,,ib ,union ,cal5d> ,no4 #baj #aaf? ,,congress #a/ ,session ,h4 ,r4 #cafg ,report ,no4 #aaf-bfb1 ,"p ,i ,,9 ,,! ,,h\se ,,( ,,repres5tatives ,june #aj1 #bjai ,ms4 ,wat]s introduc$ ! foll[+ bill2 :i* 0 ref]r$ to ! ,committee on ,f9ancial ,s]vices1 & 9 addition to ! ,committee on ,transportation & ,infra/ructure1 = a p]iod to be subsequ5tly det]m9$ by ! ,speak]1 9 ea* case = consid]ation ( su* provisions z fall )9 ! jurisdiction ( ! committee conc]n$ ,octob] #bh1 #bjai ,report$ f ! ,committee on ,f9ancial ,s]vices ) an am5dm5t ,/rike out all aft] ! enact+ clause & ins]t ! "p pr9t$ 9 italic ,octob] #bh1 #bjai;,committee on ,transportation & ,infra/ructure dis*>g$2 committ$ to ! ,committee ( ! ,:ole ,h\se on ! ,/ate ( ! ,union & ord]$ to be printed,for text ( introduc$ bill1 see copy ( bill z introduc$ on ,june #aj1 #bjai ,a ,,bill ,to re=m & reau?orize ! ,national ,flood ,insurance ,program1 & = o!r purposes4 #a4 ,%ort title2 table ( cont5ts 7a7 ,%ort title ,?is ,act may be cit$ z ! ,national ,flood ,insurance ,program ,reau?orization ,act ( #bjai4 7b7 ,table ( cont5ts ,! table ( cont5ts = ?is ,act is z foll[s3 ,sec4 #a4 ,%ort title2 table ( cont5ts4 ,sec4 #b4 ,congressional f9d+s4 ,title ,i--,reau?orization & af=dability ,sec4 #aja4 ,program ext5sion4 ,sec4 #ajb4 ,demon/ration program = policy af=dability4 ,sec4 #ajc4 ,premium & fees relief = families & small bus9esses4 ,sec4 #ajd4 ,mon?ly in/allm5t paym5t ( premiums4 ,sec4 #aje4 ,/ate revolv+ loan funds = l[-int]e/ loans4 ,sec4 #ajf4 ,use ( replacem5t co/ value 9 e/imat+ premium rates4 ,sec4 #ajg4 ,refund ( premiums ^u cancellation ( policy because ( replacem5t ) private flood insurance4 ,title ,,ii--,mapp+ ,sec4 #bja4 ,reau?orization ( appropriations = ,national ,flood ,mapp+ ,program4 ,sec4 #bjb4 ,national ,flood ,mapp+ ,program4 ,sec4 #bjc4 ,flood mapp+ mod]nization & home[n] emp[]m5t pilot program4 ,sec4 #bjd4 ,mapp+ improvem5ts & rea*4 ,sec4 #bje4 ,appeals reg>d+ exi/+ flood maps4 ,sec4 #bjf4 ,appeals & publication ( project$ special flood haz>d areas4 ,sec4 #bjg4 ,communication & outrea* reg>d+ map *anges4 ,sec4 #bjh4 ,adoption ( p>tial flood maps4 ,sec4 #bji4 ,new zone = levee-impact$ areas4 ,sec4 #baj4 ,agricultural /ructures 9 special flood haz>d zones4 ,sec4 #baa4 ,te*nical ,mapp+ ,advisory ,c\ncil4 ,title ,,iii--,mitigation ,sec4 #cja4 ,increas$ co/ ( compliance cov]age4 ,sec4 #cjb4 ,multiple-loss prop]ties4 ,sec4 #cjc4 ,premium rates = c]ta9 mitigat$ prop]ties4 ,sec4 #cjd4 ,cov]age = coop]atives4 ,sec4 #cje4 ,volunt>y community-bas$ flood insurance pilot program4 ,sec4 #cjf4 ,mitigation fund+4 ,sec4 #cjg4 ,community ,rat+ ,sy/em improvem5ts4 ,sec4 #cjh4 ,community assi/ance program = effective floodpla9 managem5t4 ,title ,,iv--,mod]nization ,sec4 #dja4 ,effect ( private flood insurance cov]age on cont9u\s cov]age requirem5ts4 ,sec4 #djb4 ,optional cov]age = umbrella policies4 ,sec4 #djc4 ,annual indep5d5t actu>ial /udy4 ,sec4 #djd4 ,%>+ ( & access to in=mation4 ,sec4 #dje4 ,elevation c]tificates4 ,sec4 #djf4 ,lev]ag+ risk transf] opportunities = a s\nd f9ancial framework4 ,sec4 #djg4 ,write-,y\r-,own arrangem5ts4 ,sec4 #djh4 ,/udy on increas+ p>ticipation4 #b4 ,congressional f9d+s ,! ,congress f9ds t-- 7#a7 s9ce #bjaf1 communities & families across ! ,unit$ ,/ates h suff]$ ov] #cjj billion 9 losses z a result ( flood+2 7#b7 flood+ disa/]s 9 ! ,unit$ ,/ates pres5t a ?reat to p1 prop]ty1 & taxpay]s2 7#c7 ! ,national ,flood ,insurance ,program 7,,nfip7 is a key compon5t ( ! ,f$]al ,gov]nm5t's ef=ts to m9imize ! damage & f9ancial impact ( floods2 7#d7 ! ,,nfip is ! pr9cipal provid] ( flood insurance 9 ! ,unit$ ,/ates1 cov]+ ov] #e million h\seholds & bus9esses across ! c\ntry2 7#e7 af=dability ( flood insurance cov]age rema9s a s]i\s conc]n2 7#f7 inve/m5t 9 mitigation is a co/-effective means ( r$uc+ risk2 7#g7 a policyhold]'s ability to pay = flood insurance cov]age %\ld be consid]$ = premium rate disc\nts2 & 7#h7 9 ! abs5ce ( widespread private insurance indu/ry p>ticipation1 & z a matt] ( national policy1 ! ,f$]al ,gov]nm5t mu/ ensure ! availability & af=dability ( flood insurance4 ,i ,reau?orization & af=dability #aja4 ,program ext5sion 7a7 ,f9anc+ ,subsection 7a7 ( section #acji ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #djaf7;a77 is am5d$ by /rik+ ,septemb] #cj1 #bjai & ins]t+ ,septemb] #cj1 #bjbd4 7b7 ,program expiration ,section #acai ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #djbf7 is am5d$ by /rik+ ,septemb] #cj1 #bjai & ins]t+ ,septemb] #cj1 #bjbd4 7c7 ,retroactive effective date ,if ?is ,act is enact$ aft] ,septemb] #cj1 #bjai1 ! am5dm5ts made by subsections 7a7 & 7b7 %all take effect z if enact$ on ,septemb] #cj1 #bjai4 #ajb4 ,demon/ration program = policy af=dability 7a7 ,au?ority 7#a7 ,9 g5]al ,! ,adm9i/rator ( ! ,f$]al ,em]g5cy ,managem5t ,ag5cy %all e/abli% & c>ry out a demon/ration program "u ?is section to demon/rate ! effectiv5ess ( provid+ means-te/$ disc\nt$ rates = flood insurance cov]age made available "u ! ,national ,flood ,insurance ,act ( #aifh = eligible h\seholds4 7#b7 ,consultation ,! ,adm9i/rator may consult ) ! ,secret>y ( ! ,treasury & ! ,secret>y ( ,h\s+ & ,urban ,developm5t ab\t ! implem5tation ( ! program e/abli%$ pursuant to p>agraph 7#a74 7b7 ,eligible h\seholds & prop]ties ,! ,adm9i/rator may provide disc\nt$ premium rates pursuant to ?is section only = prop]ties t are-- 7#a7 #a- to #d-;family resid5tial prop]ties2 & 7#b7 ! prim>y resid5ce ( a h\sehold ^: income does n exce$ #hj p]c5t ( ! area m$ian income1 z det]m9$ by ! ,adm9i/rator 9 consultation ) ! ,secret>y ( ,h\s+ & ,urban ,developm5t4 7c7 ,income det]m9ations ,= purposes ( ! program "u ?is section1 ! ,adm9i/rator %all make det]m9ations ( h\sehold income on an annual basis4 7d7 ,premium disc\nts ,not)/&+ any provision ( ! ,national ,flood ,insurance ,act ( #aifh1 ! *>geable premium rate = flood insurance cov]age made available "u ! program "u ?is section %all be an am\nt t does n exce$ #b p]c5t ( annual area m$ian income = ! area )9 :i* is locat$ ! prop]ty = :i* ! cov]age is provid$4 7e7 ,disclosure ( full-risk rate ,! ,adm9i/rator %all provide to ea* policyhold] pur*as+ flood insurance cov]age "u ! program "u ?is section = a prop]ty1 n lat] ?an ! comm5cem5t ( ! p]iod ( su* cov]age1 a writt5 /atem5t sett+ =? ! full actu>ial premium rate = cov]age = su* prop]ty det]m9$ 9 accordance ) section #acjg7;a77#a7 ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #djad7;a77#a771 ! am\nt ( ! premium disc\nt = su* cov]age1 & any o!r in=mation ! ,adm9i/rator consid]s helpful to policyhold]s 9 und]/&+ flood insurance cov]age & co/s4 7f7 ,guidance ,n lat] ?an ! expiration ( ! #ab-mon? p]iod beg9n+ on ! date ( ! enactm5t ( ?is ,act1 ! ,adm9i/rator %all issue guidance provid+ = ! e/abli%m5t ( ! demon/ration program "u ?is section1 :i* %all include-- 7#a7 an e/imation ( ! co/ ( ! program /at$ 9 t]ms ( ! aggregate ( premium disc\nts to be made available "u ! program2 7#b7 a description ( h[ ! ,adm9i/rator w det]m9e eligibility = h\seholds to p>ticipate 9 ! program 9 accordance ) ! requirem5ts = eligibility 9 subsection 7b72 & 7#c7 any new requirem5ts to :i* policyhold]s p>ticipat+ 9 ! program w be subject2 & 7#d7 ! results ( any consultation ) ! ,secret>y ( ! ,treasury or ! ,secret>y ( ,h\s+ & ,urban ,developm5t4 7g7 ,report to ,congress 7#a7 ,collection ( in=mation ,! ,adm9i/rator %all collect by survey or o!r means1 = ea* p>ticipat+ community 9 ! national flood insurance program & reg>d+ ea* ye> dur+ ! p]iod beg9n+ #e ye>s be=e implem5tation ( ! demon/ration program "u ?is section & end+ ^u ! t]m9ation date "u subsection 7j71 ! foll[+ in=mation3 7,a7 ,! demographic *>act]i/ics ( h\seholds pur*as+ flood insurance cov]age "u su* program4 7,b7 ,! av]age m$ian income ( su* h\seholds4 7,c7 ,! numb] ( prop]ties locat$ 9 areas = :i* a major disa/] relat$ to flood+ 0 decl>$ pursuant to ! ,rob]t ,t4 ,/af=d ,disa/] ,relief & ,em]g5cy ,assi/ance ,act4 7,d7 ,! numb] ( policies made available "u ! national flood insurance program & ! numb] & aggregate am\nt ( claims submitt$ "u su* program4 7,e7 ,= all prop]ties 9 su* community receiv+ disc\nt$ cov]age "u ! demon/ration program "u ?is section1 ! aggregate am\nt ( ! full actu>ial premium rate = cov]age t is det]m9$ 9 accordance ) section #acjg7;a77#a7 ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #djad7;a77#a77 & ! aggregate am\nt ( premium disc\nts provid$ "u ! demon/ration program4 7,f7 ,= all prop]ties 9 su* community1 any *anges to su* full actu>ial premium rates due to mapp+ *anges or o!r factors4 7#b7 ,report to ,congress ,n lat] ?an ! expiration ( ! #e-ye> p]iod beg9n+ ^u ! implem5tation ( ! demon/ration program "u ?is section1 ! ,adm9i/rator %all submit to ! ,congress a report evaluat+ ! effectiv5ess ( ! assi/ance provid$ "u ! program1 :i* %all include-- 7,a7 a /atem5t ( ! numb] ( h\seholds p>ticipat+ 9 ! program & ! rates ( p>ticipation by communities p>ticipat+ 9 ! national flood insurance program1 includ+ :e!r su* rates ( p>ticipation h *ang$ by ye>2 & 7,b7 an e/imate ( ! co/ ( ! program to ! ,national ,flood ,insurance ,fund "u section #acaj ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #djag74 7h7 ,def9itions ,= purposes ( ?is section1 ! foll[+ def9itions %all apply3 7#a7 ,adm9i/rator ,! t]m ,adm9i/rator means ! ,adm9i/rator ( ! ,f$]al ,em]g5cy ,managem5t ,ag5cy4 7#b7 ,premium disc\nt ,! t]m premium disc\nt means1 ) respect to a policy = flood insurance cov]age "u ! national flood insurance program made available "u ! program "u ?is section1 ! am\nt by :i* ! full actu>ial premium rate = cov]age = su* prop]ty t is det]m9$ 9 accordance ) section #acjg7;a77#a7 ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #djad7;a77#a77 exce$s ! *>geable premium rate = ! cov]age made available "u ! program "u ?is section4 7i7 ,t]m9ation ,! au?ority "u ?is section to provide disc\nt$ premium rates = flood insurance cov]age %all t]m9ate on ,may #ca1 #bjbd4 #ajc4 ,premium & fees relief = families & small bus9esses 7a7 ,repeal ( sur*>ge 7#a7 ,repeal ,section #acjh;,a ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #djae;a7 is h]eby repeal$4 7#b7 ,con=m+ am5dm5ts ,! ,national ,flood ,insurance ,act ( #aifh is am5d$-- 7,a7 9 section #acjh7m7 7#db ,u4,s4,c4 #djae7m77-- 7i7 9 p>agraph 7#a71 by /rik+ & ! sur*>ges requir$ "u section #acjh;,a2 & 7ii7 9 p>agraph 7#b71 by /rik+ or sur*>ges2 & 7,b7 9 section #acaj;,a7c7 7#db ,u4,s4,c4 #djag;a7c771 by /rik+ p>agraph 7#d74 7b7 ,small loan exception to m&atory pur*ase requirem5t ,subp>agraph 7,a7 ( section #ajb7;c77#b7 ( ! ,flood ,disa/] ,protection ,act ( #aigc 7#db ,u4,s4,c4 #djab;a7c77#b77;,a77 is am5d$ by /rik+ #e1jjj & ins]t+ #be1jjj4 #ajd4 ,mon?ly in/allm5t paym5t ( premiums 7a7 ,au?ority ,subsection 7g7 ( section #acjh ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #djae7;g77 is am5d$-- 7#a7 by /rik+ ! subsection designation & all t foll[s ?r\gh ,) respect & ins]t+ ! foll[+3 7g7 ,frequ5cy ( premium collection 7#a7 ,options ,) respect 2 & 7#b7 by add+ at ! end ! foll[+3 7#b7 ,mon?ly in/allm5t paym5t ( premiums 7,a7 ,exemption f rulemak+ ,until su* "t z ! ,adm9i/rator promulgates regulations implem5t+ p>agraph 7#a7 ( ?is subsection1 ! ,adm9i/rator may adopt policies & proc$ures1 not)/&+ any o!r provisions ( law & 9 alignm5t & consi/5t ) exi/+ indu/ry escr[ & s]vic+ /&>ds1 necess>y to implem5t su* p>agraph )\t und]go+ notice & comm5t rulemak+ & )\t conduct+ regulatory analyses o!rwise requir$ by /atute1 regulation1 or ,executive ord]4 7,b7 ,pilot program ,! ,adm9i/rator may initially implem5t p>agraph 7#a7 ( ?is subsection z a pilot program t provides = a gradual phase-9 ( implem5tation4 7,c7 ,policyhold] protection ,! ,adm9i/rator may-- 7i7 dur+ ! #ab-mon? p]iod beg9n+ on ! date ( ! enactm5t ( ?is subp>agraph1 *>ge policyhold]s *oos+ to pay premiums 9 mon?ly in/allm5ts a fee = ! total co/ ( ! mon?ly collection ( premiums n to exce$ #be annually2 & 7ii7 aft] ! expiration ( ! #ab-mon? p]iod ref]r$ to 9 clause 7i71 adju/ ! fee *>g$ annually to cov] ! total co/ ( ! mon?ly collection ( premiums z det]m9$ by ! report submitt$ pursuant to subp>agraph 7,d74 7,d7 ,annual ,reports ,on an annual basis1 ! ,adm9i/rator %all report to ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives & ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate ! ongo+ co/s associat$ ) ! mon?ly paym5t ( premiums4 4 7b7 ,implem5tation ,clause 7ii7 ( section #acjg7;a77#a77;,b7 ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #djad7;a77#a77;,b77ii77 is am5d$ by ins]t+ be=e any adm9i/rative exp5ses ! foll[+3 ! co/s associat$ ) ! mon?ly collection ( premiums provid$ = 9 section #acjh7;g7 7#db ,u4,s4,c4 #djae7;g771 b only if su* co/s exce$ ! op]at+ co/s & all[ances set =? 