ "u
 ?is section1 ! ,secret>y conc]n$ %all  
submit to ! committees describ$ 9       
p>agraph 7#b71 & make available to !    
public1 a report t describes ! foll[+3  
7,a7 ,! risk-bas$ factors t influ5c$    
managem5t decisions reg>d+ wildfire     
suppression op]ations ( ! ,f$]al l&     
managem5t ag5cies "u ! jurisdiction ( ! 
,secret>y conc]n$4  7,b7 ,specific      
discussion ( a /ati/ically significant  
sample ( l>ge fires1 9 :i* ea* fire is  
analyz$ =--  7i7 co/ driv]s2  7ii7 !    

effectiv5ess ( risk managem5t te*niques2
  7iii7 result+ positive or negative    
impacts ( fire on ! l&scape2  7iv7 !    
impact ( inve/m5ts 9 prep>$ness2  7v7   
sugge/$ corrective actions2 &  7vi7 su* 
o!r factors z ! ,secret>y conc]n$       
consid]s appropriate4  7,c7 ,total      
exp5ditures = wildfire suppression      
op]ations ( ! ,f$]al l& managem5t       
ag5cies "u ! jurisdiction ( ! ,secret>y 
conc]n$1 includ+ a description ( !      
exp5ditures by--  7i7 fire size2  7ii7  
co/2  7iii7 regional location2 &  7iv7  
su* o!r factors z ! ,secret>y conc]n$   
consid]s appropriate4  7,d7 ,lessons    
le>n$4  7,e7 ,su* o!r matt]s z !        
,secret>y conc]n$ consid]s appropriate4 
7#b7 ,committees describ$ ,! committees 
ref]r$ to 9 p>agraph 7#a7 are--  7,a7 ( 
! ,s5ate-- 7i7 ! ,committee on          
,agriculture1 ,nutrition1 & ,=e/ry2     
7ii7 ! ,committee on ,appropriations2   
7iii7 ! ,committee on ! ,budget2  7iv7 !
 ,committee on ,en]gy & ,natural        
,res\rces2  7v7 ! ,committee on ,homel& 

,security & ,gov]nm5tal ,affairs2 &     
7vi7 ! ,committee on ,indian ,affairs2 &
  7,b7 ( ! ,h\se ( ,repres5tatives--    
7i7 ! ,committee on ,agriculture2  7ii7 
! ,committee on ,appropriations2  7iii7 
! ,committee on ! ,budget2  7iv7 !      
,committee on ,natural ,res\rces2 &  7v7
 ! ,committee on ,transportation &      
,infra/ructure4  7g7 ,sav+s provision   
,except z provid$ 9 subsections 7c7 &   
7d71 no?+ 9 ?is title limits ! ,secret>y
 ( ! ,int]ior1 ! ,secret>y (            
,agriculture1 an ,indian tribe1 or a    
,/ate f receiv+ assi/ance ?r\gh a       
decl>ation made by ! ,presid5t "u ?is   
,act if ! crit]ia = t decl>ation are    
satisfi$4  4  7c7 ,prohibition on       
transf]s ,no am\nts may be transf]r$ to 
or f ! wildfire suppression subactivity 
( ! ,wildl& ,fire ,managem5t acc\nt or !
 ,,flame ,wildfire ,suppression ,res]ve 
,fund acc\nt ( ! ,f$]al l& managem5t    
ag5cies1 z def9$ 9 section #hja ( !     
,rob]t ,t4 ,/af=d ,disa/] ,relief &     
,em]g5cy ,assi/ance ,act1 z add$ by     

