,,ii  #aae? ,,congress  #a/ ,session    
,s4 #agih  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,septemb] #ab1         
#bjag,mr4 ,van ,holl5 7= himself1 ,mr4  
,s*atz1 & ,mr4 ,book]7 introduc$ !      
foll[+ bill2 :i* 0 read twice & ref]r$  
to ! ,committee on ,bank+1 ,h\s+1 &     
,urban ,affairs  ,a ,,bill  ,to e/abli% 
a ,f$]al /&>d 9 ord] to improve !       
,nation's resili5ce to curr5t & future  
flood risk4  #a4 ,%ort title ,?is ,act  
may be cit$ z ! ,f$]al ,flood ,managem5t
 ,act ( #bjag4  #b4 ,def9itions ,9 ?is  
,act--  7#a7 ! t]m ,adm9i/rator means ! 
,adm9i/rator ( ! ,f$]al ,em]g5cy        
,managem5t ,ag5cy2  7#b7 ! t]m ag5cy--  
7,a7 has ! mean+ giv5 ! t]m ,executive  
ag5cy 9 section #aje ( title #e1 ,unit$ 
,/ates ,code2  7,b7 includes milit>y    
dep>tm5ts2 &  7,c7 does n apply to an   
ag5cy t does n take ag5cy actions 9 or  
affect+ floodpla9s2  7#c7 ! t]m ag5cy   
action means1 ) respect to an ag5cy--   
7,a7 acquir+1 manag+1 & dispos+ ( ,f$]al
 l&s & facilities2  7,b7 provid+        

con/ruction & improvem5ts t are         
und]tak51 f9anc$ by1 or assi/$ by !     
,f$]al ,gov]nm5t2 &  7,c7 conduct+      
,f$]al activities & programs t affect l&
 use1 includ+ plann+1 regulat+1 & lic5s+
 activities relat+ to wat] & l&         
res\rces2  7#d7 ! t]m base flood means a
 flood t has a n less ?an #a p]c5t *ance
 ( occurr+ 9 a ye>2  7#e7 ! t]m critical
 action means any ag5cy action ) respect
 to :i* ! head ( ! ag5cy det]m9es a     
slight *ance ( flood+ w\ld pres5t an    
unacceptable am\nt ( risk2  7#f7 ! t]m  
,executive ,ord] #aaihh means ,executive
 ,ord] #aaihh 7#db ,f$4 ,reg4 #bfiea2   
relat+ to floodpla9 managem5t72  7#g7 ! 
t]m f$]ally fund$ project means an      
action 9 :i* ,f$]al funds are us$1 )    
respect to a /ructure or facility1 = new
 con/ruction1 = sub/antial improvem5t1  
or to address sub/antial damage2  7#h7 !
 t]m floodpla9 means1 subject to section
 #d7;b77#b71 ! l[l& & relatively flat   
area t adjo9s inl& & coa/al wat]s       
7includ+ flood-prone areas ( (f%ore     

isl&s72  7#i7 ! t]m ,national ,flood    
,insurance ,program means ! program     
e/abli%$ "u ! ,national ,flood          
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djja et seq472  7#aj7 ! t]m ,/&>d means
 ! ,f$]al ,flood ,risk ,managem5t ,/&>d 
set =? 9 ,app5dix ,g to ,guidel9es =    
,implem5t+ ,executive ,ord] #aaihh1     
,floodpla9 ,managem5t1 & ,executive     
,ord] #acfij1 ,e/abli%+ a ,f$]al ,flood 
,risk ,managem5t ,/&>d & a ,process =   
,fur!r ,solicit+ & ,consid]+ ,/akehold] 
,input1 publi%$ on ,octob] #h1 #bjae2 & 
7#aa7 ! t]m ,wat] ,res\rces ,c\ncil     
means ! ,c\ncil e/abli%$ "u section #aja
 ( ! ,wat] ,res\rces ,plann+ ,act 7#db  
,u4,s4,c4 #aifb;a74  #c4 ,s5se (        
,congress ,x is ! s5se ( ,congress t--  
7#a7 x %\ld be ! policy ( ! ,unit$      
,/ates to improve ! resili5cy (         
communities & assets ( ! ,f$]al         
,gov]nm5t aga9/ ! impacts ( flood+2     
7#b7 ! impacts ( flood+ are anticipat$  
to increase ov] "t due to increas$      
future risk & great] developm5t on      

