,,ii  #aaf? ,,congress  #a/ ,session    
,s4 #bagj  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,july #ah1 #bjai,mr4   
,wick] introduc$ ! foll[+ bill2 :i* 0   
read twice & ref]r$ to ! ,committee on  
,bank+1 ,h\s+1 & ,urban ,affairs  ,a    
,,bill  ,to am5d ! ,bigg]t-,wat]s ,flood
 ,insurance ,re=m ,act ( #bjab to make  
re=ms to flood mapp+ programs1 & = o!r  
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,municipality ,emp[]m5t    
,mapp+ ,a*ievem5t ,act ( #bjai or !     
,,mema ,act ( #bjai4  #b4 ,national     
,flood ,mapp+ ,program  7a7 ,9 g5]al    
,section #ajjbaf ( ! ,bigg]t-,wat]s     
,flood ,insurance ,re=m ,act ( #bjab    
7#db ,u4,s4,c4 #daja;b7 is am5d$--  7#a7
 9 subsection 7b77#a7-- 7,a7 9          
subp>agraph 7,a71 by /rik+ to-- & all t 
foll[s ?r\gh ! end ( clause 7vi7 &      
ins]t+ to all areas ( ! ,unit$ ,/ates22 
7,b7 9 subp>agraph 7,b71 by /rik+ & at !
 end2  7,c7 9 subp>agraph 7,c71 by /rik+
 accurate topography & all t foll[s     
?r\gh ! p]iod at ! end & ins]t+ curr5t &

 be/ remote s5s+ te*nology2 &2 &  7,d7  
by add+ at ! end ! foll[+3  7,d7 :5     
appropriate1 p>tn] ) o!r ,f$]al ag5cies 
& private entities 9 ord] to meet !     
objectives ( ! program4  2  7#b7 by     
r$esignat+ subsection 7f7 z subsection  
7g72 &  7#c7 by ins]t+ aft] subsection  
7e7 ! foll[+3  7f7 ,incorporat+         
build+-,specific flood risk in=mation   
7#a7 ,e/abli%m5t  7,a7 ,9 g5]al ,n lat] 
?an #e ye>s aft] ! date ( enactm5t ( !  
,municipality ,emp[]m5t ,mapp+          
,a*ievem5t ,act ( #bjai1 ! ,adm9i/rator1
 9 coord9ation )1 & z recomm5d$ by1 !   
,te*nical ,mapp+ ,advisory ,c\ncil1 %all
 e/abli% a dynamic1 database-d]iv$      
digital display environm5t = flood haz>d
 risk production & dissem9ation4  7,b7  
,consultation ) ,/ates & communities ,9 
design+ & con/ruct+ ! 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  7,a7
 ,9 g5]al ,9 c>ry+ out p>agraph 7#a71 ! 
,adm9i/rator %all create a digital      
display prompt$ ?r\gh dynamic qu]y+ ( a 
spatial1 relational build+ database t   
may n be publically dissem9at$ & t      
includes--  7i7 special flood haz>d     
areas & base flood elevations = purposes
 ( l5d] compliance ) ! requirem5ts "u   
section #ajb ( ! ,flood ,disa/]         
,protection ,act ( #aigc 7#db ,u4,s4,c4 
#djab;a72 &  7ii7 /ructure-specific     
flood risk in=mation1 includ+1 = ea*    
prop]ty address-- 7,i7 ! spatial        
footpr9t & elevation ( ! /ructure       
relative to special flood haz>d areas & 
base flood elevations2  7,,ii7 ! mo/    
curr5t elevation c]tificate applicable  
to ! prop]ty2  7,,iii7 any lett] ( map  
*anges2  7,,iv7 ! full risk premium rate
 e/imat$ = ! /ructure "u section        
#acjg7;a77#a7 ( ! ,national ,flood      
,insurance ,act ( #aifh 7#db ,u4,s4,c4  

#djad7;a77#a77 bas$ on elevation data2  
7,v7 ! disclosure describ$ 9 section    
#acjh7l7 ( ! ,national ,flood ,insurance
 ,act ( #aifh 7#db ,u4,s4,c4 #djae7l771 
:i* %all include--  7aa7 ! ext5t to :i*1
 if any1 ! *>geable premium rate        
applicable to ! prop]ty is less ?an !   
full risk premium rate "u section       
#acjg7;a77#a7 ( t ,act 7#db ,u4,s4,c4   
#djad7;a77#a772 &  7bb7 an explanation (
 ! diff]5ce describ$ 9 item 7aa7 & !    
me?odology us$ to rate ! prop]ty2       
7,,vi7 ! e/imat$ co/ to repair !        
/ructure 9 ! case ( damage f floods )   
recurr5ce int]vals rang+ f ! #aj p]c5t  
annual *ance ev5t to ! #j4b p]c5t annual
 *ance ev5t2  7,,vii7 ! co/-effectiv5ess
 ( mitigat+ ! /ructure us+ common me?ods
 & h[ ! *>geable premium rate w\ld *ange
 bas$ on ea* mitigation me?od2 &        
7,,viii7 ! claims hi/ory ( ! /ructure1  
includ+ ! am\nt & date ( ea* loss4  7,b7
 ,privacy requirem5ts ,) respect to !   
database describ$ 9 subp>agraph 7,a71   
includ+ any data us$ to create t        