subsection 7b71 to or f any o!r acc\nt  
or subactivity ( ^? ,f$]al l& managem5t 
ag5cies t is n us$ to cov] ! co/ (      
wildfire suppression op]ations4  7d7    
,effective date ,?is section & !        
am5dm5ts made by ?is section %all take  
effect on ,octob] #a1 #bjag4  #ajc4     
,increas$ co/ ( compliance  7a7 ,9 g5]al
 ,section #acjd7;b7 ( ! ,national ,flood
 ,insurance ,act ( #aifh 7#db ,u4,s4,c4 
#djaa7;b77 is am5d$--  7#a7 9 p>agraph  
7#d71 by r$esignat+ subp>agraphs 7,a7   
?r\gh 7,d7 z clauses 7i7 ?r\gh 7iv71    
respectively1 & adju/+ ! m>g9s          
accord+ly2  7#b7 by r$esignat+ p>agraphs
 7#a7 ?r\gh 7#d7 z subp>agraphs 7,a7    
?r\gh 7,d71 respectively1 & adju/+ !    
m>g9s accord+ly2  7#c7 9 ! matt] prec$+ 
subp>agraph 7,a71 z s r$esignat$1 by    
/rik+ ,! national & ins]t+ ! foll[+3    
7#a7 ,9 g5]al ,! national  2  7#d7 9    
p>agraph 7#a71 z s designat$-- 7,a7 9   
subp>agraph 7,a71 z s r$esignat$1 by    
ins]t+ 1 )\t reg>d to :e!r ! prop]ty is 
9 an area hav+ special flood haz>ds aft]

 loss /ructures2  7,b7 9 subp>agraph    
7,c71 z s r$esignat$1 by /rik+ ! p]iod  
at ! end & ins]t+ a semicolon2  7,c7 9  
subp>agraph 7,d71 z s r$esignat$-- 7i7 9
 ! matt] prec$+ clause 7i71 z s         
r$esignat$1 by ins]t+ subject to        
p>agraph 7#b71 be=e prop]ties = :i*2 &  
7ii7 9 clause 7iv71 z s r$esignat$1 by  
/rik+ ! p]iod at ! end & ins]t+ 2 &2 &  
7,d7 by add+ at ! end ! foll[+3  7,e7 a 
prop]ty outside an area hav+ special    
flood haz>ds if ! community1 "u section 
#acfa1 has e/abli%$ l& use & control    
measures = ! area 9 :i* ! prop]ty is    
locat$4  2 &  7#e7 by /rik+ ! flu% text 
foll[+ p>agraph 7#a77;,e71 z add$ by    
p>agraph 7#d77;,d7 ( ?is subsection1 &  
ins]t+ ! foll[+3  7#b7 ,use ( funds =   
mitigation projects ,! ,adm9i/rator %all
 all[ a policyhold] to use insurance    
pur*as$ "u ?is subsection = any eligible
 project co/s "u a program describ$ 9   
clause 7i71 7ii71 or 7iii7 ( p>agraph   
7#a77;,d7 ( an acquisition1 demolition1 
elevation1 relocation1 or small         

/ructural project fund$ "u t program1   
includ+--  7,a7 asbe/os rem$iation2     
7,b7 ! demolition ( a driveway or       
sidewalk :5 a /ructure is acquir$2 &    
7,c7 ! addition ( a lift1 ramp1 or o!r  
device t is necess>y = a home[n] or     
occupant ) a physical limitation or     
disability to safely access a home t has
 be5 elevat$4  7#c7 ,sur*>ges  7,a7     
,prim>y cov]age ,! ,adm9i/rator %all    
impose a sur*>ge on ea* insur$ ( an     
am\nt p] policy t ! ,adm9i/rator        
det]m9es is appropriate 9 ord] to       
provide co/ ( compliance cov]age 9      
accordance ) p>agraph 7#d77;,a74  7,b7  
,enhanc$ cov]age ,= ea* policy = flood  
insurance made available "u ?is title ) 
respect to :i* enhanc$ cov]age is       
provid$ "u p>agraph 7#d77;,b71 !        
,adm9i/rator %all impose a sur*>ge1 9   
addition to ! sur*>ge impos$ "u         
subp>agraph 7,a71 9 an am\nt t !        
,adm9i/rator det]m9es appropriate4  7#d7
 ,am\nt ( cov]age  7,a7 ,prim>y cov]age 
,ea* policy = flood insurance cov]age   