9 clause 7i7 ( ?is subp>agraph1 &4 #aje4 ,/ate revolv+ loan funds = l[-int]e/ loans ,*apt] ,i ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #djaa et seq47 is am5d$ by add+ at ! end ! foll[+ new section3 #acbf4 ,/ate revolv+ loan funds = l[-int]e/ loans 7a7 ,def9itions ,9 ?is section-- 7#a7 ! t]m ,community ,rat+ ,sy/em means ! community rat+ sy/em c>ri$ out "u section #acae7;b72 7#b7 ! t]m eligible ,/ate means a ,/ate1 ! ,di/rict ( ,columbia1 & ! ,commonweal? ( ,pu]to ,rico2 7#c7 ! t]m insul> area means-- 7,a7 ,guam2 7,b7 ,am]ican ,samoa2 7,c7 ! ,commonweal? ( ! ,nor!rn ,m>iana ,isl&s2 7,d7 ! ,f$]at$ ,/ates ( ,micronesia2 7,e7 ! ,republic ( ! ,m>%all ,isl&s2 7,f7 ! ,republic ( ,palau2 & 7,g7 ! ,unit$ ,/ates ,virg9 ,isl&s2 7#d7 ! t]m int5d$ use plan means a plan prep>$ "u subsection 7d77#a72 7#e7 ! t]m l[-income geographic area means an area describ$ 9 p>agraph 7#a7 or 7#b7 ( section #cja7;a7 ( ! ,public ,works & ,economic ,developm5t ,act ( #aife 7#db ,u4,s4,c4 #cafa7;a772 7#f7 ! t]m l[-income home[n] means ! own] ( a prim>y resid5ce1 ! h\sehold income ( :i* 9 a taxable ye> is n m ?an #hj p]c5t ( ! m$ian income = ! area 9 :i* ! resid5ce is locat$2 7#g7 ! t]m p>ticipat+ ,/ate means an eligible ,/ate t-- 7,a7 has ent]$ into an agreem5t "u subsection 7b77#a72 & 7,b7 agrees to comply ) ! requirem5ts ( ?is section2 7#h7 ! t]m pre-,,firm build+ means a build+ = :i* con/ruction or sub/antial improvem5t occurr$ be=e ! effective date ( ! initial ,flood ,insurance ,rate ,map publi%$ by ! ,adm9i/rator "u section #acfj = ! area 9 :i* ! build+ is locat$2 7#i7 ! t]m repetitive-loss prop]ty has ! mean+ giv5 ! t]m 9 section #acgj7;a72 7#aj7 ! t]m sev]e repetitive-loss prop]ty has ! mean+ giv5 ! t]m 9 section #acgj7;a72 7#aa7 ! t]m ,/ate loan fund means a flood mitigation assi/ance revolv+ loan fund e/abli%$ by an eligible ,/ate "u ?is section2 & 7#ab7 ! t]m tribal gov]nm5t means ! recogniz$ gov]nm5t ( an ,indian tribe1 or ! gov]n+ body ( an ,alaska ,native regional or village corporation1 t has be5 det]m9$ eligible to receive s]vices f ! ,bureau ( ,indian ,affairs4 7b7 ,g5]al au?ority 7#a7 ,9 g5]al ,! ,adm9i/rator may ent] into an agreem5t ) an eligible ,/ate to provide a capitalization grant = ! eligible ,/ate to e/abli% a revolv+ fund t w provide fund+ assi/ance to help home[n]s1 bus9esses1 nonpr(it organizations1 & communities r$uce flood risk 9 ord] to decrease-- 7,a7 ! loss ( life & prop]ty2 7,b7 ! co/ ( flood insurance2 & 7,c7 ,f$]al disa/] paym5ts4 7#b7 ,tim+ ( deposit & agreem5ts = di/ribution ( funds 7,a7 ,9 g5]al ,n lat] ?an ! la/ day ( ! fiscal ye> foll[+ ! fiscal ye> 9 :i* a capitalization grant is made to a p>ticipat+ ,/ate "u p>agraph 7#a71 ! p>ticipat+ ,/ate %all-- 7i7 deposit ! grant 9 ! ,/ate loan fund ( ! ,/ate2 & 7ii7 ent] into "o or m b9d+ agreem5ts t provide = ! ,/ate to di/ribute ! grant funds = purposes au?oriz$ "u subsection 7c7 su* t-- 7,i7 9 ! case ( ! initial grant made "u ?is section to a ,/ate1 n less ?an #ge p]c5t ( ! am\nt ( ! grant funds %all be di/ribut$ be=e ! expiration ( ! #bd-mon? p]iod beg9n+ ^u deposit ( su* funds 9 ! ,/ate loan fund ( ! ,/ate2 & 7,,ii7 9 ! case ( any subsequ5t grant made "u ?is section to a ,/ate1 n less ?an #ij p]c5t ( ! am\nt ( ! grant funds made "u ! capitalization grant %all be di/ribut$ be=e ! expiration ( ! #ab-mon? p]iod beg9n+ ^u deposit ( su* funds 9 ! ,/ate loan fund ( ! ,/ate4 7,b7 ,noncompliance ,except z provid$ 9 subp>agraph 7,c71 if a p>ticipat+ ,/ate does n comply ) subp>agraph 7,a7 ) respect to a grant1 ! ,adm9i/rator %all reallocate ! grant 9 accordance ) p>agraph 7#c77;,b74 7,c7 ,exception ,! ,adm9i/rator may n reallocate any funds "u subp>agraph 7,b7 to a p>ticipat+ ,/ate t violat$ subp>agraph 7,a7 ) respect to a grant made dur+ ! same fiscal ye> 9 :i* ! funds to be reallocat$ 7 orig9ally made available4 7#c7 ,allocation 7,a7 ,9 g5]al ,! ,adm9i/rator %all allocate am\nts made available to c>ry out ?is section to p>ticipat+ ,/ates-- 7i7 = ! p>ticipat+ ,/ates to deposit 9 ! ,/ate loan funds e/abli%$ by ! p>ticipat+ ,/ates2 & 7ii7 except z provid$ 9 p>agraph 7#f71 9 accordance ) ! requirem5ts describ$ 9 subp>agraph 7,b74 7,b7 ,requirem5ts ,! requirem5ts describ$ 9 ?is subp>agraph are z foll[s3 7i7 ,fifty p]c5t ( ! total am\nt made available "u subp>agraph 7,a7 %all be allocat$ s t ea* p>ticipat+ ,/ate receives ! p]c5tage am\nt t is obta9$ by divid+ ! numb] ( prop]ties t 7 insur$ "u ! national flood insurance program 9 t ,/ate 9 ! fiscal ye> prec$+ ! fiscal ye> 9 :i* ! am\nt is allocat$ by ! total numb] ( prop]ties t 7 insur$ "u ! national flood insurance program 9 ! fiscal ye> prec$+ ! fiscal ye> 9 :i* ! am\nt is allocat$4 7ii7 ,fifty p]c5t ( ! total am\nt made available "u subp>agraph 7,a7 %all be allocat$ s t ea* p>ticipat+ ,/ate receives a p]c5tage ( funds t is equal to ! product obta9$ "u clause 7iii77,,iv7 ) respect to t p>ticipat+ ,/ate aft] foll[+ ! proc$ures describ$ 9 clause 7iii74 7iii7 ,! proc$ures describ$ 9 ?is clause are z foll[s3 7,i7 ,divide ! total am\nt collect$ 9 premiums = prop]ties insur$ "u ! national flood insurance program 9 ea* p>ticipat+ ,/ate dur+ ! previ\s fiscal ye> by ! numb] ( prop]ties insur$ "u ! national flood insurance program 9 t ,/ate = t fiscal ye>4 7,,ii7 ,add toge!r ea* quoti5t obta9$ "u subclause 7,i74 7,,iii7 ,= ea* p>ticipat+ ,/ate1 divide ! quoti5t obta9$ "u subclause 7,i7 ) respect to t ,/ate by ! sum obta9$ "u subclause 7,,ii74 7,,iv7 ,= ea* p>ticipat+ ,/ate1 multiply ! am\nt t is #ej p]c5t ( ! total am\nt made available "u subp>agraph 7,a7 by ! quoti5t obta9$ "u subclause 7,,iii74 7iv7 ,except z provid$ 9 p>agraph 7#e71 9 a fiscal ye>-- 7,i7 a p>ticipat+ ,/ate may n receive m ?an #ae p]c5t ( ! total am\nt t is made available "u subp>agraph 7,a7 9 t fiscal ye>2 & 7,,ii7 if a p>ticipat+ ,/ate1 bas$ on ! requirem5ts "u clauses 7i7 ?r\gh 7iii71 w\ld1 b = ! limit "u subclause 7,i7 ( ?is clause1 receive an am\nt t is great] ?an ! am\nt ! ,/ate is au?oriz$ to receive "u t subclause1 ! diff]5ce betwe5 ! au?oriz$ am\nt & ! am\nt o!rwise due to ! ,/ate "u clauses 7i7 ?r\gh 7iii7 %all be allocat$ to o!r p>ticipat+ ,/ates-- 7aa7 t1 9 t fiscal ye>1 h n receiv$ an am\nt "u subp>agraph 7,a7 t is m ?an ! au?oriz$ am\nt "u subclause 7,i7 ( ?is clause2 & 7bb7 by us+ ! requirem5ts "u clauses 7i7 ?r\gh 7iii71 except t a p>ticipat+ ,/ate may receive an allocation "u ?is subclause only if ! allocation does n result 9 ! ,/ate receiv+ a total am\nt = ! fiscal ye> "u subp>agraph 7,a7 t is great] ?an ! au?oriz$ am\nt "u subclause 7,i74 7#d7 ,no revolv+ fund requir$ 7,a7 ,9 g5]al ,not)/&+ any o!r provision ( ?is section1 & subject to subp>agraph 7,b71 a p>ticipat+ ,/ate t receives less ?an #d1jjj1jjj "u p>agraph 7#c77;,b7 9 a fiscal ye> may di/ribute ! funds directly 9 ! =m ( grants or te*nical assi/ance = a purpose describ$ 9 subsection 7c77#b71 )\t reg>d to :e!r ! ,/ate has e/abli%$ a ,/ate loan fund4 7,b7 ,/ate mat*+ ,a p>ticipat+ ,/ate t ex]cises ! au?ority "u subp>agraph 7,a7 9 a fiscal ye> %all provide mat*+ funds f non-,f$]al s\rces 9 an am\nt t is equal to #ae p]c5t ( ! am\nt t ! ,/ate receives "u p>agraph 7#c77;,b7 9 t fiscal ye> = purposes describ$ 9 subp>agraph 7,a74 7#e7 ,allocation ( rema9+ funds ,aft] allocat+ am\nts made available to c>ry out ?is section = a fiscal ye> 9 accordance ) p>agraph 7#c71 ! ,adm9i/rator %all allocate any rema9+ am\nts made available = t fiscal ye> to p>ticipat+ ,/ates1 us+ ! proc$ures describ$ 9 clauses 7i7 ?r\gh 7iii7 ( p>agraph 7#c77;,b74 7#f7 ,allocation = tribal gov]nm5ts & insul> areas ,! ,adm9i/rator %all res]ve n less ?an #e4j p]c5t ( ! am\nt made available to c>ry out ?is section 9 a fiscal ye> to ent] into grant agreem5ts ) tribal gov]nm5ts & insul> areas1 ) ! grant funds to be di/ribut$-- 7,a7 accord+ to crit]ia e/abli%$ by ! ,adm9i/rator2 & 7,b7 = a purpose describ$ 9 subsection 7c77#b74 7#g7 ,adm9i/rative co/s2 te*nical assi/ance ,! ,adm9i/rator %all res]ve n m ?an #b4e p]c5t ( ! am\nt made available to c>ry out ?is section 9 a fiscal ye>-- 7,a7 = adm9i/rative co/s incurr$ 9 c>ry+ out ?is section2 & 7,b7 to provide te*nical assi/ance to recipi5ts ( grants "u ?is section4 7c7 ,use ( funds 7#a7 ,9 g5]al ,am\nts deposit$ 9 a ,/ate loan fund1 includ+ repaym5ts ( loans made f ! fund & int]e/ e>n$ on ! am\nts 9 ! fund1 %all be us$-- 7,a7 consi/5t ) p>agraphs 7#b7 & 7#c7 & subsection 7g71 to provide f9ancial assi/ance =-- 7i7 home[n]s1 bus9esses1 & nonpr(it organizations t are eligible to p>ticipate 9 ! national flood insurance program2 7ii7 any local gov]nm5t t p>ticipates 9 ! national flood insurance program2 & 7iii7 any ,/ate gov]nm5t ag5cies or subdivisions ( any ,/ate gov]nm5t t engage 9 floodpla9 managem5t activities2 7,b7 z a s\rce ( rev5ue & security = lev]ag$ loans1 ! proce$s ( :i* %all be deposit$ 9 ! ,/ate loan fund2 or 7,c7 = ! sale ( bonds z security = paym5t ( ! pr9cipal & int]e/ on rev5ue or g5]al obligation bonds issu$ by ! p>ticipat+ ,/ate to provide mat*+ funds "u subsection 7g71 if ! proce$s f ! sale ( ! bonds are deposit$ 9 ! ,/ate loan fund4 7#b7 ,purposes ,a recipi5t ( f9ancial assi/ance provid$ ?r\gh am\nts f a ,/ate loan fund-- 7,a7 %all use ! am\nts to r$uce-- 7i7 flood risk2 or 7ii7 pot5tial flood claims submitt$ "u ! national flood insurance program2 7,b7 %all use ! am\nts 9 a co/-effective mann] "u requirem5ts e/abli%$ by ! ,/ate1 :i* may require an applicant = f9ancial assi/ance to submit any in=mation t ! ,/ate consid]s relevant or necess>y be=e ! date on :i* ! applicant receives ! assi/ance2 7,c7 %all use ! am\nts = projects t-- 7i7 meet design & con/ruction /&>ds e/abli%$ by ! ,adm9i/rator2 7ii7 are locat$ 9 communities t-- 7,i7 p>ticipate 9 ! national flood insurance program2 & 7,,ii7 h develop$ a ,/ate1 local1 or tribal gov]nm5t haz>d mitigation plan t has be5 approv$ by ! ,adm9i/rator "u section #acff2 7iii7 7,i7 address a repetitive-loss prop]ty or a sev]e repetitive-loss prop]ty2 or 7,,ii7 address flood risk 9 ! #ejj-ye> floodpla91 areas ( residual flood risk1 or o!r areas ( pot5tial flood risk1 z id5tifi$ by ! ,adm9i/rator2 & 7iv7 address curr5t risk & anticipate future risk1 su* z sea-level rise2 7,d7 may use ! am\nts-- 7i7 = projects relat+ to-- 7,i7 /ructural elevation2 7,,ii7 floodpro(+2 7,,iii7 ! relocation or removal ( build+s f ! #ajj-ye> floodpla9 or o!r areas ( flood risk1 includ+ ! acquisition ( prop]ties = su* a purpose2 7,,iv7 environm5tal re/oration activities t directly r$uce flood risk2 7,v7 any eligible activity describ$ 9 subp>agraphs 7,a7 ?r\gh 7,g7 ( section #acff7;c77#c72 or 7,,vi7 o!r activities det]m9$ appropriate by ! ,adm9i/rator2 7ii7 ) respect to a project describ$ 9 clause 7i71 only = exp5ditures directly relat$ to a project describ$ 9 t clause1 includ+ exp5ditures = plann+1 design1 & associat$ pre-con/ruction activities2 & 7iii7 to acquire1 = ! purposes ( p]man5t protection1 l&1 build+s1 or a cons]vation easem5t f a will+ sell] or grantor2 7,e7 may n use ! am\nts-- 7i7 to con/ruct build+s or exp& exi/+ build+s unless ! activity is = ! purpose ( flood mitigation2 7ii7 to improve any /ructure1 unless ! recipi5t has obta9$ flood insurance cov]age 9 an am\nt at lea/ equal to ! less] ( ! eligible project co/s or ! maximum insurable limit = ! /ructure "u ! national flood insurance program cov]age = ! /ructure1 :i* cov]age %all be ma9ta9$ = ! useful life ( ! /ructure2 7iii7 to improve a resid5tial prop]ty ) an apprais$ value t is n less ?an #abe p]c5t ( ! limitation on ! maximum orig9al pr9cipal obligation ( a conv5tional mortgage t may be pur*as$ by ! ,f$]al ,national ,mortgage ,association or ! ,f$]al ,home ,loan ,mortgage ,corporation 9 ! area 9 :i* ! prop]ty is locat$1 z e/abli%$ "u section #cjb7;b77#b7 ( ! ,f$]al ,national ,mortgage ,association ,*>t] ,act 7#ab ,u4,s4,c4 #agag7;b77#b77 & section #cje7;a77#b7 ( ! ,f$]al ,home ,loan ,mortgage ,corporation ,act 7#ab ,u4,s4,c4 #aded7;a77#b772 7iv7 = ! direct b5efit ( a home[n] if ! annual h\sehold adju/$ gross income ( ! home[n] dur+ ! previ\s fiscal ye> 0 n less ?an #bjj1jjj1 z annually adju/$ by ! ,adm9i/rator to reflect *anges 9 ! ,consum] ,price ,index = ,all ,urban ,consum]s1 z publi%$ by ! ,bureau ( ,labor ,/ati/ics ( ! ,dep>tm5t ( ,labor & r\nd$ to ! ne>e/ #be2 or 7v7 to acquire real prop]ty or an int]e/ 9 real prop]ty unless ! prop]ty is pur*as$ f a will+ sell]2 & 7,f7 %all1 9 ! use ( su* am\nts1 give priority to ! maximum ext5t practicable to projects t assi/ l[-income home[n]s & l[-income geographical areas4 7d7 ,int5d$ use plans 7#a7 ,9 g5]al ,aft] provid+ ! opportunity = public review & comm5t1 ea* p>ticipat+ ,/ate %all annually prep>e a plan t id5tifies1 = ! ye> foll[+ ! date ( issuance ( ! int5d$ use plan1 ! int5d$ uses ( ! am\nts available 9 ! ,/ate loan fund ( ! p>ticipat+ ,/ate4 7#b7 ,consultation dur+ prep>ation ,ea* p>ticipat+ ,/ate1 9 prep>+ an int5d$ use plan1 %all ensure t ! ,/ate ag5cy ) prim>y responsibility = floodpla9 managem5t-- 7,a7 provides ov]sight ) respect to ! prep>ation ( ! int5d$ use plan2 & 7,b7 consults ) any o!r appropriate ,/ate ag5cy1 includ+ ag5cies responsible = coa/al & environm5tal managem5t4 7#c7 ,cont5ts ,a p>ticipat+ ,/ate %all1 9 ea* int5d$ use plan-- 7,a7 include-- 7i7 an explanation ( ! mitigation & resili5cy b5efits ! ,/ate