database1 ! ,adm9i/rator may n          
dissem9ate ! database to--  7i7 !       
public2 or  7ii7 a private company = use
 by ! private company4  7#c7 ,database  
7,a7 ,9 g5]al ,! ,adm9i/rator %all-- 7i7
 develop a spatial1 relational database 
( build+s 9 ! national flood insurance  
program2 &  7ii7 obta9 ! data necess>y  
to support ! digital display creat$ "u  
p>agraph 7#b74  7,b7 ,data ,! data      
obta9$ "u subp>agraph 7,a7 %all include1
 at a m9imum--  7i7 footpr9ts &         
elevations 7includ+ l[e/ adjac5t grade &
 fir/ floor7 f ,light ,detection &      
,rang+ 7commonly kn[n z ,li,d,a,r7 data 
collections or o!r data collection      
me?ods t meet or exce$ ! /&>ds =        
build+s1 z det]m9$ by ! ,adm9i/rator2   
7ii7 elevation c]tificates2  7iii7      
p>cel1 address1 & imag]y data necess>y =
 ! id5tification1 assessm5t1 & r$uction 
( flood haz>ds = individual prop]ties2  
7iv7 flood insurance rate maps1 /udies1 
& support+ data2  7v7 lett]s ( map      
*ange2 &  7vi7 any o!r data t !         

,adm9i/rator det]m9es necess>y to       
collect to meet ! objectives ( ?is      
section4  7#d7 ,data procurem5t ,!      
,adm9i/rator %all obta9 any data        
necess>y to e/abli% ! environm5t "u     
p>agraph 7#a71 includ+ by--  7,a7       
direct+ communities p>ticipat+ 9 !      
,national ,flood ,insurance ,program1 by
 regulation1 to collect & supply        
in=mation1 includ+ elevation data1 = ea*
 /ructure t obta9s a con/ruction or o!r 
developm5t p]mit )9--  7i7 a special    
flood haz>d area2 or  7ii7 an advisory  
special flood haz>d area adopt$ by !    
community2  7,b7 issu+ guidel9es &      
/&>ds1 z det]m9$ by ! ,adm9i/rator2     
7,c7 p>tn]+ ) o!r ,f$]al1 ,/ate1 local1 
& private /akehold]s to ! greate/ ext5t 
possible to obta9 & %>e exi/+ data t    
meets or exce$s ! /&>ds det]m9$ by !    
,adm9i/rator "u subp>agraph 7,b72 &     
7,d7 contract+ ) private companies to   
obta9 new ,li,d,a,r data collections or 
elevation c]tificates4  7#e7 ,,nfip     
premium cr$it ,! ,adm9i/rator %all      

provide a #a-"t premium cr$it ( n m ?an 
#ejj to a policyhold] = ! pur*ase ( an  
elevation c]tificate4  7#f7 ,mass lett]s
 ( map *ange ,9 coord9ation ) ,/ates &  
communities t h successfully implem5t$ a
 dynamic1 database-d]iv$ digital display
 environm5t = flood haz>d risk          
production & dissem9ation1 !            
,adm9i/rator %all issue guidel9es = !   
adoption & integration into ! ,national 
,flood ,mapp+ ,program ( ,li,d,a,r-bas$ 
lett] ( map am5dm5t approa*es4  7#g7    
,annual report ,! ,adm9i/rator %all     
submit to ! ,committee on ,bank+1 ,h\s+1
 & ,urban ,affairs ( ! ,s5ate & !       
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives an annual       
progress report on ! implem5tation ( ?is
 subsection1 :i* %all include           
recomm5dations to r$uce ! co/ & improve 
! implem5tation ( ?is subsection4  4    
7b7 ,reimbursem5t au?ority ,section     
#acfj ( ! ,national ,flood ,insurance   
,act ( #aifh 7#db ,u4,s4,c4 #daja7 is   
am5d$ by add+ at ! end ! foll[+3  7k7   

,reimbursem5t au?ority ,) respect to any
 ,/ate or local ag5cy t assi/s !        
,adm9i/rator 9 c>ry+ out !              
responsibilities ( ! ,adm9i/rator "u    
subsection 7a77#b71 ! ,adm9i/rator may  
reimburse ! ,/ate or local ag5cy = ! co/
 ( provid+ t assi/ance if ! ,/ate or    
local ag5cy1 9 provid+ ! assi/ance1     
complies )--  7#a7 any /&>ds e/abli%$ by
 ! ,adm9i/rator "u ?is section2 &  7#b7 
! guidance docum5t entitl$ ,guidance =  
,flood ,risk ,analysis & ,mapp+3        
,physical ,map ,revision 7,,pmr71       
publi%$ by ! ,adm9i/rator 9 ,novemb]    
#bjaf4  4