made available "u ?is title %all provide
 cov]age "u ?is subsection hav+ an      
aggregate liability = any s+le prop]ty (
 #fj1jjj4  7,b7 ,enhanc$ cov]age        
,not)/&+ ! limitation "u subp>agraph    
7,a71 ! ,adm9i/rator %all provide1 ^u   
reque/ by a policyhold]1 enhanc$ cov]age
 "u ?is subsection hav+ an aggregate    
liability = any s+le prop]ty 9 an am\nt 
t is n m ?an #ajj1jjj4  7#e7 ,treatm5t (
 cov]age limits ,! pur*ase ( insurance  
"u ?is subsection ) respect to a prop]ty
 %all n be c\nt$ = ! purposes ( any     
limitation on cov]age ) respect to t    
prop]ty "u section #acjf7;b74  4  7b7   
,te*nical & con=m+ am5dm5t ,n lat] ?an  
#a ye> aft] ! date ( enactm5t ( ?is     
,act1 ! ,adm9i/rator %all am5d ! ,/&>d  
,flood ,insurance ,policy set =? 9      
app5dix ,a to "p #fa ( title #dd1 ,code 
( ,f$]al ,regulations1 to con=m ! item  
relat+ to ,cov]age ,d--,increas$ ,co/ ( 
,compliance to ! cov]age limitations    
describ$ 9 subp>agraphs 7,a7 & 7,b7 (   
section #acjd7;b77#d7 ( ! ,national     

,flood ,insurance ,act ( #aifh 7#db     
,u4,s4,c4 #djaa7;b77#d771 z add$ by     
subsection 7a77#e7 ( ?is section4  #ajd4
 ,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$ #bjj1jjj1jjj to c>ry out !  
pr$isa/] haz>d mitigation program "u    
section #bjc ( ! ,rob]t ,t4 ,/af=d      
,disa/] ,assi/ance & ,em]g5cy ,relief   
,act 7#db ,u4,s4,c4 #eacc74  #aje4      
,disclosure ( flood risk in=mation ^u   
transf] ( prop]ty  7a7 ,9 g5]al ,*apt]  
,i ( ! ,national ,flood ,insurance ,act 
( #aifh 7#db ,u4,s4,c4 #djaa et seq47 is
 am5d$ by add+ at ! end ! foll[+3       
#acbf4 ,disclosure ( flood risk         
in=mation ^u transf] ( prop]ty  7a7 ,9  
g5]al ,aft] ,septemb] #cj1 #bjbb1 no new
 flood insurance cov]age may be provid$ 
"u ?is title = any real prop]ty unless  
an appropriate public body has impos$1  
by /atute or regulation1 a duty on any  
sell] or lessor ( improv$ real e/ate to 

provide to any pur*as] or lessee 7)     
respect to a lease = a t]m t is n %ort] 
?an #cj days7 ( ! prop]ty a prop]ty     
flood haz>d disclosure t ! ,adm9i/rator 
has det]m9$ meets ! requirem5ts (       
subsection 7b74  7b7 ,disclosure        
requirem5ts  7#a7 ,requirem5ts = sell]s 
,a prop]ty flood haz>d disclosure = !   
sale ( a prop]ty %all meet ! requirem5ts
 ( ?is subsection only if ! disclosure--
  7,a7 is made 9 writ+2  7,b7 discloses 
any actual k ( ! sell] ( any--  7i7     
prior physical damage caus$ by flood to 
a /ructure locat$ on ! prop]ty2  7ii7   
prior insurance claim = a loss cov]$ "u 
! national flood insurance program or   
private flood insurance ) respect to !  
prop]ty2  7iii7 previ\s notification    
reg>d+ ! designation ( ! prop]ty z a    
repetitive loss /ructure or sev]e       
repetitive loss /ructure 7z def9$ 9     
section #acff7;h772 &  7iv7 ,f$]al legal
 obligation to obta9 & ma9ta9 flood     
insurance runn+ ) ! prop]ty2 &  7,c7 is 
deliv]$ by1 or on behalf (1 ! sell] to !

 pur*as] be=e ! pur*as] becomes obligat$
 "u any contract to pur*ase ! prop]ty4  
7#b7 ,requirem5ts = lessors ,a prop]ty  
flood haz>d disclosure = a r5tal prop]ty
 ) a lease = a t]m t is n %ort] ?an #cj 
days %all meet ! requirem5ts ( ?is      
subsection only if ! disclosure--  7,a7 
is made 9 writ+2  7,b7 discloses any    
actual k ( ! lessor--  7i7 ( any ,f$]al 
legal obligation to obta9 & ma9ta9 flood
 insurance runn+ ) ! prop]ty2  7ii7     
reg>d+ any prior physical damage caus$  
by flood ) respect to ! unit be+ leas$2 
&  7iii7 ( ! availability ( cov]age "u  
?is title = cont5ts locat$ 9 a /ructure 
on ! prop]ty2 &  7,c7 is deliv]$ by1 or 
on behalf (1 ! lessor to ! lessee be=e !
 lessee becomes obligat$ "u any contract
 to lease ! prop]ty4  7#c7 ,rule (      
con/ruction ,no?+ 9 ?is section may be  
con/ru$ z prev5t+ a ,/ate f adopt+      
disclosure requirem5ts 9 addition to !  
requirem5ts ( ?is section4  4  7b7      
,availability ( flood insurance cov]age 
,section #acje7;c7 ( ! ,national ,flood 