floodpla9s2  7#c7 losses caus$ by flood+
 affect-- 7,a7 ! environm5t2  7,b7 !    
economic prosp]ity ( ! ,unit$ ,/ates2   
7,c7 public heal? & safety2 &  7,d7 !   
national security ( ! ,unit$ ,/ates2    
7#d7 ! ,f$]al ,gov]nm5t mu/ take action1
 in=m$ by ! be/ available & actionable  
sci5ce1 to improve ! prep>$ness &       
resili5ce ( ! ,unit$ ,/ates ) respect to
 flood+2  7#e7 ,executive ,ord] #aaihh  
requires ag5cies to avoid-- 7,a7 to !   
maximum ext5t practicable1 ! long- &    
%ort-t]m adv]se impacts associat$ ) !   
occupancy & modification ( floodpla9s2 &
  7,b7 direct or indirect support (     
floodpla9 developm5t :5ev] a m          
practicable alt]native is available2    
7#f7 to implem5t ,executive ,ord]       
#aaihh1 ! ,f$]al ,gov]nm5t has develop$ 
processes = evaluat+ ! impacts ( ,f$]al 
actions 9 or affect+ floodpla9s2  7#g7 9
 ,june #bjac1 an int]ag5cy ef=t to      
create a new flood risk r$uction /&>d = 
f$]ally fund$ projects 0 initiat$2  7#h7
 9 e/abli%+ ! /&>d describ$ 9 p>agraph  

7#g71 ! views ( gov]nors1 mayors1 &     
int]e/$ memb]s ( ! public 7 solicit$ &  
consid]$2  7#i7 ! result ( ! ef=ts      
describ$ 9 p>agraphs 7#g7 & 7#h7 is !   
,/&>d1 a flexible framework to increase 
resili5ce aga9/ flood+ & help pres]ve ! 
natural values ( floodpla9s2 &  7#aj7   
enact+ ! ,/&>d w ensure t ag5cies exp&  
managem5t f ! base flood level 9 effect 
z ( ! date ( enactm5t ( ?is ,act to a   
high] v]tical elevation & a correspond+ 
horizontal floodpla9 9 ord] to--  7,a7  
address curr5t & future flood risk2 &   
7,b7 ensure t f$]ally fund$ projects la/
 z long z int5d$4  #d4 ,floodpla9       
managem5t  7a7 ,9 g5]al ,! head ( ea*   
ag5cy %all provide lead]%ip & %all take 
action1 :5 c>ry+ out an ag5cy action1   
to--  7#a7 r$uce ! risk ( losses result+
 f floods2  7#b7 m9imize ! impact (     
floods on human safety heal?1 & welf>e2 
&  7#c7 re/ore & pres]ve ! natural &    
b5eficial values s]v$ by floodpla9s4    
7b7 ,ag5cy responsibilities  7#a7 ,9    
g5]al ,9 c>ry+ out an ag5cy action z    