int5ds to a*ieve1 includ+ by-- 7,i7 r$uc+ future damage & loss associat$ ) flood+2 7,,ii7 r$uc+ ! numb] ( sev]e repetitive-loss prop]ties & repetitive-loss prop]ties 9 ! ,/ate2 7,,iii7 decreas+ ! numb] ( flood insurance claims 9 ! ,/ate2 & 7,,iv7 increas+ ! rat+ "u ! ,community ,rat+ ,sy/em = communities 9 ! ,/ate2 7ii7 in=mation ) respect to ! availability (1 & ! application process = receiv+1 f9ancial assi/ance f ! ,/ate loan fund ( ! ,/ate2 7iii7 ! crit]ia & me?ods e/abli%$ = ! di/ribution ( am\nts f ! ,/ate loan fund ( ! ,/ate2 7iv7 ! am\nt ( f9ancial assi/ance t ! ,/ate anticipates allocat+ to-- 7,i7 local gov]nm5t projects2 & 7,,ii7 projects = home[n]s1 bus9ess1 or nonpr(it organizations2 7v7 ! expect$ t]ms ( ! assi/ance provid$ "u clause 7iv72 & 7vi7 a description ( ! f9ancial /atus ( ! ,/ate loan fund & ! %ort-t]m & long-t]m goals ( ! ,/ate loan fund2 & 7,b7 provide1 to ! maximum ext5t practicable1 t priority = ! use ( am\nts f ! ,/ate loan fund %all be giv5 to projects t-- 7i7 address sev]e repetitive-loss prop]ties & repetitive-loss prop]ties2 7ii7 assi/ l[-income home[n]s & l[-income geographic areas2 & 7iii7 address flood risk = pre-,,firm build+s4 7#d7 ,publication ,ea* p>ticipat+ ,/ate %all publi% & p]iodically update a li/ ( all projects receiv+ fund+ f ! ,/ate loan fund ( ! ,/ate1 :i* %all include id5tification (-- 7,a7 ! community 9 :i* ! project is locat$2 7,b7 ! type & am\nt ( assi/ance provid$ = ea* project2 & 7,c7 ! expect$ fund+ s*$ule & date ( completion ( ea* project4 7e7 ,fund managem5t ,am\nts 9 a ,/ate loan fund %all-- 7#a7 rema9 available = provid+ f9ancial assi/ance "u ?is section until di/ribut$2 7#b7 if ! am\nts are n requir$ = imm$iate di/ribution or exp5diture1 be inve/$ 9 int]e/-be>+ obligations2 & 7#c7 except z provid$ 9 subsection 7i71 include only-- 7,a7 am\nts receiv$ f capitalization grants made "u ?is section2 7,b7 repaym5ts ( loans made f ! fund2 & 7,c7 int]e/ e>n$ on am\nts 9 ! fund4 7f7 ,mat*+ funds 7#a7 ,full grant ,on or be=e ! date on :i* a p>ticipat+ ,/ate receives a capitalization grant1 ! ,/ate %all deposit into ! ,/ate loan fund ( ! ,/ate1 9 addition to ! am\nt ( ! capitalization grant1 an am\nt f non-,f$]al s\rces t is n less ?an #aj p]c5t ( ! total am\nt ( ! capitalization grant4 7#b7 ,r$uc$ grant ,not)/&+ p>agraph 7#a71 if a ,/ate deposits 9 ! ,/ate loan fund ( ! ,/ate 9 connection a capitalization grant an am\nt f non-,f$]al s\rces t is less ?an #aj p]c5t ( ! total am\nt ( ! capitalization grant t w\ld o!rwise be receiv$ by ! ,/ate1 ! ,adm9i/rator %all r$uce ! am\nt ( ! capitalization grant receiv$ by ! ,/ate to ! am\nt t is #aj times ! am\nt s deposit$ & %all allocate su* rema9+ grant am\nts "u subsection 7b77#e7 toge!r ) ! am\nts allocat$ "u su* subsection4 7g7 ,types ( assi/ance ,unless o!rwise prohibit$ by ,/ate law1 a p>ticipat+ ,/ate may use ! am\nts deposit$ into a ,/ate loan fund "u ?is section only-- 7#a7 to make a loan1 on ! condition t-- 7,a7 ! int]e/ rate = ! loan is n m ?an ! m>ket int]e/ rate2 7,b7 ! recipi5t ( ! loan w beg9 mak+ pr9cipal & int]e/ paym5ts on ! loan n lat] ?an #a ye> aft] ! date on :i* ! project = :i* ! loan 0 made is complet$2 7,c7 ! loan w be fully amortiz$ n lat] ?an #bj ye>s aft] ! date on :i* ! project = :i* ! loan 0 made is complet$1 except t1 9 ! case ( a loan made = a project 9 a l[-income geographic area or to a l[-income home[n]1 ! ,/ate may provide a long] amortization p]iod = ! loan if t long] p]iod-- 7i7 ends on a date t is n lat] ?an #cj ye>s aft] ! date on :i* ! project is complet$2 & 7ii7 is n long] ?an ! expect$ design life ( ! project2 7,d7 ! recipi5t ( ! loan demon/rates1 bas$ on v]ifi$ & docum5t$ in=mation t1 at ! "t ! loan is consummat$1 t ! recipi5t has a reasonable ability to repay ! loan1 accord+ to its t]ms1 except t ?is subp>agraph may n be con/ru$ to au?orize any r$uction or limitation 9 ef=ts to comply ) ! requirem5ts ( subsection 7c77#b77;,e7 7relat+ to priority = assi/ance = l[-income home[n]s & l[-income geographical areas72 & 7,e7 paym5ts ( pr9cipal & int]e/ ) respect to ! loan w be deposit$ into ! ,/ate loan fund2 7#b7 to buy or ref9ance ! debt obligation ( a local gov]nm5t relat$ to flood mitigation or resili5cy activities1 at an int]e/ rate t is n m ?an ! m>ket int]e/ rate2 7#c7 to gu>antee1 or pur*ase insurance =1 a local obligation1 ! proce$s ( :i* f9ance a project eligible = assi/ance "u ?is section1 if ! gu>antee or pur*ase1 z applicable1 w\ld-- 7,a7 improve cr$it m>ket access2 or 7,b7 r$uce ! int]e/ rate ) respect to ! obligation2 7#d7 z a s\rce ( rev5ue or z security = ! paym5t ( pr9cipal & int]e/ on rev5ue or g5]al obligation bonds issu$ by ! ,/ate if ! proce$s ( ! sale ( ! bonds w be deposit$ into ! ,/ate loan fund2 or 7#e7 to e>n int]e/ on ^? am\nts4 7h7 ,assi/ance = l[-,income home[n]s & l[-,income geographic areas 7#a7 ,9 g5]al ,not)/&+ any o!r provision ( ?is section1 if a p>ticipat+ ,/ate uses am\nts f a ,/ate loan fund to provide f9ancial assi/ance "u subsection 7c7 9 a l[-income geographic area or to a l[-income home[n]1 ! ,/ate may provide additional subsidization to ! recipi5t ( ! assi/ance1 includ+ =giv5ess ( ! pr9cipal ( a loan4 7#b7 ,limitation ,= ea* fiscal ye>1 ! total am\nt ( additional subsidization provid$ by a p>ticipat+ ,/ate "u p>agraph 7#a7 may n exce$ #cj p]c5t ( ! am\nt ( ! capitalization grant allocat$ to ! ,/ate = t fiscal ye>4 7i7 ,adm9i/ration ( fund 7#a7 ,9 g5]al ,a p>ticipat+ ,/ate may comb9e ! f9ancial adm9i/ration ( a ,/ate loan fund ) ! f9ancial adm9i/ration ( any o!r revolv+ fund e/abli%$ by ! ,/ate if-- 7,a7 comb9+ ! adm9i/ration ( ! funds w\ld-- 7i7 be conv5i5t & avoid adm9i/rative co/s2 & 7ii7 n violate ! law ( ! ,/ate2 & 7,b7 ! ,adm9i/rator det]m9es t-- 7i7 am\nts obta9$ f a grant made "u ?is section1 am\nts obta9$ f ! repaym5t ( a loan made f a ,/ate loan fund1 & int]e/ e>n$ on am\nts 9 a ,/ate loan fund w be-- 7,i7 acc\nt$ = sep>ately f am\nts f o!r revolv+ funds2 & 7,,ii7 us$ only = purposes au?oriz$ "u ?is section2 & 7ii7 aft] consult+ ) ! appropriate ,/ate ag5cies1 ! au?ority to e/abli% assi/ance priorities & c>ry out ov]sight & relat$ activities1 o!r ?an f9ancial adm9i/ration1 ) respect to flood assi/ance rema9s ) ! ,/ate ag5cy ) prim>y responsibility = floodpla9 managem5t4 7#b7 ,adm9i/rative & te*nical co/s 7,a7 ,9 g5]al ,= ea* fiscal ye>1 a p>ticipat+ ,/ate may use ! am\nt describ$ 9 subp>agraph 7,b7 to-- 7i7 pay ! reasonable co/s ( adm9i/ration ( ! programs "u ?is section1 includ+ ! recov]y ( reasonable co/s incurr$ 9 e/abli%+ a ,/ate loan fund2 7ii7 provide appropriate ov]sight ( projects au?oriz$ "u ?is section2 & 7iii7 provide te*nical assi/ance & outrea* to recipi5ts 9 ! ,/ate ( am\nts "u ?is section1 includ+ ) respect to updat+ haz>d mitigation plans & p>ticipat+ 9 ! ,community ,rat+ ,sy/em1 9 an am\nt t is n m ?an #d p]c5t ( ! funds made available to ! ,/ate "u ?is section4 7,b7 ,description ,! am\nt describ$ 9 ?is subp>agraph is an am\nt equal to ! sum (-- 7i7 any fees collect$ by a p>ticipat+ ,/ate to recov] ! co/s describ$ 9 subp>agraph 7,a77i71 reg>dless ( ! s\rce2 & 7ii7 ! greate/ (-- 7,i7 #djj1jjj2 7,,ii7 #j4b p]c5t ( ! value ( ! ,/ate loan fund ( a ,/ate1 z ( ! date on :i* ! valuation is made2 & 7,,iii7 an am\nt equal to #g p]c5t ( all grant aw>ds made to a p>ticipat+ ,/ate = ! ,/ate loan fund ( ! ,/ate "u ?is section = ! fiscal ye>4 7#c7 ,audit & report 7,a7 ,audit requirem5t ,n less frequ5tly ?an bi5nially1 ea* p>ticipat+ ,/ate %all conduct an audit ( ! ,/ate loan fund ( ! ,/ate4 7,b7 ,report ,ea* p>ticipat+ ,/ate %all submit to ! ,adm9i/rator a bi5nial report reg>d+ ! activities ( ! ,/ate "u ?is section dur+ ! p]iod cov]$ by ! report1 includ+-- 7i7 ! result ( any audit conduct$ by ! ,/ate "u subp>agraph 7,a72 & 7ii7 a review ( ! effectiv5ess ( ! ,/ate loan fund ( ! ,/ate ) respect to-- 7,i7 ! int5d$ use plans ( ! ,/ate2 & 7,,ii7 meet+ ! objectives describ$ 9 subsection 7b77#a74 7#d7 ,ov]sight ,9 conduct+ ov]sight ) respect to ,/ate loan funds e/abli%$ "u ?is section1 ! ,adm9i/rator-- 7,a7 %all-- 7i7 p]iodically audit ! funds 9 accordance ) proc$ures e/abli%$ by ! ,comptroll] ,g5]al ( ! ,unit$ ,/ates2 & 7ii7 n less frequ5tly ?an once e #d ye>s1 review ea* ,/ate loan fund to det]m9e ! effectiv5ess ( ! fund 9 r$uc+ flood risk2 & 7,b7 may1 at any "t-- 7i7 make recomm5dations to a p>ticipat+ ,/ate ) respect to ! adm9i/ration ( ! ,/ate loan fund ( ! ,/ate2 or 7ii7 require specific *anges ) respect to a ,/ate loan fund 9 ord] to improve ! effectiv5ess ( ! fund4 7j7 ,liability protections ,! ,f$]al ,gov]nm5t %all n be liable = any claim bas$ ^u ! ex]cise or p]=mance (1 or ! failure to ex]cise or p]=m1 a discretion>y function or duty on ! "p ( ! ,f$]al ag5cy1 or an employee ( ! ,f$]al ,gov]nm5t1 9 c>ry+ out ! provision ( ?is section4 7k7 ,regulations ,! ,adm9i/rator %all promulgate su* guidance or regulations z may be necess>y to c>ry out ?is section1 includ+ guidance or regulations t-- 7#a7 ensure t ea* p>ticipat+ ,/ate to :i* funds are allocat$ "u ?is section uses ! funds z effici5tly z possible2 7#b7 r$uce1 to ! maximum ext5t practicable1 wa/e1 fraud1 & abuse ) respect to ! implem5tation ( ?is section2 & 7#c7 require any p>ty t receives funds directly or indirectly "u ?is section1 includ+ a p>ticipat+ ,/ate & a recipi5t ( am\nts f a ,/ate loan fund1 to use proc$ures ) respect to ! managem5t ( ! funds t con=m to g5]ally accept$ acc\nt+ /&>ds4 7l7 ,au?orization ( appropriations ,!re ia au?oriz$ to be appropriat$ to c>ry out ?is section #ej1jjj1jjj = ea* ( fiscal ye>s #bjbj ?r\gh #bjbd4 4 #ajf4 ,use ( replacem5t co/ value 9 e/imat+ premium rates ,section #acjg ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #djad7 is am5d$ by add+ at ! end ! foll[+ new subsection3 7i7 ,use ( ,replacem5t ,co/ ,value ,9 det]m9+ af=dability = insurance provid$ "u ?is title1 ! ,adm9i/rator may consid]1 :]e appropriate1 ! impact ( ! inclusion ( ! replacem5t co/ or o!r settlem5t basis ( ! /ructure4 4 #ajg4 ,refund ( premiums ^u cancellation ( policy because ( replacem5t ) private flood insurance ,section #acjf ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #djac7 is am5d$ by add+ at ! end ! foll[+ new subsection3 7e7 ,refund ( une>n$ premiums = policies cancel$ because ( replacem5t ) private flood insurance 7#a7 ,requir$ refund ,subject to subsection 7c71 if at any "t an insur$ "u a policy = flood insurance cov]age = a prop]ty t is made available "u ?is title cancels su* policy because o!r duplicate flood insurance cov]age = ! same prop]ty has be5 obta9$ f a s\rce o!r ?an ! ,national ,flood ,insurance ,program "u ?is title1 ! ,adm9i/rator %all refund to ! =m] insur$ a portion ( ! premiums paid = ! cov]age made available "u ?is title1 z det]m9$ consi/5t ) indu/ry practice accord+ to ! portion ( ! t]m ( ! policy t su* cov]age 0 9 effect1 b only if a copy ( decl>ations page ( ! new policy obta9$ f a s\rce o!r ?an ! program "u ?is title is provid$ to ! ,adm9i/rator4 7#b7 ,effective date ( cancellation ,= purposes ( ?is subsection1 a cancellation ( a policy = cov]age made available "u ! ,national ,flood ,insurance ,program "u ?is title1 = ! reason specifi$ 9 p>agraph 7#a71 %all be effective-- 7,a7 on ! effective date ( ! new policy obta9$ f a s\rce o!r ?an ! program "u ?is title1 if ! reque/ = su* cancellation 0 receiv$ by ! ,adm9i/rator be=e ! expiration ( ! #f-mon? p]iod beg9n+ on ! effective date ( ! new policy2 or 7,b7 on ! date ( ! receipt by ! ,adm9i/rator ( ! reque/ = cancellation1 if ! reque/ = su* cancellation 0 receiv$ by ! ,adm9i/rator aft] ! expiration ( ! #f-mon? p]iod beg9n+ on ! effective date ( ! new policy4 7#c7 ,prohibition ( refunds = prop]ties receiv+ increas$ co/ ( compliance claims ,no premium am\nts paid = cov]age made available "u ?is title may be refund$ pursuant to ?is subsection-- 7,a7 ) respect to cov]age = any prop]ty = :i* measures h be5 implem5t$ us+ am\nts receiv$ pursuant to a claim "u increas$ co/ ( compliance cov]age made available pursuant to section #acjd7;b72 or 7,b7 if a claim has be5 paid or is p5d+ "u ! policy t]m = :i* ! refund is s\ght4 4 ,,ii ,mapp+ #bja4 ,reau?orization ( appropriations = ,national ,flood ,mapp+ ,program ,subsection 7f7 ( section #ajjbaf ( ! ,bigg]t-,wat]s ,flood ,insurance ,re=m ,act ( #bjab 7#db ,u4,s4,c4 #daja7;b77 is am5d$ by /rik+ #djj1jjj1jjj = ea* ( fiscal ye>s #bjac ?r\gh #bjag & ins]t+ #ejj1jjj1jjj = ea* ( fiscal ye>s #bjai ?r\gh #bjbc4 #bjb4 ,national ,flood ,mapp+ ,program 7a7 ,inclusion ( cada/ral features 9 rate maps ,section #ajjbaf7;b77#c7 ( ! ,bigg]t-,wat]s ,flood ,insurance ,re=m ,act ( #bjab 7#db ,u4,s4,c4 #daja;b7b77#c77 is am5d$-- 7#a7 9 subp>agraph 7,d71 by /rik+ & at ! end2 7#b7 9 subp>agraph 7,e71 by /rik+ ! p]iod at ! end & ins]t+ 2 &2 & 7#c7 by add+ at ! end ! foll[+3 7,f7 cada/ral features1 includ+1 = ea* cada/ral feature-- 7i7 ! associat$ p>cel id5tification data = su* cada/ral feature2 & 7ii7 to ! maximum ext5t practicable1 us+ public & private sector address data1 ! address ( su* cada/ral feature4 4 7b7 ,=mat ( rate maps ,section #ajjbaf7;c77#b7 ( ! ,bigg]t-,wat]s ,flood ,insurance ,re=m ,act ( #bjab 7#db ,u4,s4,c4 #daja;b7c77#b77 is am5d$-- 7#a7 9 subp>agraph 7,b71 by /rik+ & at ! end2 7#b7 9 subp>agraph 7,c71 by /rik+ ! p]iod at ! end & ins]t+ 2 &2 & 7#c7 by add+ at ! end ! foll[+3 7,d7 spatially accurate 9 accordance ) ! common protocols = geospatial data "u section #geg ( ! ,geospatial ,data ,act ( #bjah 7#dc ,u4,s4,c4 #bhjf74 4 7c7 ,additional consid]ations ,section #ajjbaf ( ! ,bigg]t-,wat]s ,flood ,insurance ,re=m ,act ( #bjab 7#db ,u4,s4,c4 #daja;b7 is am5d$-- 7#a7 by r$esignat+ subsection 7f7 z subsection 7m72 & 7#b7 by ins]t+ aft] subsection 7e7 ! foll[+3 7g7 ,/ream fl[ networks 7#a7 ,9 g5]al ,! ,adm9i/rator %all coord9ate ) ! ,unit$ ,/ates ,geological ,survey = ! %>+ ( data f /ream fl[ networks critical to ! ,national ,flood ,insurance ,program1 flood risk mapp+1 & flood risk assessm5ts1 to ensure t-- 7,a7 ! /ream gage /ations 9 su* /ream fl[ networks are op]ational & use mod]n h>dw>e2 7,b7 su* /ream fl[ networks are suffici5tly d5sifi$ by add+ new /ream gage /ations 9 high-risk areas2 7,c7 inactive critical /ream gage /ations 9 su* /ream fl[ networks are reactivat$2 & 7,d7 ! spe$ ( ! geospatial real-"t data fe$s f su* /ream gage /ations is increas$4 7#b7 ,def9itions ,9 ?is subsection3 7,a7 ,/ream fl[ network ,! t]m /ream fl[ network means a network ( /ream fl[ gages ma9ta9$ "u ! direction ( ! ,unit$ ,/ates ,geological ,survey & its p>tn]s t is us$ to measure or record ! fl[ ( wat] d[n a /ream or riv]1 or ?r\gh an entire wat]%$ sy/em1 & transmit su* in=mation us+ a geospatial real-"t data fe$4 7,b7 ,/ream gage /ation ,! t]m /ream gage /ation means a device in/all$ at ! edge ( a riv] or /ream t measures or records ! fl[ ( wat] d[n ! /ream & additional in=mation su* z wat] height1 wat] *emi/ry1 & wat] temp]ature4 7#c7 ,rule ( con/ruction ,! purpose ( ?is subsection is to require coop]ation betwe5 ! ,f$]al ,em]g5cy ,managem5t ,ag5cy & ,unit$ ,/ates ,geological ,survey & no?+ 9 ?is subsection may be con/ru$ to require or obligate fund+ exp5ditures4 7h7 ,availability ( data to public ,! ,adm9i/rator %all make available to ! public on ! website ( ! ,f$]al ,em]g5cy ,managem5t ,ag5cy a national geospatial data repository t-- 7#a7 provides access to ! raw data us$ to include ! cada/ral features & p>cel id5tification data 9 ,national ,flood ,insurance ,program rate maps2 7#b7 to ! ext5t t su* data is available1 all[s us]s to view1 qu]y1 & obta9 su* data at multiple levels ( detail1 includ+ d[n to ! prop]ty level2 7#c7 all[s us]s to view flood risks1 flood insurance zones1 & flood elevations2 7#d7 provides access to flood mapp+ & relat$ in=mation su* z-- 7,a7 hydrologic & hydraulic models us$ 9 det]m9+ flood risk2 7,b7 /ructure footpr9ts :]e available z "p ( a national /ructure inv5tory2 7,c7 flood dep? grids2 7,d7 flood risk reports2 7,e7 flood risk assessm5ts 7,hazus analyses72 7,f7 haz>d mitigation plans2 & 7,g7 o!r flood risk products at ! discretion ( ! ,adm9i/rator2 & 7#e7 ma9ta9s & dissem9ates su* data 9 a consi/5t mann]4 7i7 ,ensur+ curr5t data ,n less frequ5tly ?an once e #e ye>s1 ! ,adm9i/rator %all v]ify t ea* ,national ,flood ,insurance ,program rate map conta9s data t is curr5t & cr$ible4 7j7 ,qualifications-,bas$ ,selection ,contract+ 7#a7 ,9 g5]al ,) respect to a contract aw>d$ by ! ,adm9i/rator "u ?is ,act1 or by an entity receiv+ a grant "u ?is ,act1 = program managem5t1 ar*itectural & eng9e]+ s]vices1 or survey+ & mapp+1 su* a contract %all be aw>d$ to a contractor select$ 9 accordance ) ! proc$ures describ$ 9 section #aajc ( title #dj1 ,unit$ ,/ates ,code 7or an applicable equival5t ,/ate qualifications-bas$ /atute74 ,! ,adm9i/rator1 or entity1 z ! case may be1 %all require su* contractor1 z a condition ( su* contract1 to aw>d any subcontract = program managem5t1 ar*itectural & eng9e]+ s]vices1 or survey+ & mapp+ 9 accordance ) ! proc$ures describ$ 9 ! previ\s s5t5ce1 or ! applicable equival5t ,/ate /atute4 7#b7 ,relation%ip to ,/ate law ,no?+ 9 ?is subsection %all sup]s$e any applicable ,/ate lic5s+ law gov]n+ pr(essional lic5sure4 7#c7 ,def9itions ,9 ?is subsection3 7,a7 ,ar*itectural & eng9e]+ s]vices ,! t]m ar*itectural & eng9e]+ s]vices has ! mean+ giv5 t t]m 9 section #aajb ( title #dj1 ,unit$ ,/ates ,code4 7,b7 ,survey+ & mapp+ ,! t]m survey+ & mapp+ includes geospatial activities associat$ ) measur+1 locat+1 & prep>+ maps1 *>ts1 or o!r graphical or digital pres5tations depict+ natural & man-made physical features1 ph5om5a1 & legal b\nd>ies ( ! e>?1 includ+ ! foll[+3 7i7 ,topographic ,eng9e]+ ,survey+1 includ+ acquisition ( topographic ori5t$ survey+ & mapp+ data = design1 con/ruction1 ma/] plann+1 op]ations1 z-built conditions1 precise /ructure /ability /udies us+ conv5tional & electronic in/rum5tation1 photogrammetric1 ,li,d,a,r1 remote s5s+1 in]tial1 satellite1 & o!r mann$ & unmann$ survey me?ods z applicable4 7ii7 ,hydrographic ,eng9e]+ ,survey+1 includ+ acquisition ( hydrographic ori5t$ survey+ & mapp+ data = design1 con/ruction1 dr$g+1 ma/] plann+1 op]ations1 & z-built conditions us+ conv5tional & electronic in/rum5tation1 & photogrammetric1 remote s5s+1 in]tial1 satellite1 side scan son>1 subbottom pr(il+1 & o!r survey+ me?ods1 z applicable4 7iii7 ,l& ,survey+1 includ+ prop]ty & b\nd>y surveys1 monum5tation1 m>k+ & po/+1 & prep>ation ( tract descriptions1 us+ conv5tional1 electronic in/rum5tation1 photogrammetric1 in]tial1 satellite1 & o!r survey me?ods1 z applicable4 7iv7 ,geodetic ,survey+1 includ+ fir/1 second1 & ?ird ord] horizontal & v]tical control surveys1 geodetic a/ronomy1 gravity & magnetic surveys us+ conv5tional1 electronic in/rum5tation1 photogrammetric1 in]tial1 satellite1 & o!r survey me?ods1 z applicable4 7v7 ,c>tographic ,survey+1 includ+ acquisition ( topographic & hydrographic ori5t$ survey+ & mapp+ data = con/ruction ( maps1 *>ts1 & simil> products = plann+1 flood analysis1 & g5]al use purposes us+ conv5tional & electronic in/rum5tation1 photogrammetric1 in]tial1 satellite1 mobile1 t]re/rial1 & o!r survey me?ods1 z applicable4 7vi7 ,mapp+1 *>t+1 & relat$ geospatial database developm5t1 includ+ ! design1 compilation1 digitiz+1 attribut+1 scrib+1 draft+1 pr9t+ & dissem9ation ( pr9t$ or digital map1 *>t1 & relat$ geospatial database products associat$ ) plann+1 eng9e]+1 op]ations1 & relat$ real e/ate activities us+ photogrammetric1 geographic in=mation sy/ems1 & o!r manual & comput] assi/$ me?ods1 z applicable4 7k7 ,def9itions ,9 ?is section3 7#a7 ,cada/ral feature ,! t]m cada/ral feature means ! geographic elem5ts & features-- 7,a7 t are indep5d5t ( elevation1 su* z roads1 /ructure footpr9ts1 & riv]s & lakes2 7,b7 :i* are repres5t$ on maps to %[ ! true location & size ( ! elem5ts 9 relation%ip to ea* o!r1 z !y are se5 f ! air2 & 7,c7 t are mapp$ f ,li,d,a,r or a]ial photography by employ+ basic photogrammetry4 7#b7 ,p>cel id5tification data ,! t]m p>cel id5tification data means ! in=mation associat$ ) a p>cel ( l&1 includ+ ! geographic location1 unique p>cel id5tifi]1 b\nd>ies1 /ructures conta9$ )9 ! p>cel1 zon+ classification1 & own]4 4 #bjc4 ,flood mapp+ mod]nization & home[n] emp[]m5t pilot program 7a7 ,9 g5]al ,! ,adm9i/rator ( ! ,f$]al ,em]g5cy ,managem5t ,ag5cy %all c>ry out a pilot program to make grants to units ( local gov]nm5t to enhance ! mapp+ ( urban flood+ & associat$ prop]ty damage & ! availability ( su* mapp$ data to home[n]s1 bus9esses1 & units ( local gov]nm5t to enable !m to m9imize ! risk ( su* flood+4 7b7 ,objectives ,am\nts f grants made "u ! pilot program "u ?is section may be us$ only to c>ry out activities to meet ! foll[+ objectives3 7#a7 ,to develop a me?odology = assess+ urban flood risk ?r\gh ! deploym5t ( te*nology-bas$ mapp+ tools t are easily und]/&able by ! public & effectively convey in=mation reg>d+ ! level ( flood risk4 7#b7 ,to provide /ructure-specific projections ( annual *ance flood frequ5cy4 7#c7 ,to provide /ructure-bas$ flood-risk assessm5ts4 7#d7 ,to provide urban flood-risk mitigation program design4 7#e7 ,to incorporate in=mation reg>d+ climate tr5ds into urban flood+ risk assessm5ts4 7#f7 ,to make ! in=mation describ$ 9 ?is subsection publicly available on ! int]net ?r\gh a web-bas$ portal s z to increase transp>5cy reg>d+ home[n] flood risks1 except t ! ,adm9i/rator may n disclose su* in=mation 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 7c7 ,eligible recipi5ts 7#a7 ,9 g5]al ,grants "u ! pilot program "u ?is section may be made only to units ( g5]al local gov]nm5t locat$ 9 urbaniz$ areas1 z su* t]m is us$ by ! ,bureau ( ! ,c5sus ( ! ,dep>tm5t ( ,comm]ce1 hav+ populations exce$+ #ej1jjj or to /ormwat] managem5t au?orities ( su* units ( g5]al local gov]nm5t4 7#b7 ,"o-"t grants ,a grant "u ! pilot program "u ?is section may n be made to-- 7,a7 any unit ( g5]al local gov]nm5tal1 or /ormwat] managem5t au?ority ( a unit ( g5]al gov]nm5t1 t has previ\sly receiv$ a grant "u ! pilot program2 7,b7 any unit ( g5]al local gov]nm5t if ! /ormwat] managem5t ag5cy = su* unit has previ\sly receiv$ a grant "u ! pilot program2 or 7,c7 any /ormwat] managem5t ag5cy ( a unit ( g5]al local gov]nm5t if su* unit has previ\sly receiv$ a grant "u ! pilot program4 7#c7 ,treatm5t ( /ormwat] managem5t au?orities ,9 ! case ( a /ormwat] managem5t au?ority t op]ates ) respect to m ?an "o unit ( g5]al local gov]nm5t1 ! application ( su* au?ority %all be consid]$ = purposes ( p>agraph 7#b7 ( ?is subsection & subsections 7e71 7f71 & 7g77#a7 to be made = ! l>ge/ unit ( g5]al local gov]nm5t = :i* su* au?ority op]ates4 ,! prec$+ s5t5ce %all n limit ! ability ( su* au?ority to c>ry out activities "u ! demon/ration project 9 any o!r jurisdictions or unit ( local gov]nm5t ) respect to :i* ! au?ority op]ates4 7d7 ,applications ,to be eligible = a grant "u ?is section a unit ( g5]al local gov]nm5t or /ormwat] managem5t ag5cy %all submit to ! ,adm9i/rator an application 9 su* =m & conta9+ su* in=mation z ! ,adm9i/rator %all require4 7e7 ,selection ( recipi5ts 7#a7 ,annual selection ,subject to p>agraph 7#b7 & to ! submission ( approvable applications1 9 ea* fiscal ye> = :i* am\nts are made available = grants "u ! pilot program "u ?is section ! ,adm9i/rator %all select1 f among applications submitt$ "u subsection 7d7 = su* fiscal ye>1 #c units ( g5]al gov]nm5t or /ormwat] managem5t au?orities to receive grants "u ! pilot program "u ?is section4 7#b7 ,aggregate limit ,subject only to ! submission ( approvable applications1 ! ,adm9i/rator %all select1 9 ! aggregate ov] ! entire duration ( ! pilot program "u ?is section1 #ab units ( g5]al gov]nm5t or /ormwat] managem5t au?orities to receive grants "u ! pilot program1 z foll[s3 7,a7 ,ti] #a ,?ree ( ! applicants select$ %all be units ( g5]al local gov]nm5t1 or /ormwat] managem5t au?orities = su* units1 hav+ a population exce$+ #hjj1jjj1 z foll[s3 7i7 ,pelagic coa/al city ,"o %all be a unit ( g5]al local gov]nm5t1 or /ormwat] au?ority = su* a unit1 t is a pelagic unit4 7ii7 ,non-pelagic coa/al city ,"o %all be unit ( g5]al local gov]nm5t1 or /ormwat] au?ority = su* a unit1 t is a coa/al unit1 b n a pelagic unit4 7iii7 ,non-coa/al city ,"o %all be unit ( g5]al local gov]nm5t1 or /ormwat] au?ority = su* a unit1 t is n a coa/al unit4 7,b7 ,ti] #b ,six ( ! applicants select$ %all be units ( g5]al local gov]nm5t1 or /ormwat] managem5t au?orities = su* units1 hav+ a population exce$+ #bjj1jjj b n exce$+ #hjj1jjj1 z foll[s3 7i7 ,coa/al cities ,?ree %all be units ( g5]al local gov]nm5t1 or /ormwat] managem5t au?orities = su* units1 t are coa/al units4 7ii7 ,non-coa/al cities ,?ree %all be units ( g5]al local gov]nm5t1 or /ormwat] managem5t au?orities = su* units1 t are n coa/al units4 7,c7 ,ti] #c ,?ree ( ! applicants select$ %all be units ( g5]al local gov]nm5t1 or /ormwat] managem5t au?orities = su* units1 hav+ a population exce$+ #ej1jjj b n exce$+ #bjj1jjj4 7f7 ,priority 7#a7 ,9 g5]al ,! ,adm9i/rator %all select applicants = grants "u ! pilot program "u ?is section bas$ on ! ext5t to :i* _! applications w a*ieve ! objectives set =? 