,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djab7;c77 is am5d$--  7#a7 9 p>agraph  
7#a71 by /rik+ 1 & at ! end & ins]t+ a  
semicolon2  7#b7 9 p>agraph 7#b71 by    
/rik+ ! p]iod at ! end & ins]t+ 2 &2 &  
7#c7 by add+ at ! end ! foll[+3  7#c7   
giv5 satisfactory assurance t1 by       
,octob] #a1 #bjbb1 prop]ty flood haz>d  
disclosure requirem5ts w h be5 adopt$ = 
! area 7or subdivision7 t meet !        
requirem5ts ( section #acbf4  4  #ajf4  
,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    
,risk premium rate r$uction ,section    
#acjh7k7 ( ! ,national ,flood ,insurance
 ,act ( #aifh 7#db ,u4,s4,c4 #djae7k77  
is am5d$ 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 ! guidel9es issu$ "u     
section #acfa7;d72 &  7#b7 not)/&+ any  
o!r provision ( law1 *>ge a risk premium
 rate t accurately reflects ! r$uction 9
 flood risk to a build+1 includ+ a      
multifamily build+ 9 an urban area1     
result+ f ! use ( an alt]native me?od ( 
mitigation e/abli%$ by ! ,adm9i/rator "u
 section #acfa7;d77#a74  4  7c7 ,l& use 
controls ,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 
secure flood insurance cov]age "u ?is   

title1 to adopt l& use & control        
measures = ! repair1 re/oration1 or     
sub/antial improvem5t ( any mid- or     
high-rise multifamily 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 7ii74    
7,d7 ,p>tial mitigation guidel9es ,!    
,adm9i/rator %all e/abli% guidel9es =   
p]=mance /&>ds t %all-- 7i7 all[ = a    
comb9ation ( p>tial mitigation          
activities1 o!r ?an elevation1 = areas  
7o!r ?an resid5tial areas7 9 a cov]$    
area describ$ 9 subp>agraph 7,b72 &     
7ii7 be appli$ to mid- & high-rise      
multifamily build+s 9 ! areas describ$ 9
 clause 7i74  4  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 ( 
p>tial mitigation me?ods ,not)/&+ any   
o!r provision ( law1 ) respect to a     
*>geable premium rate prescrib$ = a     
build+ describ$ 9 section               
#acae7;a77#c77;,b71 ! ,adm9i/rator %all 
ensure t ! *>geable premium rate prop]ly
 reflects ! r$uction 9 flood risk aft]  
adopt+ & implem5t+ ! l& use & control   
measures describ$ 9 t section1 if       
applicable4  4  #ajg4 ,te*nical         

assi/ance ,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 91 & b5efit f1 ! 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$4  4  ,,ii ,flood
 mapp+ program improvem5ts  #bja4       
,reau?orization ( mapp+ program ,section
 #ajjbaf7;f7 ( ! ,bigg]t-,wat]s ,flood  
,insurance ,re=m ,act ( #bjab 7#db      
,u4,s4,c4 #daja;b7f77 is am5d$ by /rik+ 
#bjag & ins]t+ #bjbc4  #bjb4 ,national  
,flood ,mapp+ ,program improvem5ts      