describ$ 9 subsection 7a71 ! head ( ea* 
ag5cy %all-- 7,a7 evaluate ! pot5tial   
effects ( any ag5cy action tak5 by !    
ag5cy 9 a floodpla91 z det]m9$ "u       
p>agraph 7#b72  7,b7 ensure t ! plann+  
programs & budget reque/s ( ! ag5cy     
reflect consid]ation ( flood haz>ds & ! 
managem5t ( floodpla9s2 &  7,c7         
prescribe proc$ures to implem5t !       
policies & requirem5ts ( ?is ,act-- 7i7 
to ! ext5t p]mitt$ by law2 &  7ii7 9    
accordance ) ! proc$ures describ$ 9     
p>agraph 7#c74  7#b7 ,det]m9ation (     
floodpla9s ,! head ( an ag5cy %all1 :5  
det]m9+ :e!r an ag5cy action w take     
place 9 a floodpla9--  7,a7 use-- 7i7 ! 
elevation & flood haz>d area1 z det]m9$ 
by--  7,i7 a climate-in=m$ sci5ce       
approa* t-- 7aa7 uses ! be/ available   
actionable hydrologic & hydraulic data &
 me?ods2  7bb7 integrates curr5t &      
future *anges 9 flood+ bas$ on climate  
sci5ce2 &  7cc7 includes an emphasis on 
:e!r ! ag5cy action is a critical       
action2  7,,ii7 ! freebo>d value1 rea*$ 

by add+ an additional-- 7aa7 #b feet to 
! base flood elevation = an ag5cy action
 t is n a critical action2 &  7bb7 #c   
feet to ! base flood elevation = an     
ag5cy action t is a critical action2 or 
7,,iii7 any o!r me?od t is id5tifi$ 9   
any am5dm5t made to ?is ,act2 or  7ii7  
an area t has a #j4b p]c5t *ance (      
flood+ 9 a ye>2 &  7,b7 rely on--  7i7 !
 be/ available in=mation2 &  7ii7 !     
,flood ,insurance ,rate ,map publi%$ by 
! ,adm9i/rator = ! community 9 :i* !    
ag5cy action %all take place4  7#c7     
,proc$ures ,! proc$ures describ$ 9 ?is  
p>agraph are z foll[s3 7,a7 ,be=e an    
ag5cy takes an ag5cy action1 ! head ( ! 
ag5cy %all det]m9e "u p>agraph 7#b7 :e!r
 ! propos$ ag5cy action w take place 9 a
 floodpla94  7,b7 ,if an ag5cy action   
describ$ 9 subp>agraph 7,a7 may h a     
significant effect on ! quality ( !     
human environm5t1 ! evaluation requir$  
"u p>agraph 7#e7 %all be includ$ 9 any  
/atem5t prep>$ "u section #ajb7b77;,c7 (
 ! ,national ,environm5tal ,policy ,act 

7#db ,u4,s4,c4 #dccb7b77;,c774  7,c7 ,if
 ! head ( an ag5cy has det]m9$ to1 or   
proposes to1 conduct1 support1 or all[  
an ag5cy action t w take place 9 a      
floodpla91 z det]m9$ "u p>agraph 7#b71 !
 head ( ! ag5cy %all--  7i7 consid]     
alt]natives 9 ord] to avoid adv]se      
effects & incompatible developm5t 9 !   
floodpla92  7ii7 :5 possible1 rely on   
natural sy/ems1 ecosy/em processes1 &   
nature-bas$ approa*es :5 consid]+       
alt]natives "u clause 7i72  7iii7 if !  
head ( ! ag5cy det]m9es t ! only        
practicable alt]native consi/5t "u law1 
includ+ ! requirem5ts ( ?is ,act1       
requires tak+ an ag5cy action 9 a       
floodpla91 be=e tak+ ! ag5cy action--   
7,i7 design or modify ! ag5cy action to 
m9imize pot5tial h>m to or )9 !         
floodpla9 consi/5t ) regulations issu$  
"u p>agraph 7#f72 &  7,,ii7 prep>e &    
di/ribute a notice t conta9s an         
explanation ) respect to :y ! ag5cy     
action %all take place 9 ! floodpla92   
7iv7 ) respect to an ag5cy action relat+

