,i  #aaf? ,,congress  #b;d ,session  ,h4
 ,r4 #eggf  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,febru>y #f1 #bjbj,mr4
 ,blum5au] 7= himself1 ,mr4 ,ku/(f (    
,t5nessee1 ,mrs4 ,wagn]1 & ,mr4         
,mc,adams7 introduc$ ! foll[+ bill2 :i* 
0 ref]r$ to ! ,committee on ,f9ancial   
,s]vices  ,a ,,bill  ,to am5d !         
,national ,flood ,insurance ,act ( #aifh
 to ensure community acc\ntability =    
areas repetitively damag$ by floods1 & =
 o!r purposes4  #a4 ,%ort title ,?is    
,act may be cit$ z ! ,repeat$ly ,flood$ 
,communities ,prep>ation ,act4  #b4     
,community acc\ntability = repetitively 
flood$ areas  7a7 ,9 g5]al ,section     
#acfa ( ! ,national ,flood ,insurance   
,act ( #aifh 7#db ,u4,s4,c4 #dajb7 is   
am5d$ by add+ at ! end ! foll[+3  7e7   
,community acc\ntability = repeat$ly    
damag$ areas  7#a7 ,def9itions ,9 ?is   
subsection-- 7,a7 ! t]m cov]$ community 
means a community--  7i7 t is p>ticipat+
 9 ! national flood insurance program "u
 section #acae2 &  7ii7 )9 :i* are      

locat$--  7,i7 n few] ?an #ej repetitive
 loss /ructures ) respect to ea* ( :i*1 
dur+ any #aj-ye> p]iod1 !re h be5 n few]
 ?an #b claims = paym5ts "u flood       
insurance cov]age = a total am\nt t is m
 ?an #a1jjj2  7,,ii7 n few] ?an #e sev]e
 repetitive loss /ructures = :i*        
mitigation activities meet+ ! /&>ds =   
approval "u section #acff7;c77#b77;,a7 h
 n be5 conduct$2 or  7,,iii7 a public   
facility or a private nonpr(it facility 
t has receiv$ assi/ance = repair1       
re/oration1 recon/ruction1 or replacem5t
 "u section #djf ( ! ,rob]t ,t4 ,/af=d  
,disa/] ,relief & ,em]g5cy ,assi/ance   
,act 7#db ,u4,s4,c4 #eagb7 relat+ to m  
?an #a flood+ ev5t dur+ ! mo/ rec5t     
#aj-ye> p]iod2  7,b7 ! t]ms private     
nonpr(it facility & public facility h ! 
mean+s giv5 ^? t]ms 9 section #ajb ( !  
,rob]t ,t4 ,/af=d ,disa/] ,relief &     
,em]g5cy ,assi/ance ,act 7#db ,u4,s4,c4 
#eabb72 &  7,c7 ! t]m sev]e repetitive  
loss /ructure has ! mean+ giv5 ! t]m 9  
section #acff7;h74  7#b7 ,requirem5ts = 

cov]$ communities ,! ,adm9i/rator %all1 
by regulation1 require a cov]$ community
 to--  7,a7 det]m9e ! areas )9 ! cov]$  
community 9 :i* prop]ties describ$ 9    
p>agraph 7#a77;,a77ii7 or flood-damag$  
facilities are locat$ 9 ord] to id5tify 
areas t are repeat$ly damag$ by floods2 
7,b7 assess1 ) assi/ance f !            
,adm9i/rator1 ! cont9u+ risks to !      
repeat$ly damag$ areas id5tifi$ "u      
subp>agraph 7,a72  7,c7 develop a       
community-specific plan = mitigat+      
cont9u+ flood risks to ! repeat$ly      
damag$ areas id5tifi$ "u subp>agraph    
7,a72  7,d7 submit ! plan describ$ 9    
subp>agraph 7,c7 & any plan updates to !
 ,adm9i/rator at appropriate int]vals2  
7,e7 implem5t ! plan describ$ 9         
subp>agraph 7,c72 &  7,f7 subject to    
section #eeb;a ( title #e1 ,unit$ ,/ates
 ,code1 make ! plan describ$ 9          
subp>agraph 7,c71 any updates to ! plan1
 & reports on progress 9 r$uc+ flood    
risk available to ! public4  7#c7       
,incorporation into exi/+ plans ,a cov]$