,section #ajjbaf ( ! ,bigg]t-,wat]s     
,flood ,insurance ,re=m ,act ( #bjab    
7#db ,u4,s4,c4 #daja;b7 is am5d$--  7#a7
 9 subsection 7b7-- 7,a7 9 p>agraph     
7#a7--  7i7 by r$esignat+ subp>agraphs  
7,b7 & 7,c7 z subp>agraphs 7,c7 & 7,d71 
respectively2  7ii7 by ins]t+ aft]      
subp>agraph 7,a7 ! foll[+3  7,b7 z soon 
z practicable-- 7i7 mod]nize ! flood    
mapp+ inv5tory = communities = :i* !    
,national ,flood ,insurance ,program    
rate maps h n be5 mod]niz$2 &  7ii7 9   
coord9ation ) communities1 utilize !    
digital display environm5t e/abli%$ "u  
subsection 7f77#a77;,a7 to /ore &       
dissem9ate any flood haz>d data1 models1
 & maps g5]at$ "u clause 7i7 :ile ensur+
 t ! flood mapp+ inv5tory describ$ 9 t  
clause may be pr9t$ 9 ord] to c>ry out--
  7,i7 floodpla9 managem5t programs "u !
 ,national ,flood ,insurance ,act (     
#aifh 7#db ,u4,s4,c4 #djja et seq472 &  
7,,ii7 o!r purposes ( ! ,national ,flood
 ,insurance ,program2  2  7iii7 9       
subp>agraph 7,c71 z s r$esignat$1 by    

/rik+ & at ! end2  7iv7 9 subp>agraph   
7,d71 z s r$esignat$-- 7,i7 by ins]t+ 1 
includ+ ! mo/ curr5t & mo/ appropriate  
remote s5s+ or o!r geospatial mapp+     
te*nology aft] available2 &  7,,ii7 by  
/rik+ ! p]iod at ! end & ins]t+ 2 &2 &  
7v7 by add+ at ! end ! foll[+3  7,e7 :5 
appropriate1 p>tn] ) o!r ,f$]al ag5cies1
 ,/ates1 communities1 & private entities
 9 ord] to meet ! objectives ( !        
program4  2 &  7,b7 9 p>agraph          
7#c77;,c71 by ins]t+ urban flood+1 aft] 
*ang+ lake levels12  7#b7 by r$esignat+ 
subsection 7f71 z am5d$ by section #bja1
 z subsection 7h72 &  7#c7 by ins]t+    
aft] subsection 7e7 ! foll[+3  7f7      
,digital display environm5t &           
build+-,specific flood haz>d & risk     
in=mation  7#a7 ,e/abli%m5t  7,a7 ,9    
g5]al ,n lat] ?an #e ye>s aft] ! date ( 
enactm5t ( ! ,national ,flood ,insurance
 ,program ,reau?orization ,act ( #bjag1 
! ,adm9i/rator1 9 consultation ) !      
,te*nical ,mapp+ ,advisory ,c\ncil1 %all
 e/abli% a dynamic1 database-d]iv$      

digital display environm5t = flood haz>d
 & risk data1 models1 maps1 &           
assessm5ts4  7,b7 ,consultation ) ,/ates
 & communities ,9 design+ & con/ruct+ ! 
digital display 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+ ^? te*niques & te*nologies       
nationwide4  7#b7 ,digital display sy/em
  7,a7 ,9 g5]al ,9 c>ry+ out p>agraph   
7#a71 ! ,adm9i/rator1 9 consultation ) !
 ,te*nical ,mapp+ ,advisory ,c\ncil1    
%all e/abli% a national digital display 
sy/em t %all--  7i7 be prompt$ ?r\gh    
dynamic qu]y+ ( a spatial1 relational   
flood haz>d & risk database2  7ii7 z    
p]missible "u law1 be made available to 
! public2  7iii7 to ! ext5t feasible1 & 
:]e suffici5t data is available1 provide
 in=mation1 ) respect to individual     
/ructures1 reg>d+--  7,i7 flood haz>d & 

risk assessm5t det]m9ations2  7,,ii7    
flood insurance2 &  7,,iii7 flood risk  
mitigation ef=ts2  7iv7 be con/ruct$ 9 a
 mann] t facilitates coord9ation )      
digital display sy/ems t--  7,i7 h be5  
develop$ by ,/ate & community p>tn]s2 & 
7,,ii7 ! ,adm9i/rator f9ds are          
acceptable2  7v7 include ! capability to
 pr9t physical copies ( maps2 &  7vi7   
:]e feasible1 all[ = ! ma9t5ance &      
/orage ( elevation c]tificates4  7,b7   
,privacy requirem5ts ,! ,adm9i/rator may
 n dissem9ate ! database describ$ 9     
subp>agraph 7,a77i71 includ+ any data   
us$ to create t database1 to ! public or
 to a private company 9 a mann] t       
violates section #eeb;a ( title #e1     
,unit$ ,/ates ,code1 or any regulation  
implem5t+ t section4  7#c7 ,data        
procurem5t ,! ,adm9i/rator %all consid] 
me?ods to obta9 any data necess>y to    
e/abli% ! digital display environm5t    
describ$ 9 p>agraph 7#a71 includ+--     
7,a7 requir+ a community t is p>ticipat+
 9 ! ,national ,flood ,insurance        