 to a program t is subject to ,circul>  
,a-#ie ( ! ,(fice ( ,managem5t &        
,budget1 s5d a notice to ! ,/ate &      
area-wide cle>+h\ses = ! geographic     
areas t are affect$ by ! ag5cy action   
t--  7,i7 is n m ?an #c pages long2     
7,,ii7 includes--  7aa7 a location map2 
7bb7 ! reasons :y ! ag5cy action %all   
occur 9 a floodpla92  7cc7 a /atem5t    
indicat+ :e!r ! ag5cy action con=ms to  
applicable ,/ate or local floodpla9     
protection /&>ds2 &  7dd7 a li/ ( !     
alt]natives to ! ag5cy action t ! head (
 ! ag5cy consid]$2 &  7,,iii7 all[s = a 
brief comm5t p]iod be=e ! head ( ! ag5cy
 may take ! ag5cy action2 &  7v7 provide
 ! opportunity = e>ly public review (   
any plan or proposal = ! ag5cy action1  
includ+ ! developm5t ( proc$ures = any  
,f$]al action ! impact ( :i* is n       
significant en\gh to require !          
prep>ation ( a /atem5t "u section       
#ajb7b77;,c7 ( ! ,national ,environm5tal
 ,policy ,act 7#db ,u4,s4,c4            
#dccb7b77;,c774  7#d7 ,reque/s =        

au?orizations & appropriations ,! head (
 an ag5cy1 :5 mak+ any reque/ to !      
,director ( ! ,(fice ( ,managem5t &     
,budget = a new au?orization or =       
appropriations1 %all indicate1 if an    
ag5cy action to be propos$ %all take    
place 9 a floodpla91 z det]m9$ "u       
p>agraph 7#b71 :e!r ! ag5cy action      
complies ) ?is ,act4  7#e7 ,wat] & l&   
use plans  7,a7 ,9 g5]al ,! head ( an   
ag5cy1 :5 =mulat+ or evaluat+ any wat] &
 l& use plan1 %all-- 7i7 take floodpla9 
managem5t into acc\nt2 &  7ii7 require !
 use ( l& & wat] res\rces t are         
appropriate :5 comp>$ ) ! degree ( haz>d
 t is involv$4  7,b7 ,consid]ations ,!  
head ( ea* ag5cy %all-- 7i7 provide = ! 
adequate evaluation & consid]ation (    
flood haz>ds ) respect to ! regulations 
& op]at+ proc$ures = ! lic5ses1 p]mits1 
& loan or grant programs adm9i/]$ by !  
ag5cy2 &  7ii7 ) respect to an applicant
 = a lic5se1 p]mit1 loan1 or grant t is 
issu$ or adm9i/]$ by ! ag5cy1 enc\rage1 
& provide appropriate guidance to1 !    

applicant to evaluate1 be=e submitt+ !  
application1 ! effects t ! application1 
if grant$1 w\ld h on floodpla9s4  7#f7  
,regulations & proc$ures ,to ! ext5t    
p]mitt$ by law1 ! head ( ea* ag5cy %all1
 9 consultation ) ! ,wat] ,res\rces     
,c\ncil1 ! ,f$]al ,int]ag5cy ,floodpla9 
,managem5t ,task ,=ce1 ! ,adm9i/rator1 &
 ! ,c\ncil on ,environm5tal ,quality--  
7,a7 issue regulations1 or am5d         
regulations t are 9 effect z ( ! date ( 
enactm5t ( ?is ,act1 to comply ) !      
requirem5ts ( ?is ,act2 &  7,b7 am5d !  
regulations describ$ 9 subp>agraph 7,a7 
z w>rant$4  7c7 ,annual reassessm5t ,!  
,mitigation ,framework ,lead]%ip ,gr\p1 
9 consultation ) ! ,f$]al ,int]ag5cy    
,floodpla9 ,managem5t ,task ,=ce1 %all--
  7#a7 annually reassess ! implem5tation
 ( ! requirem5ts impos$ "u ?is section2 
&  7#b7 provide recomm5dations to !     
,wat] ,res\rces ,c\ncil = updates to !  
requirem5ts impos$ "u ?is section t are 
w>rant$ bas$ on accurate & actionable   
sci5ce t takes into acc\nt *anges to    