9 subsection 7b74 7#b7 ,ti]s #b & #c ,9 select+ applicants to receive grants "u ! pilot program "u ?is section pursuant to subp>agraphs 7,b7 & 7,c7 ( subsection 7e77#b71 ! ,adm9i/rator %all give priority to applicants-- 7,a7 t are highly vuln]able to sea level rise2 7,b7 )9 :i* are locat$ a milit>y in/allation or o!r facility relat+ to national security conc]ns2 or 7,c7 t h a population t is highly vuln]able to urban flood+ & h an unev5 capacity = flood mitigation & response ef=ts result+ f socioeconomic factors4 7g7 ,am\nt 7#a7 ,consid]ations ,9 det]m9+ ! am\nt ( grant "u ! pilot program "u ?is section1 ! ,adm9i/rator %all consid] ! population ( ! grant recipi5t1 :i* may be consid]$ 9 t]ms ( ! ti] "u subsection 7e77#b7 ( ! recipi5t4 7#b7 ,f$]al %>e ,! am\nt ( a grant "u ! pilot program "u ?is section may n exce$ #ge p]c5t ( ! total co/ ( ! activities "u subsection 7b7 to be c>ri$ out us+ ! grant am\nts4 7h7 ,duration ,! ,adm9i/rator %all require ea* recipi5t ( a grant "u ! pilot program "u ?is section to complete ! activities "u subsection 7b7 to be c>ri$ out us+ ! grant am\nts be=e ! expiration ( ! #ah-mon? p]iod beg9n+ ^u ! initial receipt ( grant am\nts "u ! pilot program4 7i7 ,use ( c5sus data ,! ,adm9i/rator %all make all det]m9ations "u ! pilot program reg>d+ population us+ ! mo/ rec5t available data f ! dec5nial c5sus4 7j7 ,grantee reports to ,,fema ,ea* recipi5t ( a grant "u ! pilot program "u ?is section %all1 n lat] ?an ! expiration ( ! #cj-mon? p]iod beg9n+ ^u ! initial receipt ( any su* grant am\nts1 submit to ! ,adm9i/rator a report t describes-- 7#a7 ! activities c>ri$ out ) am\nts f ! grant2 7#b7 h[ ! activities c>ri$ out ) su* grant am\nts h met ! objectives describ$ 9 subsection 7b72 & 7#c7 any lessons le>n$ 9 c>ry+ out su* activities & any recomm5dations = future mapp+ mod]nization ef=ts by ! ,f$]al ,em]g5cy ,managem5t ,ag5cy4 7k7 ,bi5nial reports by ,,fema ,n lat] ?an ! expiration ( ! #bd-mon? p]iod beg9n+ on ! date ( ! enactm5t ( ?is ,act1 & n lat] ?an ! expiration ( ea* successive #bd-mon? p]iod !reaft] until ! completion ( all activities c>ri$ out ) am\nts f grants "u ! pilot program "u ?is section1 ! ,adm9i/rator %all submit to ! ,congress & make available to ! public on an int]net website a report t-- 7#a7 describes-- 7,a7 ! progress ( ! activities c>ri$ out ) am\nts f su* grants2 & 7,b7 ! effectiv5ess ( te*nology-bas$ mapp+ tools us$ 9 c>ry+ out ! activities describ$ 9 subp>agraph 7,a72 & 7#b7 ) respect to ! f9al report t ! ,adm9i/rator is requir$ to submit "u ?is subsection1 includes recomm5dations to ! ,congress & ! executive bran* ( ! ,f$]al ,gov]nm5t = implem5t+ /rategies1 practices1 & te*nologies to mitigate ! effects ( urban flood+4 7l7 ,s5se ( ,congress ,x is ! s5se ( ! ,congress t1 because ! pilot program is limit$ ) respect to scope & res\rces1 communities t p>ticipate 9 ! pilot program %\ld ackn[l$ge t ! mo/ successful ef=ts to mitigate ! effects ( urban flood+-- 7#a7 take a /ructural-bas$ mitigation approa* ) respect to con/ruction1 :i* includes-- 7,a7 recogniz+ any po/-/orm damage t may occur2 & 7,b7 pursu+ designs t proactively m9imize future flood damage2 7#b7 make individuals 9 ! community aw>e1 ?r\gh any co/-effective & available means ( education1 ( ! be/ approa*es reg>d+ ! con/ruction ( prop]ties t are able to survive floods1 :i* r$uces ! co/ ( future repairs2 & 7#c7 enc\rage home & prop]ty own]s to consid] ! measures describ$ 9 p>agraphs 7#a7 & 7#b71 :i* are ! mo/ co/-effective & prud5t ways to r$uce ! impact ( flood+1 :5 con/ruct+ or r5ovat+ build+ compon5ts4 7m7 ,def9itions ,= purposes ( ?is section1 ! foll[+ def9itions %all apply3 7#a7 ,adm9i/rator ,! t]m ,adm9i/rator means ! ,adm9i/rator ( ! ,f$]al ,em]g5cy ,managem5t ,ag5cy4 7#b7 ,coa/al ,! t]m coa/al means1 ) respect to a unit ( g5]al local gov]nm5t1 t ! unit bord]s a body ( wat] t-- 7,a7 exce$s #b1jjj squ>e miles 9 size2 & 7,b7 is n a riv]4 7#c7 ,pelagic ,! t]m pelagic means1 ) respect to a unit ( g5]al local gov]nm5t1 t ! unit is a coa/al unit & ! body ( wat] t ! unit bord]s is an ocean or o!r l>ge1 op5 body ( wat] 7includ+ bays & gulfs7 t empties into an ocean4 7#d7 ,urban flood+ 7,a7 ,9 g5]al ,! t]m urban flood+ means ! inundation ( prop]ty 9 a built environm5t1 p>ticul>ly 9 m d5sely populat$ areas1 caus$ ei!r by fall+ ra9 collect+ on imp]vi\s surfaces or increas+ ! levels ( ne>by wat] bodies & ov]:elm+ ! capacity ( dra9age sy/ems1 su* z /orm sew]s1 includ+-- 7i7 situations 9 :i* /ormwat] ent]s build+s ?r\gh w9d[s1 doors1 or o!r op5+s2 7ii7 wat] backup ?r\gh sew] pipes1 %[]s1 toilets1 s9ks1 & floor dra9s2 7iii7 seepage ?r\gh walls & floors2 7iv7 ! accumulation ( wat] on prop]ty or public rights-(-way2 & 7v7 ! ov]fl[ f wat] bodies1 su* z riv]s1 lakes1 & oceans4 7,b7 ,exclusion ,su* t]m does n include flood+ 9 undevelop$ or agricultural areas4 7n7 ,fund+ ,!re is au?oriz$ to be appropriat$ = grants "u ! pilot program "u ?is section-- 7#a7 #a1bjj1jjj = fiscal ye> #bjbj2 & 7#b7 #d1cjj1jjj = fiscal ye> #bjba1 to rema9 available ?r\gh #bjbc4 #bjd4 ,mapp+ improvem5ts & rea* 7a7 ,exp&+ mapp+ to all areas ( ! ,unit$ ,/ates ,subp>agraph 7,a7 ( section #ajjbaf7;b77#a7 ( ! ,bigg]t-,wat]s ,flood ,insurance ,re=m ,act ( #bjab 7#db ,u4,s4,c4 #daja;b7b77#a77;,a77 is am5d$-- 7#a7 9 clause 7v71 by /rik+ & at ! end2 7#b7 by r$esignat+ clause 7vi7 z clause 7vii72 & 7#c7 by ins]t+ aft] clause 7v7 ! foll[+3 7vi7 all areas ( ! ,unit$ ,/ates2 & 4 7b7 ,use ( o!r ,f$]al ag5cies & ,,lid> ,section #ajjbaf ( ! ,bigg]t-,wat]s ,flood ,insurance ,re=m ,act ( #bjab 7#db ,u4,s4,c4 #daja;b7 is am5d$-- 7#a7 9 subsection 7b77#a7-- 7,a7 by r$esignat+ subp>agraphs 7,b7 & 7,c7 z subp>agraphs 7,c7 & 7,d71 respectively2 7,b7 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 produce1 /ore1 & 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 7,c7 9 subp>agraph 7,c71 z s r$esignat$1 by /rik+ & at ! end2 7,d7 9 subp>agraph 7,d71 z s r$esignat$1 by /rik+ ! p]iod at ! end & ins]t+ 1 & includ+ ! mo/ curr5t & mo/ appropriate remote s5s+ or o!r geospatial mapp+ te*nology22 7,e7 by add+ at ! end ! foll[+3 7,e7 :5 appropriate1 p>tn] ) o!r ,f$]al ag5cies1 ,/ates1 communities1 & private entities 9 ord] to meet ! objectives ( ! program2 & 7,f7 :5 appropriate1 consult & coord9ate ) ! ,secret>y ( ,def5se1 ! ,director ( ! ,unit$ ,/ates ,geological ,survey1 & ! ,adm9i/rator ( ! ,national ,oceanic & ,atmosph]ic ,adm9i/ration to obta9 ! mo/ up-to-date maps & o!r in=mation ( ^? ag5cies1 includ+ in=mation relat+ to topography1 wat] fl[1 wat]%$ *>act]i/ics1 & any o!r issues t are relevant to id5tify+1 review+1 updat+1 ma9ta9+1 & publi%+ ,national ,flood ,insurance ,program rate maps4 2 7#b7 by ins]t+ aft] subsection 7e7 ! foll[+ new subsection3 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 ( #bjai1 ! ,adm9i/rator1 9 consultation ) ! ,te*nical ,mapp+ ,advisory ,c\ncil1 %all e/abli%1 z "p ( a national /ructure inv5tory1 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 2 7#c7 by ins]t+ aft] subsection 7k71 z add$ by ! prec$+ provisions ( ?is ,act1 ! foll[+3 7l7 ,annual report ,! ,adm9i/rator1 9 coord9ation ) ! ,te*nical ,mapp+ ,advisory ,c\ncil e/abli%$ "u section #ajjbae ( ?is ,act1 %all submit to ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives & ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate an annual report reg>d+ progress a*iev$ 9 ! mapp+ program "u ?is section1 includ+ ! digital display & /ructure-specific in=mation requir$ "u subsection 7f71 :i* %all include recomm5dations to r$uce ! co/ & improve ! implem5tation ( t subsection4 4 7c7 ,future flood risk ,section #ajjbaf7;d7 ( ! ,bigg]t-,wat]s ,flood ,insurance ,re=m ,act ( #bjab 7#db ,u4,s4,c4 #daja;b7 is am5d$ by add+ at ! end ! foll[+3 7#c7 ,future flood risk ,! ,adm9i/rator %all1 9 consultation ) ! ,te*nical ,mapp+ ,c\ncil e/abli%$ "u section #ajjbae1 provide f9ancial & te*nical assi/ance to communities to incorporate future flood haz>d conditions z an in=mational lay] on _! ,flood ,insurance ,rate ,maps4 4 #bje4 ,appeals reg>d+ exi/+ flood maps 7a7 ,9 g5]al ,section #acfj ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #daja7 is am5d$ by add+ at ! end ! foll[+ new subsection3 7k7 ,appeals ( exi/+ maps 7#a7 ,"r to appeal ,a ,/ate or local gov]nm5t1 or ! own] or lessee ( real prop]ty1 :o has made a =mal reque/ to ! ,adm9i/rator to update a flood map t ! ,adm9i/rator has d5i$ may at any "t appeal su* a d5ial z provid$ 9 ?is subsection4 7#b7 ,basis = appeal ,! basis = appeal "u ?is subsection %all be ! possession ( k or in=mation t-- 7,a7 ! base flood elevation level or designation ( any aspect ( a flood map is sci5tifically or te*nically inaccurate2 or 7,b7 factors exi/ t mitigate ! risk ( flood+1 includ+ dit*es1 banks1 walls1 vegetation1 levees1 lakes1 dams1 res]voirs1 bas91 ret5tion ponds1 & o!r natural or manmade topographical features4 7#c7 ,appeals process 7,a7 ,adm9i/rative adjudication ,an appeal "u ?is subsection %all be det]m9$ by a f9al adjudication on ! record1 & aft] opportunity = an adm9i/rative he>+4 7,b7 ,rights ^u adv]se decision ,if an appeal pursuant to subp>agraph 7,a7 does n result 9 a decision 9 favor ( ! ,/ate1 local gov]nm5t1 own]1 or lessee1 su* p>ty may appeal ! adv]se decision to ! ,sci5tific ,resolution ,panel provid$ = 9 section #acfc;,a1 :i* %all recomm5d a non-b9d+ decision to ! ,adm9i/rator4 7#d7 ,relief 7,a7 ,:olly successful appeals ,9 ! case ( a successful appeal result+ 9 a policyhold]'s prop]ty be+ remov$ f a special flood haz>d area1 su* policyhold] may cancel ! policy at any "t )9 ! curr5t policy ye>1 & ! ,adm9i/rator %all provide su* policyhold] a refund 9 ! am\nt ( any premiums paid = su* policy ye>1 plus any premiums paid = flood insurance cov]age t ! policyhold] 0 requir$ to pur*ase or ma9ta9 dur+ ! #b-ye> p]iod prec$+ su* policy ye>4 7,b7 ,p>tially successful appeals ,9 ! case ( any appeal 9 :i* mitigat+ factors 7 det]m9$ to h r$uc$1 b n elim9at$1 ! risk ( flood+1 ! ,adm9i/rator %all r$uce ! am\nt ( flood insurance cov]age requir$ to be ma9ta9$ = ! prop]ty conc]n$ by ! ratio ( ! successful portion ( ! appeal z comp>$ to ! entire appeal4 ,! ,adm9i/rator %all refund to ! policyhold] any paym5ts made 9 excess ( ! am\nt necess>y = su* new cov]age am\nt1 effective f ! "t :5 ! mitigat+ factor 0 creat$ or ! beg9n+ ( ! second policy ye> prec$+ ! det]m9ation ( ! appeal1 :i*ev] occurr$ lat]4 7,c7 ,additional relief ,! ,adm9i/rator may provide additional refunds 9 excess ( ! am\nts specifi$ 9 subp>agraphs 7,a7 & 7,b7 if ! ,adm9i/rator det]m9es t su* additional am\nts are w>rant$4 7#e7 ,recov]y ( co/s ,:51 incid5t to any appeal :i* is successful 9 :ole or "p reg>d+ ! designation ( ! base flood elevation or any aspect ( ! flood map1 includ+ elevation or designation ( a special flood haz>d area1 ! community1 or ! own] or lessee ( real prop]ty1 z ! case may be1 incurs exp5se 9 connection ) ! appeal1 includ+ s]vices provid$ by surveyors1 eng9e]s1 & sci5tific exp]ts1 ! ,adm9i/rator %all reimburse su* individual or community = reasonable exp5ses to an ext5t measur$ by ! ratio ( ! successful portion ( ! appeal z comp>$ to ! entire appeal1 b n includ+ legal s]vices1 9 ! effect+ ( an appeal bas$ on a sci5tific or te*nical error on ! "p ( ! ,f$]al ,em]g5cy ,managem5t ,ag5cy4 ,no reimbursem5t %all be made by ! ,adm9i/rator 9 respect to any fee or exp5se paym5t1 ! paym5t ( :i* 0 agre$ to be cont+5t ^u ! result ( ! appeal4 ,! ,adm9i/rator may use su* am\nts f ! ,national ,flood ,insurance ,fund e/abli%$ "u section #acaj z may be necess>y to c>ry out ?is p>agraph4 7#f7 ,guidance ,! ,adm9i/rator %all issue guidance to implem5t ?is subsection1 :i* %all n be subject to ! notice & comm5t requirem5ts "u section #eec ( title #e1 ,unit$ ,/ates ,code4 4 7b7 ,deadl9e ,! ,adm9i/rator ( ! ,f$]al ,em]g5cy ,managem5t ,ag5cy %all issue ! guidance ref]r$ to section #acfj7k77#f7 ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #daja7k77#g771 z add$ by ! am5dm5t made by subsection 7a7 ( ?is section1 n lat] ?an ! expiration ( ! #f-mon? p]iod beg9n+ on ! date ( ! enactm5t ( ?is ,act4 #bjf4 ,appeals & publication ( project$ special flood haz>d areas 7a7 ,appeals ,section #acfc ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #dajd7 is am5d$-- 7#a7 9 subsection 7b71 by /rik+ ! second s5t5ce & ins]t+ ! foll[+3 ,any own] or lessee ( real prop]ty )9 ! community :o believes ! own]'s or lessee's rights to be adv]sely affect$ by ! ,adm9i/rator's propos$ det]m9ation may appeal su* det]m9ation to ! local gov]nm5t no lat] ?an #ij days aft] ! date ( ! second publication42 7#b7 9 subsection 7d71 by /rik+ subsection 7e7 & ins]t+ subsection 7f72 7#c7 by r$esignat+ subsections 7e71 7f71 & 7g7 z subsections 7f71 7g71 & 7h71 respectively2 & 7#d7 by ins]t+ aft] subsection 7d7 ! foll[+ new subsection3 7e7 ,det]m9ation by ,adm9i/rator 9 ! abs5ce ( appeals ,if ! ,adm9i/rator has n receiv$ any appeals1 ^u expiration ( ! #ij-;day appeal p]iod e/abli%$ "u subsection 7b7 ( ?is section ! ,adm9i/rator's propos$ det]m9ation %all become f9al4 ,! community %all be giv5 a reasonable "t aft] ! ,adm9i/rator's f9al det]m9ation 9 :i* to adopt local l& use & control measures consi/5t ) ! ,adm9i/rator's det]m9ation4 4 7b7 ,publication ,subsection 7a7 ( section #acfc ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #dajd7;a77 is am5d$ by /rik+ 9 ! ,f$]al ,regi/]4 #bjg4 ,communication & outrea* reg>d+ map *anges ,p>agraph 7#a7 ( section #ajjbaf7;d7 ( ! ,bigg]t-,wat]s ,flood ,insurance ,re=m ,act ( #bjab 7#db ,u4,s4,c4 #daja;b7d77#a77 is am5d$-- 7#a7 9 subp>agraph 7,b71 by ins]t+ maximum be=e #cj-;day p]iod2 & 7#b7 9 subp>agraph 7,c71 by ins]t+ maximum be=e #cj-;day p]iod4 #bjh4 ,adoption ( p>tial flood maps ,subsection 7f7 ( section #acfj ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #daja7;f77 is am5d$ by add+ at ! end ! foll[+ new flu% matt]3 ,panels ( ! revis$ flood insurance rate maps = :i* no appeal has be5 submitt$ dur+ ! #ij-;day p]iod ref]r$ to 9 subsection 