 community may incorporate a plan       
develop$ "u p>agraph 7#b77;,c7 into a   
mitigation plan develop$ "u--  7,a7     
section #acff2 &  7,b7 section #cbb ( ! 
,rob]t ,t4 ,/af=d ,disa/] ,relief &     
,em]g5cy ,assi/ance ,act 7#db ,u4,s4,c4 
#eafe74  7#d7 ,assi/ance to communities 
7,a7 ,data ,to assi/ a cov]$ community 9
 develop+ a plan requir$ "u p>agraph    
7#b77;,c71 ! ,adm9i/rator %all1 ^u      
reque/1 provide ! cov]$ community )     
appropriate data reg>d+ ! prop]ty       
addresses & dates ( claims associat$ )  
insur$ prop]ties )9 ! cov]$ community4  
7,b7 ,mitigation grants ,9 mak+ a       
det]m9ation reg>d+ f9ancial assi/ance "u
 ?is ,act1 ! ,adm9i/rator may consid] ! 
ext5t to :i* a cov]$ community--  7i7   
has compli$ ) ?is subsection2 &  7ii7 is
 work+ to rem$y problems ) respect to   
repeat$ly flood$ areas4  7#e7 ,sanctions
  7,a7 ,9 g5]al ,! ,adm9i/rator may1 by 
regulations issu$ 9 accordance ) !      
proc$ures requir$ "u section #eec (     
title #e1 ,unit$ ,/ates ,code1 impose   

appropriate sanctions on a cov]$        
community t fails to--  7i7 comply ) ?is
 subsection2 or  7ii7 make suffici5t    
progress 9 r$uc+ ! flood risks to areas 
9 ! cov]$ community t are repeat$ly     
damag$ by floods4  7,b7 ,notice  7i7 ,9 
g5]al ,be=e impos+ any sanctions "u ?is 
p>agraph1 ! ,adm9i/rator %all provide ! 
cov]$ community t is subject to !       
sanctions ) notice ( ! violation t may  
subject ! cov]$ community to !          
sanctions4  7ii7 ,cont5ts ,! notice     
requir$ "u clause 7i7 %all include      
recomm5dations = actions t ! cov]$      
community receiv+ ! notice may take 9   
ord] to br+ ! cov]$ community into      
compliance4  7,c7 ,consid]ations ,9     
det]m9+ appropriate sanctions to impose 
"u ?is p>agraph1 ! ,adm9i/rator %all    
consid] ! res\rces available to ! cov]$ 
community t is subject to ! sanctions1  
includ+--  7i7 any ,f$]al fund+ receiv$ 
by ! cov]$ community2  7ii7 ! portion ( 
! cov]$ community t lies )9 an area hav+
 special flood haz>ds2 &  7iii7 any o!r 

factor t makes x difficult = ! cov]$    
community to conduct mitigation         
activities = flood-prone /ructures4     
7#f7 ,reports to ,congress ,n lat] ?an  
#f ye>s aft] ! date ( enactm5t ( ?is    
subsection1 & n less frequ5tly ?an once 
e #b ye>s !reaft]1 ! ,adm9i/rator %all  
submit to ,congress a report reg>d+ !   
progress made by cov]$ communities )    
respect to implem5t+ plans develop$ "u  
p>agraph 7#b77;,c74  4  7b7 ,regulations
 ,n lat] ?an #a ye> aft] ! date (       
enactm5t ( ?is ,act1 ! ,adm9i/rator ( ! 
,f$]al ,em]g5cy ,managem5t ,ag5cy %all  
issue regulations necess>y to c>ry out  
subsection 7e7 ( section #acfa ( !      
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #dajb71 z add$ by       
subsection 7a7 ( ?is section4