climate & o!r *anges 9 flood risk4  #e4 
,f$]al ,flood ,risk ,managem5t ,/&>d    
7a7 ,9 g5]al ,! head ( an ag5cy %all--  
7#a7 except z provid$ 9 subsection 7b71 
) respect to a f$]ally fund$ project    
und]tak5 by ! ag5cy1 ensure t ! ag5cy   
complies ) ! ,/&>d2 &  7#b7 if ! ag5cy  
has responsibility = ! adm9i/ration or  
managem5t ( ,f$]al real prop]ty &       
facilities1 9 addition to ! requirem5ts 
"u section #d & p>agraph 7#a7--  7,a7   
require ! con/ruction ( ,f$]al /ructures
 & facilities to comply )-- 7i7 !       
regulations & proc$ures issu$ "u section
 #d7;b77#f72 &  7ii7 any regulations    
issu$ "u ! ,national ,flood ,insurance  
,program unless ^? regulations are      
demon/rably inappropriate = a /ructure  
or facility2  7,b7 apply accept$        
floodpro(+ & o!r flood protection       
measures to ! con/ruction or            
rehabilitation ( a /ructure or facility 
t is locat$ 9 a floodpla92  7,c7 :5     
practicable1 elevate a /ructure above ! 
floodpla9 in/ead ( fill+ 9 l&2  7,d7    

provide on /ructures &1 :]e appropriate1
 o!r pieces ( prop]ty a conspicu\s      
del9eation ( pa/ & probable flood       
height--  7i7 if ! /ructure or o!r      
prop]ty-- 7,i7 is us$ by ! g5]al public2
 &  7,,ii7 7aa7 has suff]$ flood damage2
 or  7bb7 is 9 an id5tifi$ flood haz>d  
area2 &  7ii7 9 ord] to enhance public  
aw>5ess (1 & k ab\t1 flood haz>ds2 &    
7,e7 :5 ,f$]al prop]ty 9 a floodpla9 is 
propos$ = lease1 easem5t1 "r-(-way1 or  
disposal to a non-,f$]al public or      
private p>ty--  7i7 ref]5ce 9 !         
conveyance ^? uses t are re/rict$ "u    
,f$]al1 ,/ate1 or local regulations     
relat+ to floodpla9s2 &  7ii7 7,i7      
except :]e prohibit$ by law1 atta* any  
o!r appropriate re/rictions to ! uses ( 
! prop]ty by ! grantee or pur*as]1 z    
applicable1 & any successors2 or  7,,ii7
 )hold ! prop]ty f conveyance4  7b7     
,exemption ,! head ( an ag5cy may exempt
 a f$]ally fund$ project f ! requirem5t 
"u subsection 7a77#a7 if--  7#a7 !      
exemption is 9 ! int]e/ ( national      

security2  7#b7 ! und]tak+ ( ! f$]ally  
fund$ project is--  7,a7 because ( an   
em]g5cy2 or  7,b7 a mission-critical    
requirem5t relat+ to a national security
 int]e/ or an em]g5cy2 or  7#c7 apply+ !
 ,/&>d to a f$]ally fund$ project is    
demon/rably inappropriate4  7c7 ,updates
 ,n less frequ5tly ?an once e #e ye>s1 !
 ,wat] ,res\rces ,c\ncil %all update !  
,/&>d1 z det]m9$ appropriate by ! ,wat] 
,res\rces ,c\ncil4  #f4 ,f9ancial       
transactions 9 areas subject to flood+  
,9 addition to any responsibilities "u  
?is ,act & sections #ajb1 #bjb1 & #bje (
 ! ,flood ,disa/] ,protection ,act (    
#aigc 7#db ,u4,s4,c4 #djab;a1 #dajf1 &  
#dabh71 ! head ( any ag5cy t gu>antees1 
approves1 regulates1 or insures any     
f9ancial transaction relat+ to an area t
 is subject to a base flood %all1 be=e  
complet+ any action relat+ to t         
transaction1 in=m any private p>ties t  
are p>ticipat+ 9 ! transaction ab\t !   
haz>ds ( locat+ a /ructure 9 t area4    
#g4 ,reports  7a7 ,9 g5]al ,n lat] ?an  