7b7 %all be consid]$ f9al4 4 #bji4 ,new zone = levee-impact$ areas ,section #acfj ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #daja71 z am5d$ by ! prec$+ provisions ( ?is ,act1 is fur!r am5d$ by add+ at ! end ! foll[+3 7l7 ,levee-,impact$ areas 7#a7 ,9 g5]al ,subject to full implem5tation ( subp>agraphs 7,a77iii7 & 7,b7 ( section #ajjbaf7;b77#a7 ( ! ,bigg]t-,wat]s ,flood ,insurance ,re=m ,act ( #bjab 7#db ,u4,s4,c4 #daja;b7b77#a77 & not)/&+ any o!r provision ( law1 if a community applies to ! ,adm9i/rator = ! remapp+ ( a levee-impact$ area 9 :i* ! p]t95t levee sy/em fails to meet ! m9imum design1 op]ation1 & ma9t5ance /&>ds ( ! ,national ,flood ,insurance ,program requir$ = levee accr$itation on a flood insurance rate map 9 accordance ) ! ,levee ,analysis ,mapp+ ,proc$ure initiat$ by ! ,adm9i/rator to replace ! )\t levees approa* to a ,flood ,insurance ,/udy1 ! ,adm9i/rator %all-- 7,a7 e/abli% flood risk zones = ^? levee-impact$ areas on su* maps1 to be kn[n z ,,al-,e zones1 t h an e/abli%$ elevation = community floodpla9 managem5t2 & 7,b7 make flood insurance available to prop]ties locat$ )9 ^? levee-impact$ areas4 7#b7 ,transition ,dur+ ! p]iod beg9n+ on ! date ( enactm5t ( ?is subsection & end+ on ! date on :i* ! ,adm9i/rator develops rates = ! v>i\s ,,al-,e zones1 a /ructure locat$ 9 a portion ( a community t is locat$ )9 a levee-impact$ area describ$ 9 p>agraph 7#a7 %all be eligible = rates associat$ ) areas ( mod]ate flood haz>ds4 4 #baj4 ,agricultural /ructures 9 special flood haz>d zones 7a7 ,requirem5ts = ,/ate & local l& use controls ,subsection 7a7 ( section #acae ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #djbb7;a77 is am5d$ by add+ at ! end ! foll[+ new p>agraph3 7#c7 ,all[able local v>iances = c]ta9 agricultural /ructures 7,a7 ,requirem5t ,not)/&+ any o!r provision ( ?is ,act-- 7i7 ! l& use & control measures adopt$ pursuant to p>agraph 7#a7 may n1 = purposes ( su* p>agraph1 be consid]$ to be inadequate or inconsi/5t ) ! compreh5sive crit]ia = l& managem5t & use "u section #acfa because su* measures provide t1 9 ! case ( any agricultural /ructure t is locat$ 9 an area hav+ special flood haz>ds1 a v>iance f compliance ) ! requirem5ts to elevate or floodpro( su* a /ructure & meet+ ! requirem5ts ( subp>agraph 7,b7 may be grant$2 & 7ii7 ! ,adm9i/rator may n susp5d a community f p>ticipation 9 ! national flood insurance program1 or place su* a community on probation "u su* program1 because su* l& use & control measures provide = su* a v>iance4 ,?is subp>agraph %all n limit ! ability ( ! ,adm9i/rator to take en=cem5t action aga9/ a community t does n adopt adequate v>iance crit]ia or e/abli% prop] en=cem5t me*anisms4 7,b7 ,v>iance2 consid]ations ,! requirem5ts ( ?is subp>agraph ) respect to a v>iance are z foll[s3 7i7 ,! v>iance is grant$ by an (ficial f a duly con/itut$ ,/ate or local zon+ au?ority1 or o!r au?oriz$ public body responsible = regulat+ l& developm5t or occupancy 9 flood-prone areas4 7ii7 ,9 ! case ( new con/ruction1 su* (ficial has det]m9$-- 7,i7 t nei!r floodpro(+ nor elevation ( ! new /ructure to ! base flood elevation is practicable2 & 7,,ii7 t ! /ructure is n locat$ 9-- 7aa7 a designat$ regulatory floodway2 7bb7 an area riv]w>d ( a levee or o!r flood control /ructure2 or 7cc7 an area subject to high velocity wave action or seaw>d ( flood control /ructures4 7iii7 ,9 ! case ( exi/+ /ructures-- 7,i7 if su* /ructure is sub/antially damag$ or 9 ne$ ( sub/antial repairs or improvem5ts1 su* (ficial has det]m9$ t nei!r floodpro(+ nor elevation to ! base flood elevation is practicable2 & 7,,ii7 if su* /ructure is locat$ )9 a designat$ regulatory floodway1 su* (ficial has det]m9$ t ! repair or improvem5t does n result 9 any increase 9 base flood levels dur+ ! base flood dis*>ge4 7iv7 ,su* (ficial has det]m9$ t ! v>iance w n result 9 increas$ flood heights1 additional ?reats to public safety1 extraord9>y public exp5se1 create nuisances1 cause fraud on or victimization ( ! public1 or conflict ) exi/+ local laws or ord9ances4 7v7 ,n m ?an "o claim paym5t exce$+ #a1jjj has be5 made = ! /ructure "u flood insurance cov]age "u ?is title )9 any p]iod ( #aj consecutive ye>s at any "t prior to ! grant+ ( ! v>iance4 7,c7 ,def9itions ,= purposes ( ?is p>agraph1 ! foll[+ def9itions %all apply3 7i7 ,agricultural /ructure ,! t]m agricultural /ructure has ! mean+ giv5 su* t]m 9 p>agraph 7#b77;,d74 7ii7 ,floodpro(+ ,! t]m floodpro(+ means1 ) respect to a /ructure1 any comb9ation ( /ructural & non-/ructural additions1 *anges1 or adju/m5ts to ! /ructure1 includ+ att5dant utilities & equipm5t1 t r$uce or elim9ate pot5tial flood damage to real e/ate or improv$ real prop]ty1 wat] & sanit>y facilities1 /ructures1 or _! cont5ts4 4 7b7 ,premium rates ,section #acjh ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #djae7 is am5d$ by add+ at ! end ! foll[+ new subsection3 7n7 ,premium rates = c]ta9 agricultural /ructures ) v>iances ,not)/&+ any o!r provision ( ?is ,act1 ! *>geable premium rate = cov]age "u ?is title = any /ructure provid$ a v>iance pursuant to section #acae7;a77#c7 %all be ! same z ! rate t o!rwise w\ld apply to su* /ructure if ! /ructure _h be5 dry floodpro($ or a comp>able actu>ial rate bas$ ^u ! risk associat$ ) /ructures )9 ! applicable ,,al-,e zone e/abli%$ "u section #acfj7l74 4 #baa4 ,te*nical ,mapp+ ,advisory ,c\ncil ,p>agraph 7#a7 ( section #ajjbae7;b7 ( ! ,bigg]t-,wat]s ,flood ,insurance ,re=m ,act ( #bjab 7#db ,u4,s4,c4 #daja;a7b77#a77 is am5d$-- 7#a7 by r$esignat+ subp>agraphs 7,a7 ?r\gh 7,e7 z subp>agraphs 7,b7 ?r\gh 7,f71 respectively2 7#b7 by ins]t+ be=e subp>agraph 7,b71 z s r$esignat$ by subp>agraph 7,a7 ( ?is p>agraph1 ! foll[+ new subp>agraph3 7,a7 ! ,director ( ! ,unit$ ,/ates ,geological ,survey2 2 & 7#c7 9 subp>agraph 7,f71 z s r$esignat$ by p>agraph 7#a7 ( ?is section-- 7,a7 9 ! matt] prec$+ clause 7i71 by /rik+ #af & ins]t+ #ag2 7,b7 9 clause 7xiii71 by /rik+ & at ! end2 7,c7 9 clause 7xiv71 by /rik+ ! p]iod at ! end & ins]t+ 2 &2 & 7,d7 by add+ at ! end ! foll[+ new clause3 7xv7 a memb] ( a recogniz$ pr(essional real e/ate brok]age association4 4 ,,iii ,mitigation #cja4 ,increas$ co/ ( compliance cov]age ,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 respectively2 7#b7 by r$esignat+ p>agraphs 7#a7 ?r\gh 7#c7 z subp>agraphs 7,a7 ?r\gh 7,c71 respectively 7& by adju/+ ! m>g9s accord+ly72 7#c7 9 subp>agraph 7,c7 z s r$esignat$1 by /rik+ ! p]iod at ! end & ins]t+ a semicolon2 7#d7 by r$esignat+ p>agraph 7#d7 z subp>agraph 7,e7 7& by adju/+ ! m>g9 accord+ly72 7#e7 by ins]t+ aft] subp>agraph 7,c71 z s r$esignat$1 ! foll[+3 7,d7 prop]ties id5tifi$ by ! ,adm9i/rator z priorities = mitigation activities be=e ! occurr5ce ( damage to or loss ( prop]ty :i* is cov]$ by flood insurance2 & 2 7#f7 by ins]t+ be=e ,! national flood insurance program ! foll[+32 7#a7 ,9 g5]al 4 7#g7 by /rik+ ,! ,adm9i/rator & ins]t+ ! foll[+3 7#b7 ,premium ,! ,adm9i/rator 2 & 7#h7 by add+ at ! end ! foll[+ new p>agraphs3 7#c7 ,am\nt ( 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#d7 ,eligible mitigation activities 7,a7 ,9 g5]al ,eligible mitigation me?ods ! co/ ( :i* is cov]$ by cov]age provid$ "u ?is subsection %all include-- 7i7 alt]native me?ods ( mitigation id5tifi$ 9 ! guidel9es issu$ pursuant to section #acfa7;d72 7ii7 pre-disa/] mitigation projects = eligible /ructures 7z su* t]m is def9$ 9 subp>agraph 7,c772 & 7iii7 co/s associat$ ) ! pur*ase1 cle>+1 & /abilization ( prop]ty t is "p ( an acquisition or relocation program t complies ) subp>agraph 7,b74 7,b7 ,acquisition & relocation project eligibility & requirem5ts 7i7 ,9 g5]al ,an acquisition or relocation project %all be eligible to receive assi/ance pursuant to subp>agraph 7,a77iii7 only if-- 7,i7 any prop]ty acquir$1 accept$1 or f :i* a /ructure w be remov$ %all be d$icat$ & ma9ta9$ 9 p]petuity = a use t is compatible ) op5 space1 recreational1 or wetl&s managem5t practices2 & 7,,ii7 any new /ructure erect$ on su* prop]ty w be-- 7aa7 a public facility t is op5 on all sides & functionally relat$ to a designat$ op5 space2 7bb7 a re/room2 or 7cc7 a /ructure t ! ,adm9i/rator approves 9 writ+ be=e ! comm5cem5t ( ! con/ruction ( ! /ructure4 7ii7 ,fur!r assi/ance ,if an acquisition or relocation project is assi/$ pursuant to subp>agraph 7,a77iii7-- 7,i7 no p]son may apply to a ,f$]al entity = disa/] assi/ance ) reg>d to any prop]ty acquir$1 accept$1 or f :i* a /ructure 0 remov$ z "p ( su* acquisition or relocation project2 & 7,,ii7 no ,f$]al entity may provide disa/] assi/ance = su* prop]ty4 7iii7 ,requirem5t to ma9ta9 flood insurance cov]age 7,i7 ,9 g5]al ,not)/&+ any o!r provision ( law1 any assi/$ /ructure 7z su* t]m is def9$ 9 subclause 7,,iii77 %all1 at all times1 ma9ta9 insurance aga9/ flood damage1 9 accordance ) ,f$]al law1 = ! life ( su* /ructure4 7,,ii7 ,transf] ( prop]ty 7aa7 ,duty to notify ,if any "p ( a prop]ty on :i* an assi/$ /ructure is locat$ is transf]r$1 ! transf]or %all1 n lat] ?an ! date on :i* su* transf] occurs1 notify ! transf]ee 9 writ+1 includ+ 9 all docum5ts evid5c+ ! transf] ( own]%ip ( ! prop]ty ( ! requirem5ts1 t su* transf]ee is requir$ to-- 7,,aa7 obta9 flood insurance 9 accordance ) applicable ,f$]al law ) respect to su* assi/$ /ructure1 if su* /ructure is n s insur$ on ! date on :i* ! /ructure is transf]r$2 & 7,,bb7 ma9ta9 flood insurance 9 accordance ) applicable ,f$]al law ) respect to su* /ructure4 7bb7 ,failure to notify ,if a transf]or fails to make a notification 9 accordance ) item 7aa7 & su* assi/$ /ructure is damag$ by a flood disa/]1 ! transf]or %all pay ! ,f$]al ,gov]nm5t an am\nt equal to ! am\nt ( any disa/] relief provid$ by ! ,f$]al gov]nm5t ) respect to su* assi/$ /ructure4 7,,iii7 ,assi/$ /ructure def9$ ,= ! purposes ( ?is clause1 ! t]m assi/$ /ructure means a /ructure on prop]ty t is "p ( an acquisition or relocation project assi/$ pursuant to subp>agraph 7,a7 t 01 z "p ( su* acquisition or relocation project-- 7aa7 alt]$2 7bb7 improv$2 7cc7 replac$2 7dd7 repair$2 or 7ee7 re/or$4 7,c7 ,eligible /ructure def9$ ,= purposes ( ?is p>agraph1 ! t]m eligible /ructure means any /ructure t-- 7i7 0 con/ruct$ 9 compliance ) ! ,flood ,insurance ,rate ,map & local build+ & zon+ codes 9 effect at ! date ( con/ruction ( ! /ructure2 & 7ii7 has n previ\sly be5 alt]$1 improv$1 replac$1 or repair$ us+ assi/ance provid$ "u ?is subsection4 7#e7 ,treatm5t ( cov]age limits ,any am\nt ( cov]age = a prop]ty provid$ pursuant to ?is subsection %all n be consid]$ or c\nt$ = purposes ( any limitation on cov]age applicable to su* prop]ty "u section #acjf7;b7 7#db ,u4,s4,c4 #djac7;b77 & any claim on su* cov]age %all n be consid]$ a claim = purposes ( section #acjg7;h7 or subsection 7a77#c7 or 7h77#c7 ( section #acff4 7#f7 ,implem5tation ,not)/&+ any o!r provision ( law1 ! ,adm9i/rator may implem5t ?is subsection by adopt+ "o or m /&>d endorsem5ts to ! ,/&>d ,flood ,insurance ,policy by publication ( su* /&>ds 9 ! ,f$]al ,regi/]1 or by comp>able means4 4 #cjb4 ,multiple-loss prop]ties 7a7 ,f9ancial assi/ance ,section #acfa ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #dajb7 is am5d$ by add+ at ! end ! foll[+ new subsection3 7e7 ,multiple-loss prop]ties ,9 mak+ det]m9ations reg>d+ f9ancial assi/ance "u ! au?orities ( ?is ,act1 ! ,adm9i/rator may consid] ! ext5t to :i* a community is work+ to rem$y problems ) address+ multiple-loss prop]ties4 4 7b7 ,def9itions ,subsection 7a7 ( section #acgj ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #daba7 is am5d$-- 7#a7 by r$esignat+ p>agraphs 7#h7 ?r\gh 7#ae7 z p>agraphs 7#aa7 ?r\gh 7#ah71 respectively2 & 7#b7 by /rik+ p>agraph 7#g7 & ins]t+ ! foll[+ new p>agraphs3 7#g7 ,multiple-loss prop]ty ,! t]m multiple-loss prop]ty means any prop]ty t is a repetitive-loss prop]ty1 a sev]e repetitive-loss prop]ty1 or an extreme repetitive-loss prop]ty4 7#h7 ,repetitive-loss prop]ty ,! t]m repetitive-loss prop]ty means a /ructure t has incurr$ flood-relat$ damage = :i* #b or m sep>ate claims paym5ts ( any am\nt 9 excess ( ! loss-d$uctible = damage to ! cov]$ /ructure h be5 made "u flood insurance cov]age "u ?is title4 7#i7 ,sev]e repetitive-loss prop]ty ,! t]m sev]e repetitive-loss prop]ty means a /ructure t has incurr$ flood-relat$ damage = :i*-- 7,a7 #d or m sep>ate claims paym5ts h be5 made "u flood insurance cov]age "u ?is title1 ) ! am\nt ( ea* su* claim exce$+ #e1jjj1 & ) ! cumulative am\nt ( su* claims paym5ts exce$+ #bj1jjj2 or 7,b7 at lea/ #b sep>ate claims paym5ts h be5 made "u flood insurance cov]age "u ?is title1 ) ! cumulative am\nt ( su* claims paym5ts exce$+ ! value ( ! /ructure4 7#aj7 ,extreme repetitive-loss prop]ty ,! t]m extreme repetitive-loss prop]ty means a /ructure t has incurr$ flood-relat$ damage = :i* at lea/ #b sep>ate claims h be5 made "u flood insurance cov]age "u ?is title1 ) ! cumulative am\nt ( su* claims paym5ts exce$+ #aej p]c5t ( ! maximum cov]age am\nt available = ! /ructure4 4 7c7 ,con=m+ am5dm5ts ,! ,national ,flood ,insurance ,act ( #aifh is am5d$-- 7#a7 9 section #acjd7;b77#a77;,a7 7#db ,u4,s4,c4 #djaa7;b77#a77;,a771 z am5d$ by section #cja ( ?is ,act1 by /rik+ repetitive loss /ructures & ins]t+ repetitive-loss prop]ties2 7#b7 9 section #acjg 7#db ,u4,s4,c4 #djad7-- 7,a7 9 subsection 7a77#b77;,b71 by /rik+ repetitive loss prop]ty & ins]t+ repetitive-loss prop]ty2 7,b7 9 subsection 7g77#b77;,b71 by /rik+ clauses 7i7 & 7ii7 & ins]t+ ! foll[+3 7i7 an extreme repetitive-loss prop]ty2 or 7ii7 a sev]e repetitive-loss prop]ty4 2 7,c7 by /rik+ subsection 7h72 & 7,d7 by r$esignat+ subsection 7i71 z add$ by ! prec$+ provisions ( ?is ,act1 z subsection 7h72 7#c7 9 section #acae7;a77#b77;,a77i7 7#db ,u4,s4,c4 #djbb7;a77#b77;,a77i771 by /rik+ repetitive loss /ructure & ins]t+ repetitive-loss prop]ty2 & 7#d7 9 section #acff 7#db ,u4,s4,c4 #dajd;c7-- 7,a7 9 subsection 7a77#b71 by /rik+ repetitive loss /ructures & ins]t+ repetitive-loss prop]ties2 7,b7 9 subsection 7c77#b77;,a77ii71 by /rik+ repetitive loss /ructures & ins]t+ multiple-loss prop]ties2 7,c7 9 subsection 7d7-- 7i7 9 p>agraph 7#a7-- 7,i7 9 ! p>agraph head+1 by /rik+ repetitive loss /ructures & ins]t+ repetitive-loss & extreme repetitive loss prop]ties2 & 7,,ii7 9 ! matt] prec$+ subp>agraph 7,a71 by /rik+ repetitive loss /ructures & ins]t+ repetitive-loss prop]ties or extreme repetitive-loss prop]ties2 & 7ii7 9 p>agraph 7#b7-- 7,i7 9 ! p>agraph head+1 by /rik+ ,repetitive loss /ructures & ins]t+ ,repetitive-loss prop]ties2 & 7,,ii7 by /rik+ repetitive loss /ructures & ins]t+ repetitive-loss prop]ties2 & 7,d7 9 subsection 7h71 by /rik+ p>agraphs 7#b7 & 7#c74 #cjc4 ,premium rates = c]ta9 mitigat$ prop]ties 7a7 ,mitigation /rategies ,p>agraph 7#a7 ( section #acfa7;d7 ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #dajb7;d77#a77 is am5d$-- 7#a7 9 subp>agraph 7,a71 by /rik+ & at ! end2 7#b7 9 subp>agraph 7,b71 by /rik+ & at ! end2 & 7#c7 by ins]t+ aft] subp>agraph 7,b7 ! foll[+ new subp>agraphs3 7,c7 ) respect to build+s 9 d5se urban environm5ts1 me?ods t c be deploy$ on a block or neighborhood scale2 & 7,d7 elevation ( me*anical or o!r critical sy/ems2 & 4 7b7 ,mitigation cr$it ,subsection 7k7 ( section #acjh ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #djae7k77 is am5d$-- 7#a7 by /rik+ %all take into acc\nt & ins]t+ ! foll[+3 %all-- 7#a7 take into acc\nt 2 7#b7 9 p>agraph 7#a71 z s designat$ by ! am5dm5t made by p>agraph 7#a7 ( ?is subsection1 by /rik+ ! p]iod at ! end & ins]t+ 2 &2 & 7#c7 by add+ at ! end ! foll[+ new p>agraph3 7#b7 (f] a r$uction ( ! risk premium rate *>g$ to a policyhold]1 z det]m9$ by ! ,adm9i/rator1 if ! policyhold] implem5ts any mitigation me?od describ$ 9 p>agraph 7#a74 4 #cjd4 ,cov]age = coop]atives 7a7 ,equal treatm5t ) condom9iums ,section #acjf ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #djac71 z am5d$ by ! prec$+ provisions ( ?is ,act is fur!r am5d$ by add+ at ! end ! foll[+3 7f7 ,coop]ative build+s ,not)/&+ any o!r provision ( law1 ! ,adm9i/rator %all make flood insurance cov]age available to any individual ) a memb]%ip int]e/ & occupancy agreem5t 9 a coop]ative h\s+ project on ! same t]ms z any own] ( a condom9ium4 4 7b7 ,paym5t ( claims ,section #acab ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #djai7 is am5d$-- 7#a7 9 subsection 7c7-- 7,a7 by /rik+ flood insurance to condom9ium own]s & ins]t+ ! foll[+3 flood insurance-- 7#a7 to condom9ium own]s 2 & 7,b7 by /rik+ ! p]iod at ! end & ins]t+ 2 or2 & 7,c7 by add+ at ! end ! foll[+3 7#b7 to individuals ) a memb]%ip int]e/ & occupancy agreem5t 9 a coop]ative h\s+ project :o pur*as$ su* flood insurance sep>ate & ap>t f ! flood insurance pur*as$ by ! coop]ative association 9 :i* su* individual is a memb]1 bas$ solely1 or 9 any "p1 on ! flood insurance cov]age ( ! coop]ative association or o!rs on ! ov]all prop]ty own$ by ! coop]ative association4 2 & 7#b7 by add+ at ! end ! foll[+3 7d7 ,def9itions ,= purposes ( ?is section & section #acjf7;e71 ! t]ms coop]ative association & coop]ative h\s+ project %all h su* mean+ z ! ,secret>y %all provide4 4 #cje4 ,volunt>y community-bas$ flood insurance pilot program 7a7 ,e/abli%m5t ,! ,adm9i/rator ( ! ,f$]al ,em]g5cy ,managem5t ,ag5cy 79 ?is section ref]r$ to z ! 8,adm9i/rator07 %all c>ry out a community-bas$ flood insurance pilot program to make available1 = pur*ase by p>ticipat+ communities1 a s+le1 community-wide flood insurance policy "u ! ,national ,flood ,insurance ,program t-- 7#a7 cov]s all resid5tial & non-resid5tial prop]ties )9 ! community2 & 7#b7 satisfies1 = all su* prop]ties )9 ! community1 ! m&atory pur*ase requirem5ts "u section #ajb ( ! ,flood ,disa/] ,protection ,act ( #aigc 7#db ,u4,s4,c4 #djab;a74 7b7 ,p>ticipation ,p>ticipation by a community 9 ! pilot program "u ?is section %all be at ! sole discretion ( ! community4 7c7 ,requirem5ts ,= ,community-,wide ,policies ,! ,adm9i/rator %all ensure t a community-wide flood insurance policy made available "u ! pilot program "u ?is section incorporates ! foll[+ requirem5ts3 7#a7 ,a mapp+ requirem5t = prop]ties cov]$ by ! policy4 7#b7 ,a d$uctible4 7#c7 ,c]tification or accr$itation ( mitigation infra/ructure :5 available & appropriate4 7#d7 ,a community audit4 7#e7 ,a me?od ( prev5t+ r$undant claims paym5ts by ! ,national ,flood ,insurance ,program 9 ! case ( a claim by an individual prop]ty own] :o is cov]$ by a community-wide flood insurance policy & an individual policy obta9$ ?r\gh ! ,program4 7#f7 ,cov]age = damage aris+ f flood+ t complies ) ! /&>ds "u ! ,national ,flood ,insurance ,program appropriate to ! nature & type ( prop]ty cov]$4 7d7 ,tim+ ,! ,adm9i/rator %all e/abli% ! demon/ration program "u ?is section n lat] ?an ! expiration ( ! #ahj-;day p]iod beg9n+ on ! date ( ! enactm5t ( ?is ,act & ! program %all t]m9ate on ,septemb] #cj1 #bjbb4 7e7 ,def9ition ( community ,= purposes ( ?is section1 ! t]m 8community0 means any unit ( local gov]nm5t1 )9 ! mean+ giv5 su* t]m "u ! laws ( ! applicable ,/ate4 #cjf4 ,mitigation fund+ ,= ea* ( ! fir/ #e fiscal ye>s beg9n+ aft] foll[+ ! date ( ! enactm5t ( ?is ,act1 !re is au?oriz$ to be appropriat$ #bjj1jjj1jjj to c>ry out ! flood mitigation assi/ance grant program "u section #acff ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #dajd;c74 #cjg4 ,community ,rat+ ,sy/em improvem5ts 7a7 ,provision ( community rat+ sy/em premium cr$its to maximum numb] ( communities practicable ,subsection 7b7 ( section #acae ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #djbb7;b77 is am5d$-- 7#a7 9 p>agraph 7#b71 by /rik+ may & ins]t+ %all2 & 7#b7 9 p>agraph 7#c71 by ins]t+ 1 & ! ,adm9i/rator %all provide cr$its to ! maximum numb] ( communities practicable aft] "u ?is program4 7b7 ,grants = ,community ,rat+ ,sy/em program coord9ators ,section #acae ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #djbb7 is am5d$ by add+ at ! end ! foll[+ new subsection3 7c7 ,grants = ,community ,rat+ ,sy/em program coord9ators 7#a7 ,au?ority ,! ,adm9i/rator %all c>ry out a program to make grants to consortia ( ,/ates & communities = use only = co/s ( employ+ or o!rwise reta9+ an individual or individuals to coord9ate & c>ry out responsibilities relat+ to p>ticipation 9 ! community rat+ sy/em program "u subsection 7b7 = ,/ates & communities t are memb]s ( su* consortia4 7#b7 ,eligibility ,! ,adm9i/rator %all e/abli% su* crit]ia z ! ,adm9i/rator consid]s appropriate = a consortium ( ,/ates & communities to be eligible = grants "u ?is subsection1 :i* %all include requir+ a consortium to provide evid5ce to ! ,adm9i/rator t ! consortium has suffici5t au?ority & adm9i/rative capability to use grant am\nts 9 accordance ) ?is subsection on behalf ( its memb] jurisdictions4 7#c7 ,tim+ ,a consortium receiv+ a grant "u ?is section %all e/abli% ! position or positions describ$ 9 p>agraph 7#a71 & employ or o!rwise reta9 an individual or individuals to fill su* position or positions1 n lat] ?an ! date t all su* grant am\nts are exp5d$4 7#d7 ,applications ,! ,adm9i/rator %all provide = consortia ( ,/ates & communities to submit applications = grants "u ?is subsection1 :i* %all include-- 7,a7 ! evid5ce ref]r$ to 9 p>agraph 7#b72 7,b7 su* assurances z ! ,adm9i/rator %all require to ensure compliance ) ! requirem5t "u p>agraph 7#c72 7,c7 su* assurances z ! ,adm9i/rator %all require to ensure t ! consortia w provide fund+ suffici5t to cont9ue ! position or positions fund$ ) ! grant am\nts1 9 ! same annual am\nt z "u su* grant fund+1 aft] su* grant funds are exp5d$2 & 7,d7 su* o!r in=mation z ! ,adm9i/rator may require4 7#e7 ,selection ,f among eligible consortia ( ,/ates & communities submitt+ applications pursuant to p>agraph 7#c71 ! ,adm9i/rator %all select consortia to receive grants "u ?is subsection 9 accordance ) su* competitive crit]ia = su* section z ! ,adm9i/rator %all e/abli%4 7#f7 ,def9ition ( community ,= purposes ( ?is section1 ! t]m community has ! mean+ giv5 su* t]m 9 section #acff7;h7 7#db ,u4,s4,c4 #dajd;c7h771 except t su* t]m includes c\nties & regional plann+ au?orities t d n h zon+ & build+ code jurisdiction4 7#g7 ,au?orization ( appropriations ,!re is au?oriz$ to be appropriat$ = grants "u ?is subsection-- 7,a7 #g1jjj1jjj = ! fir/ fiscal ye> comm5c+ aft] ! expiration ( ! #d-mon? p]iod beg9n+ on ! date ( ! enactm5t ( ?is ,act2 & 7,b7 #g1jjj1jjj = ea* ( ! f\r consecutive fiscal ye>s !reaft]4 4 #cjh4 ,community assi/ance program = effective floodpla9 managem5t 7a7 ,9 g5]al ,*apt] ,i ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #djaa et seq471 z am5d$ by ! prec$+ provisions ( ?is ,act1 is fur!r am5d$ by add+ at ! end ! foll[+3 #acbg4 ,community assi/ance program = effective floodpla9 managem5t 7a7 ,9 g5]al ,! ,adm9i/rator %all e/abli% a community assi/ance program "u ?is section to increase ! capacity & capability ( ,/ates1 ,indian tribes1 & communities to effectively manage flood risk & p>ticipate 9 ! national flood insurance program1 includ+ ! community rat+ sy/em program "u section #acae7;b71 by provid+ f9ancial & te*nical assi/ance to ,/ates1 tribes & communities4 7b7 ,compon5ts ,! community assi/ance program "u ?is program %all include-- 7#a7 mak+ community assi/ance grants "u subsection 7c7 to ,/ates2 7#b7 conduct+ p]iodic assessm5ts1 n less (t5 ?an once e #e ye>s1 ( ! te*nical assi/ance & tra9+ ne$s ( ,/ates1 ,indian tribes1 & communities2 7#c7 provid+ te*nical assi/ance & tra9+ to ,/ates1 ,indian tribes1 & communities 9 accordance ) ! ne$s id5tifi$ by su* assessm5ts2 7#d7 conduct+ p]iodic reviews ( ,/ate1 ,indian tribe1 & community floodpla9 managem5t /&>ds by ! ,adm9i/rator to promote cont9u\s improvem5t 9 build+ & ma9ta9+ effective ,/ate floodpla9 managem5t programs 7z su* t]m is def9$ 9 subsection 7d772 7#e7 conduct+ p]iodic e/imates ( ! losses avoid$ nationally due to ! adoption ( qualify+ floodpla9 managem5t /&>ds by ,/ates1 ,indian tribes & communities2 7#f7 9 coord9ation ) ea* ,/ate receiv+ a grant "u subsection 7c71 develop+ & execut+ a /rategy to-- 7,a7 provide te*nical & f9ancial assi/ance to communities1 includ+ small & rural communities1 & ,indian tribes )9 ! ,/ate2 & 7,b7 enc\rage great] p>ticipation 9 ! community rat+ sy/em program2 & 7#g7 e/abli%+ goals = ,/ates p>ticipat+ 9 ! program & inc5tives = exce$+ su* goals4 7c7 ,community assi/ance grants to ,/ates 7#a7 ,9 g5]al ,"u ! program "u ?is section ! ,adm9i/rator may aw>d grants to ,/ates1 :i* %all be us$ only-- 7,a7 to increase ! capacity & capability ( ! ,/ate & communities & ,indian tribes 9 ! ,/ate to effectively manage flood risk & to fully p>ticipate 9 ! national flood insurance program1 includ+ ! community rat+ sy/em program2 & 7,b7 = activities relat$ to implem5tation1 adm9i/ration1 ov]sight1 & en=cem5t ( ! national flood insurance program at ! ,/ate & local & tribal levels4 7#b7 ,guidel9es ,! ,adm9i/rator %all e/abli% guidel9es gov]n+ ! use ( grant funds "u ?is subsection1 includ+ sett+ =? activities eligible to be fund$ ) su* am\nts4 7#c7 ,eligibility ,to be eligible to receive a grant "u ?is subsection1 a ,/ate %all-- 7,a7 demon/rate1 to ! satisfaction ( ! ,adm9i/rator1 t ! ,/ate has 9 effect qualify+ ,/ate floodpla9 managem5t /&>ds = ! ,/ate2 7,b7 agree to submit su* reports1 c]tifications1 & in=mation to ! ,adm9i/rator z ! ,adm9i/rator %all require1 includ+ ^? requir$ "u p>agraph 7#e72 & 7,c7 meet any additional eligibility requirem5ts z ! ,adm9i/rator may require4 7#d7 ,application2 selection crit]ia ,! ,adm9i/rator %all provide = ,/ates to submit applications = grants "u ?is subsection1 :i* %all include su* in=mation1 assurances1 & c]tifications z ! ,adm9i/rator may require1 & may e/abli% crit]ia = selection ( qualify+ applications to be select$ = grants "u ?is subsection4 7#e7 ,ongo+ review ( floodpla9 managem5t /&>ds ,ea* ,/ate t is aw>d$ funds "u ?is section %all provide p]iodic reports1 c]tifications1 & in=mation reg>d+ ! floodpla9 managem5t /&>ds ( su* ,/ate z ! ,adm9i/rator may require = ! duration ( ! use ( grant am\nts4 7d7 ,def9itions ,= purposes ( ?is section3 7#a7 ,indian tribe ,! t]m ,indian tribe has ! mean+ giv5 su* t]m 9 section #d ( ! ,native ,am]ican ,h\s+ ,assi/ance & ,self-,det]m9ation ,act ( #aiif 7#be ,u4,s4,c4 #dajc74 7#b7 ,qualify+ ,/ate floodpla9 managem5t /&>ds ,! t]m qualify+ ,/ate floodpla9 managem5t /&>ds means ! floodpla9 managem5t /&>ds ( a ,/ate t-- 7,a7 are specifically au?oriz$ "u ,/ate law & d n conflict ) or inhibit ! implem5tation ( ! ,national ,flood ,insurance ,act ( #aifh2 7,b7 designate an entity responsible = coord9at+ ! national flood insurance program 9 ! ,/ate2 7,c7 id5tify ,/ate res\rces & programs to manage floodpla9s & r$uce flood risk2 7,d7 address on a long-t]m basis-- 7i7 integration ( floodpla9 managem5t activities ) o!r ,/ate functions & activities2 7ii7 id5tification ( flood haz>ds2 7iii7 managem5t ( natural floodpla9 functions & res\rces2 7iv7 elim9ation ( adv]se impacts ( developm5t on ! floodpla92 7v7 flood mitigation & recov]y /rategies = ! ,/ate2 7vi7 /rategies = in=m+ communities & citiz5s ab\t flood risk & mitigation options2 & 7vii7 measures = evaluat+ ! effectiv5ess ( ,/ate floodpla9 managem5t ef=ts2 7,e7 include a long-t]m plan t w facilitate ! prioritization & provision ( tra9+ & te*nical assi/ance to communities & ,indian tribes 9 ! ,/ate to increase local & tribal capacity & capability = floodpla9 managem5t1 includ+ ! capacity & capability to p>ticipate 9 ! national flood insurance program & ! community rat+ sy/em program2 7,f7 provide = ov]sight1 adm9i/ration & en=cem5t ( ! national flood insurance program at ! ,/ate & community levels2 & 7,g7 meet su* o!r requirem5ts z ! ,adm9i/rator may e/abli%4 7e7 ,fund+ 7#a7 ,au?orization ( appropriations ,!re is au?oriz$ to be appropriat$ #bj1jjj1jjj = ea* ( fiscal ye>s #bjai ?r\gh #bjbd = ! ,national ,flood ,insurance ,fund = c>ry+ out ?is section4 ,any am\nts appropriat$ pursuant to ?is subsection %all rema9 available until exp5d$4 7#b7 ,set-asides ,f any am\nts made available = grants "u ?is section1 ! ,adm9i/rator may res]ve su* am\nt z ! ,adm9i/rator consid]s appropriate-- 7,a7 = community assi/ance grants "u subsection 7c7 to ,/ates2 & 7,b7 = additional assi/ance only = ,/ates exce$+ ! goals e/abli%$ pursuant to subsection 7b77#h74 4 7b7 ,use ( ,national ,flood ,insurance ,fund am\nts ,subsection 7a7 ( section #acaj ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #djag7;a77 is am5d$-- 7#a7 9 p>agraph 7#g71 by /rik+ & at ! end2 7#b7 9 p>agraph 7#h71 by /rik+ ! p]iod at ! end & ins]t+ 2 &2 & 7#c7 by add+ at ! end ! foll[+3 7#i7 = c>ry+ out ! community assi/ance program = effective floodpla9 managem5t "u section #acbg4 4 ,,iv ,mod]nization #dja4 ,effect ( private flood insurance cov]age on cont9u\s cov]age requirem5ts ,section #acjh ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #djae71 z am5d$ by ! prec$+ provisions ( ?is ,act1 is fur!r am5d$ by add+ at ! end ! foll[+3 7o7 ,effect ( ,private ,flood ,insurance ,cov]age on ,cont9u\s ,cov]age ,requirem5ts ,= purposes ( apply+ any /atutory1 regulatory1 or adm9i/rative cont9u\s cov]age requirem5t1 includ+ "u section #acjg7;g77#a71 ! ,adm9i/rator %all consid] any p]iod dur+ :i* a prop]ty 0 cont9u\sly cov]$ by a flood insurance policy1 ei!r (f]$ ?r\gh ! national flood insurance program or private m>ket1 t 0 us$ to satisfy ! requirem5ts "u section #ajb7;a7 ( ! ,flood ,disa/] ,protection ,act ( #aigc 7#db ,u4,s4,c4 #djab;a7a77 to be a p]iod ( cont9u\s cov]age4 4 #djb4 ,optional cov]age = umbrella policies ,subsection 7b7 ( section #acjf ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #djac7;b771 is am5d$-- 7#a7 9 p>agraph 7#d71 by /rik+ & at ! end2 7#b7 9 p>agraph 7#e71 by /rik+ ! p]iod at ! end & ins]t+ 2 &2 & 7#c7 by add+ at ! end ! foll[+ new p>agraph3 7#f7 ! ,adm9i/rator may provide t1 9 ! case ( any comm]cial prop]ty or o!r resid5tial prop]ty1 includ+ multifamily r5tal prop]ty & agricultural prop]ty1 "o umbrella policy be made available to e insur$ ^u r5ewal & e applicant ) multiple /ructures on ! same prop]ty1 except t-- 7,a7 pur*ase ( su* cov]age %all be at ! option ( ! insur$2 & 7,b7 any su* cov]age %all be made available only at *>geable rates t are n less ?an ! e/imat$ premium rates = su* cov]age det]m9$ 9 accordance ) section #acjg7;a77#a74 4 #djc4 ,annual indep5d5t actu>ial /udy ,"p ,c ( *apt] ,,ii ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #djha et seq47 is am5d$ by add+ at ! end ! foll[+ new section3 #acdi4 ,annual indep5d5t actu>ial /udy ,! ,adm9i/rator %all provide = an indep5d5t actu>ial /udy ( ! ,national ,flood ,insurance ,program to be conduct$ annually1 :i* %all analyze ! f9ancial position ( ! ,program4 ,! ,adm9i/rator %all submit a report annually to ! ,congress describ+ ! results ( su* /udy & assess+ ! f9ancial /atus ( ! ,program4 ,! report %all recomm5d adju/m5ts to und]writ+ /&>ds1 program p>ticipation1 or premiums1 if necess>y1 to ensure t ! ,program rema9s f9ancially s\nd4 ,! report %all also include an evaluation ( ! quality control proc$ures & accuracy ( in=mation utiliz$ 9 ! process ( und]writ+ ,national ,flood ,insurance ,program policies4 ,su* evaluation %all include a review ( ! risk *>act]i/ics ( policies4 4 #djd4 ,%>+ ( & access to in=mation 7a7 ,9 g5]al ,section #acac ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #djbj7 is am5d$-- 7#a7 by ins]t+ aft] ! section enum]ator ! foll[+3 7a7 ,availability to public & ,/ate ag5cies4--2 & 7#b7 by add+ at ! end ! foll[+ new subsections3 7b7 ,ex*ange ( ,,nfip & private flood insurance policy & claims in=mation ,! ,adm9i/rator may provide to ea* private insur] t sells cov]age t meets1 at a m9imum1 ! def9ition ( private flood insurance "u section #ajb7;b7 ( ! ,flood ,disa/] ,protection ,act ( #aigc 7#db ,u4,s4,c4 #djab;a7b771 curr5t & hi/orical prop]ty-specific in=mation t is available to ! ,adm9i/ration on flood insurance program cov]age1 flood damage assessm5ts1 & paym5t ( claims1 b only if ! foll[+ conditions are met3 7#a7 ,ea* private insur] receiv+ su* data %all provide to ! ,adm9i/rator curr5t & hi/orical prop]ty-specific in=mation1 g5]at$ ?r\gh ! sale ( ! flood insurance t meets su* def9ition ( private flood insurance1 by ! private insur] on flood insurance cov]age1 flood damage assessm5ts1 & paym5t ( claims4 7#b7 ,su* in=mation obta9$ "u p>agraph %all be made available z requir$ by subsections 7c7 & 7d74 7c7 ,home[n] access to ,,nfip & private policy & claims in=mation ,^u reque/ by ! curr5t own] ( a prop]ty1 ! ,adm9i/rator %all provide to ! own] any curr5t & hi/orical in=mation available to ! ,adm9i/rator1 includ+ in=mation obta9$ "u subsection 7b77#a71 on insurance cov]age1 damage assessm5ts1 & paym5t ( claims conc]n+ su* prop]ty ( ! own]4 ,9 addition1 ! ,adm9i/rator %all provide in=mation ! ,adm9i/rator may h on :e!r ! prop]ty own] may be requir$ to pur*ase flood insurance cov]age due to previ\s receipt ( f$]al disa/] assi/ance1 includ+ assi/ance provid$ by ! ,small ,bus9ess ,adm9i/ration1 ! ,dep>tm5t ( ,h\s+ & ,urban ,developm5t1 ! ,f$]al ,em]g5cy ,managem5t ,ag5cy1 or any o!r type ( assi/ance subject to ! m&atory pur*ase requirem5t "u section #ajb ( ! ,flood ,disa/] ,protection ,act ( #aigc4 7d7 ,homebuy] access to flood insurance in=mation ,not)/&+ section #eeb;a7b7 ( title #e1 ,unit$ ,/ates ,code1 n lat] ?an #ad days aft] a reque/ = su* in=mation by a buy] "u contract = pur*ase ( a prop]ty1 ! ,adm9i/rator %all provide to ! buy] ! foll[+ in=mation3 7#a7 ,! numb] & doll> value ( claims fil$ = ! prop]ty1 ov] ! life ( ! prop]ty1 "u a flood insurance policy made available "u ?is title4 7#b7 ,su* o!r available in=mation ab\t ! prop]ty z det]m9$ by ! ,adm9i/rator to accurately & adequately *>act]ize ! true flood risk to ! prop]ty4 7#c7 ,a notice to ! recipi5t ( ! in=mation t ! in=mation provid$ may only be utiliz$ by ! recipi5t alone & only = ! purposes ( homebuy+4 4 7b7 ,effective date ,subsection 7d7 ( section #acac ( ! ,national ,flood ,insurance ,act ( #aifh1 z add$ by ! am5dm5t made by subsection 7a77#b7 ( ?is section1 %all take effect beg9n+ ^u ! expiration ( ! #ab-mon? p]iod t beg9s on ! date ( ! enactm5t ( ?is ,act4 #dje4 ,elevation c]tificates ,*apt] ,i ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #djaa et seq471 z am5d$ by ! prec$+ provisions ( ?is ,act1 is fur!r am5d$ by add+ at ! end ! foll[+3 #acbh4 ,elevation c]tificates ,survey$ elevation data & o!r in=mation relat+ to a build+ t is record$ on a ,national ,flood ,insurance ,program ,elevation ,c]tificate by an individual lic5s$ to record t in=mation %all cont9ue to be 9 effect1 & ! ,elevation ,c]tificate %all n expire1 until ! date on :i* !re is an alt]ation 9 ! build+4 4 #djf4 ,lev]ag+ risk transf] opportunities = a s\nd f9ancial framework 7a7 ,9 g5]al ,subsection 7e7 ( section #acde ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #djha7;e77 is am5d$-- 7#a7 by /rik+ 7e7 ,risk transf]4--,! ,adm9i/rator & ins]t+ ! foll[+3 7e7 ,lev]ag+ risk transf] opportunities = a s\nd f9ancial framework 7#a7 ,au?ority ,! ,adm9i/rator 2 & 7#b7 by add+ at ! end ! foll[+3 7#b7 ,lev]ag+ risk transf] opportunities ,on an annual basis1 ! ,adm9i/rator %all evaluate c$+ a portion ( ! risk ( ! flood insurance program "u ?is title to ! private re9surance or capital m>kets1 or any comb9ation !re(1 if ! ,adm9i/rator det]m9es-- 7,a7 ! rates & t]ms are reasonable & appropriate2 & 7,b7 do+ s w\ld fur!r ! developm5t & ma9t5ance ( a s\nd f9ancial framework = ! ,national ,flood ,insurance ,program4 4 7b7 ,effective date ,! am5dm5ts made by subsection 7a7 %all become effective ^u ! expiration ( ! #ah-mon? p]iod t beg9s ^u ! date ( ! enactm5t ( ?is ,act4 #djg4 ,write-,y\r-,own arrangem5ts ,section #acde ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #djha7 is am5d$ by add+ at ! end ! foll[+ new subsections3 7f7 ,au?ority to t]m9ate ,write ,y\r ,own arrangem5ts ,! ,adm9i/rator may cancel any ,write ,y\r ,own 7z su* t]m is def9$ 9 section #ajjbjb7;a7 ( ! ,bigg]t-,wat]s ,flood ,insurance ,re=m ,act ( #bjab 7#db ,u4,s4,c4 #djjd77 arrangem5t 9 its entirety ^u #cj days writt5 notice to ! ,write ,y\r ,own company involv$ by c]tifi$ mail /at+ "o ( ! foll[+ reasons = su* cancellation3 7#a7 ,fraud or misrepres5tation by ! company aft] ! inception ( ! arrangem5t4 7#b7 ,nonpaym5t to ! ,adm9i/rator ( any am\nt due4 7#c7 ,mat]ial failure to comply ) ! requirem5ts ( ! arrangem5t or ) ! writt5 /&>ds1 proc$ures1 or guidance issu$ by ! ,adm9i/rator relat+ to ! ,national ,flood ,insurance ,program & applicable to ! company4 7g7 ,/&>diz$ fee au?ority ,! ,adm9i/rator may e/abli% & implem5t a /&>diz$ fee s*$ule = all eng9e]+ s]vices provid$ 9 connection ) flood insurance cov]age provid$ "u ?is title by means ( a ,write ,y\r ,own arrangem5t4 4 #djh4 ,/udy on increas+ p>ticipation 7a7 ,9 g5]al ,! ,comptroll] ,g5]al ( ! ,unit$ ,/ates %all conduct a /udy t proposes to address1 ?r\gh programmatic & regulatory *anges1 h[ to increase p>ticipation 9 flood insurance cov]age4 7b7 ,issues ,9 conduct+ ! /udy "u subsection 7a71 ! ,comptroll] ,g5]al %all consid] ! foll[+3 7#a7 ,exp&+ p>ticipation 9 flood insurance cov]age1 beyond areas hav+ special flood haz>ds1 to areas ( mod]ate or m9imal flood haz>d risk4 7#b7 ,automatically enroll+ consum]s 9 flood insurance :ile provid+ consum]s ! opportunity to decl9e enrollm5t4 7#c7 ,bundl+ flood insurance cov]age t div]sifies risk across all or multiple-p]il =ms4 7c7 ,det]m9ations ,9 conduct+ ! /udy "u subsection 7a71 ! ,comptroll] ,g5]al %all det]m9e ! foll[+3 7#a7 ,! p]c5tage ( prop]ties ) f$]ally back$ mortgages locat$ 9 an area hav+ special flood haz>ds t are cov]$ by flood insurance t satisfies ! requirem5t "u section #ajb7;b7 ( ! ,flood ,disa/] ,protection ,act ( #aigc 7#db ,u4,s4,c4 #djab;a7b774 7#b7 ,! p]c5tage ( prop]ties ) f$]ally back$ mortgages locat$ 9 ! #ejj-ye> floodpla9 t are cov]$ by flood insurance t w\ld satisfy ! requirem5t describ$ 9 p>agraph 7#a7 if t requirem5t appli$ to su* prop]ties4 7d7 ,report ,n lat] ?an #ah mon?s aft] ! date ( enactm5t ( ?is ,act1 ! ,comptroll] ,g5]al ( ! ,unit$ ,/ates %all submit a report on ! /udy conduct$ "u subsection 7a7 to ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives & ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate4 7e7 ,def9itions ,= purposes ( ?is section-- 7#a7 ! t]m #ejj-ye> floodpla9 has ! mean+ giv5 ! t]m 9 section #ajjbjb7;a7 ( ! ,bigg]t-,wat]s ,flood ,insurance ,re=m ,act ( #bjab 7#dj ,u4,s4,c4 #djjd7;a772 7#b7 ! t]ms ,f$]al ag5cy l5d]1 improv$ real e/ate1 & regulat$ l5d+ in/itution h ! mean+s giv5 su* t]ms 9 section #c7;a7 ( ! ,flood ,disa/] ,protection ,act ( #aigc 7#db ,u4,s4,c4 #djjc7;a772 & 7#c7 ! t]m prop]ty ) a f$]ally back$ mortgage means improv$ real e/ate or a mobile home secur+ a loan t 0-- 7,a7 made by a regulat$ l5d+ in/itution or ,f$]al ag5cy l5d]2 or 7,b7 pur*as$ by ! ,f$]al ,national ,mortgage ,association or ! ,f$]al ,home ,loan ,mortgage ,corporation4 ,octob] #bh1 #bjai ,report$ f ! ,committee on ,f9ancial ,s]vices ) an amendment,october #bh1 #bjai;,committee on ,transportation & ,infra/ructure dis*>g$2 committ$ to ! ,committee ( ! ,:ole ,h\se on ! ,/ate ( ! ,union & ord]$ to be pr9t$