,program to supply in=mation1 includ+   
build+ footpr9ts & cada/ral & elevation 
data1 = ea* /ructure--  7i7 ) respect to
 :i* ! community possesses t in=mation2 
&  7ii7 t obta9s a con/ruction or o!r   
developm5t p]mit )9--  7,i7 a special   
flood haz>d area2 or  7,,ii7 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]+1 contract+1 or ent]+ into   
agreem5ts ) 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 data collections1 su* z build+
 footpr9ts1 cada/ral data1 & elevation  
c]tificates1 if t data may be includ$ 9 
! environm5t e/abli%$ "u p>agraph 7#a74 
7#d7 ,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 ( remote s5s+ or 
o!r geospatial mapp+ te*nology-bas$     
lett] ( map am5dm5t approa*es4  7g7     
,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 reg>d+ ! mapp+ program  
"u ?is section1 includ+ ! digital       
display & /ructure-specific in=mation   
requir$ "u subsection 7f71 :i* %all     
include recomm5dations to r$uce ! co/ & 
improve ! implem5tation ( t subsection4 
4  ,,iii ,program improvem5ts  #cja4    
,replacem5t co/ 9 det]m9+ premium rates 
7a7 ,/udy ( risk rat+ r$esign flood     
insurance premium rat+ options2 report  
7#a7 ,/udy ,! ,adm9i/rator %all conduct 
a /udy to-- 7,a7 evaluate be/ practices 
9 ! insurance indu/ry = risk rat+ &     
classification1 includ+ practices t     

consid] replacem5t co/ value 9 premium  
rate e/imations2 &  7,b7 ) respect to ! 
e/imates ( risk premium rates = flood   
insurance made by ! ,adm9i/rator "u     
section #acjg7;a77#a7 ( ! ,national     
,flood ,insurance ,act ( #aifh 7#db     
,u4,s4,c4 #djad7;a77#a77--  7i7 assess  
options1 me?ods1 & /rategies = includ+  
replacem5t co/ value 9 ! e/imates2  7ii7
 provide recomm5dations = includ+       
replacem5t co/ value 9 ! e/imates2      
7iii7 id5tify an appropriate me?odology 
to incorporate replacem5t co/ value into
 ! e/imates2 &  7iv7 develop a feasible 
implem5tation plan & project$ timel9e = 
includ+ replacem5t co/ value 9 !        
e/imates4  7#b7 ,report  7,a7           
,requirem5t ,n lat] ?an #a ye> aft] !   
date ( enactm5t ( ?is ,act1 !           
,adm9i/rator %all submit to !           
appropriate committees ( ,congress a    
report t conta9s ! results & conclusions
 ( ! /udy conduct$ "u p>agraph 7#a7     
7ref]r$ to 9 ?is p>agraph z ! /udy74    
7,b7 ,cont5ts ,! report submitt$ "u     

subp>agraph 7,a7 %all include-- 7i7 an  
analysis ( ! recomm5dations result+ f ! 
/udy & any pot5tial impacts t ^?        
recomm5dations w\ld h on ! ,national    
,flood ,insurance ,program1 includ+ co/ 
consid]ations2  7ii7 a description ( any
 actions tak5 by ! ,adm9i/rator to      
implem5t ! recomm5dations made by !     
/udy2  7iii7 a description ( any        
recomm5dations made by ! /udy t1 z ( !  
date on :i* ! ,adm9i/rator submits !    
report1 h be5 def]r$ or n act$ ^u2 &    
7iv7 a /atem5t expla9+ ! reasons = any  
def]ral or inaction describ$ 9 clause   
7iii74  7b7 ,use ( replacem5t co/ value 
9 premium rates2 implem5tation  7#a7    
,e/imat$ rates ,section #acjg7;a77#a7 ( 
! ,national ,flood ,insurance ,act (    
#aifh 7#db ,u4,s4,c4 #djad7;a77#a77 is  
am5d$1 9 ! matt] prec$+ subp>agraph     
7,a71 by ins]t+ aft] flood insurance !  
foll[+3 1 :i* %all incorporate          
replacem5t co/ value1 &4  7#b7 ,*>geable
 rates ,section #acjh7;b7 ( ! ,national 
,flood ,insurance ,act ( #aifh 7#db     