#a ye> aft] ! date ( enactm5t ( ?is     
,act1 ! head ( ea* ag5cy %all submit to 
! ,c\ncil on ,environm5tal ,quality a   
report reg>d+ h[ ! requirem5ts ( ?is    
,act impact ! proc$ures & op]ations ( ! 
ag5cy4  7b7 ,analysis ( ,/&>d ,ea*      
report submitt$ "u subsection 7a7 %all  
conta9 a sep>ate analysis reg>d+ h[ !   
requirem5t "u section #e7;a77#a7 has    
impact$ ag5cies4  7c7 ,evaluation ,n    
less frequ5tly ?an once e #b ye>s1 !    
,wat] ,res\rces ,c\ncil %all-- 7#a7     
evaluate ! proc$ures1 includ+ !         
effectiv5ess ( ! proc$ures1 ( ea* ag5cy 
relat+ to ! requirem5ts ( ?is ,act1 tak+
 into acc\nt ea* report submitt$ "u     
subsection 7a72 &  7#b7 submit to !     
appropriate committees ( ,congress a    
report t conta9s ! result ( ! evaluation
 requir$ "u p>agraph 7#a74  #h4 ,g5]al  
provisions  7a7 ,rules ( con/ruction    
,no?+ 9 ?is ,act may be con/ru$-- 7#a7 z
 apply+ to assi/ance t is provid$ =     
em]g5cy "w t is--  7,a7 p]=m$ "u        
sections #djc & #ejb ( ! ,rob]t ,t4     

,/af=d ,disa/] ,relief & ,em]g5cy       
,assi/ance ,act 7#db ,u4,s4,c4 #eagj;b &
 #eaib72 &  7,b7 ess5tial to-- 7i7 save 
human life2 &  7ii7 protect-- 7,i7      
prop]ty2 &  7,,ii7 public heal? &       
safety2 or  7#b7 to impair or o!rwise   
affect--  7,a7 ! au?ority grant$ by law 
to an ag5cy or ! head ( an ag5cy2 or    
7,b7 ! functions ( ! ,director ( !      
,(fice ( ,managem5t & ,budget relat+ to 
budget>y1 adm9i/rative1 or legislative  
proposals4  7b7 ,implem5tation ,?is ,act
 %all be implem5t$ consi/5t ) applicable
 law & subject to ! availability (      
appropriations4  7c7 ,responsibilities (
 ,wat] ,res\rces ,c\ncil ,except z      
o!rwise expressly provid$1 ! ,wat]      
,res\rces ,c\ncil %all c>ry out !       
responsibilities ( ! ,c\ncil "u ?is ,act
 9 consultation ) ! ,mitigation         
,framework ,lead]%ip ,gr\p4  #i4        
,assumption ( responsibilities ,if      
subp>agraphs 7,a71 7,b71 & 7,c7 (       
section #d7;b77#c7 apply to a project to
 :i* section #ajd7;h7 ( ! ,h\s+ &       

,community ,developm5t ,act ( #aigd 7#db
 ,u4,s4,c4 #ecjd7;h77 applies1 an       
appropriate applicant may assume !      
responsibilities "u ^? subp>agraphs if !
 applicant has also assum$1 ) respect to
 ! project1 all responsibilities =      
environm5tal review1 decisionmak+1 &    
action "u ! ,national ,environm5tal     
,policy ,act ( #aifi 7#db ,u4,s4,c4     
#dcba et seq474