,u4,s4,c4 #djae7;b77 is am5d$1 9 ! matt]
 prec$+ p>agraph 7#a71 by ins]t+ aft]   
,su* rates ! foll[+3 %all incorporate   
replacem5t co/ value &4  7#c7 ,phase-9  
7,a7 ,9 g5]al ,dur+ ! #c-ye> p]iod      
beg9n+ on ! date t is #a ye> aft] ! date
 ( enactm5t ( ?is ,act1 ! ,adm9i/rator  
may gradually phase 9 ! am5dm5ts made by
 p>agraphs 7#a7 & 7#b7 ) respect to     
flood insurance cov]age made available  
"u ! ,national ,flood ,insurance ,act ( 
#aifh 7#db ,u4,s4,c4 #djja et seq47 =   
prop]ties locat$ 9 v>i\s geographic     
regions 9 ! ,unit$ ,/ates z suffici5t   
in=mation = ! implem5tation ( ^?        
am5dm5ts becomes available4  7,b7       
,deadl9e ,! ,adm9i/rator %all ensure t1 
z ( ! effective date describ$ 9 p>agraph
 7#d71 ! am5dm5ts made by p>agraphs 7#a7
 & 7#b7 are fully implem5t$ to apply to 
all flood insurance cov]age made        
available "u ! ,national ,flood         
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djja et seq474  7#d7 ,effective date ,!
 am5dm5ts made by p>agraphs 7#a7 & 7#b7 

%all-- 7,a7 take effect on ! date t is  
#d ye>s aft] ! date ( enactm5t ( ?is    
,act2 &  7,b7 apply to ! e/abli%m5t (   
risk premium & *>geable premium rates by
 ! ,adm9i/rator on & aft] ! date        
describ$ 9 subp>agraph 7,a74  #cjb4     
,risk transf] options ,section #acde7;e7
 ( ! ,national ,flood ,insurance ,act ( 
#aifh 7#db ,u4,s4,c4 #djha7;e77 is      
am5d$-- 7#a7 by /rik+ ,! ,adm9i/rator & 
ins]t+ ! foll[+3  7#a7 ,9 g5]al ,!      
,adm9i/rator  2 &  7#b7 by add+ at ! end
 ! foll[+3  7#b7 ,=ms ( transf] ,if !   
,adm9i/rator secures re9surance "u      
p>agraph 7#a71 ! ,adm9i/rator may       
consid] any =m ( risk transf]1 includ+  
traditional re9surance1 cata/rophe      
bonds1 collat]aliz$ re9surance1         
resili5ce bonds1 & o!r insurance-l9k$   
securities1 9 ord] to--  7,a7 maximize  
pric+ competition & ! div]sity ( s\rces 
( capital2 &  7,b7 secure ! be/ value = 
! flood insurance program4  4  #cjc4    
,p>ticipation /udies  7a7 ,f$]al        
entities = l5d+ regulation  7#a7 ,9     

g5]al ,! ,f$]al entities = l5d+         
regulation %all conduct an annual /udy  
reg>d+ ! rate at :i* p]sons :o are      
subject to ! m&atory pur*ase requirem5t 
are comply+ ) t requirem5t4  7#b7       
,submission to ,congress ,! ,f$]al      
entities = l5d+ regulation %all submit !
 result ( ea* /udy conduct$ "u p>agraph 
7#a7 to ! appropriate committees (      
,congress4  7b7 ,,fema  7#a7 ,9 g5]al ,!
 ,adm9i/rator %all conduct an annual    
/udy reg>d+ ! rate at :i* individuals :o
 live 9 areas t h n be5 id5tifi$1 "u !  
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #djja et seq47 or !     
,flood ,disa/] ,protection ,act ( #aigc 
7#db ,u4,s4,c4 #djjb et seq471 z hav+ a 
special flood haz>d p>ticipate 91 or    
receive f9ancial assi/ance "u1 !        
,national ,flood ,insurance ,program4   
7#b7 ,submission to ,congress ,!        
,adm9i/rator %all submit ! result ( ea* 
/udy conduct$ "u p>agraph 7#a7 to !     
appropriate committees ( ,congress4     
#cjd4 ,/udy reg>d+ 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