,i  #aagth ,,congress  #ast ,session    
,h4 ,r4 #biie  ,,in ,,the ,,house ,,of  
,,representatives  ,may #d1 #bjba,miss  
,rice of ,new ,york 7for herself and    
,mr4 ,garbarino7 introduced the         
following bill2 which was referred to   
the ,committee on ,financial ,services  
,a ,,bill  ,to require a report         
regarding the potential impacts of any  
changes to the risk-rating methodology  
for the ,national ,flood ,insurance     
,program of the ,federal ,emergency     
,management ,agency before              
implementation1 and for other purposes4 
#a4 ,short title ,this ,act may be cited
 as the ,national ,flood ,insurance     
,program ,reporting on ,impact to       
,seaboards and ,counties ,act of #bjba  
or the ,,nfip ,,risc ,act of #bjba4  #b4
 ,congressional findings ,the ,congress 
finds that-- 7#a7 #cj percent of the    
population of the ,united ,states and   
#ej percent of the gross domestic       
product of the ,united ,states is       
located on the ,atlantic coast or the   

,gulf of ,mexico coast1 areas frequently
 hit by coastal storms and hurricanes2  
7#b7 #ij percent of all natural         
disasters involve flooding2  7#c7 all   
#ej ,states have experienced floods and 
flash floods between #bjae and #bjbj2   
7#d7 in most ,states1 enrollment in the 
,national ,flood ,insurance ,program has
 decreased between #ae and #ce percent  
since #bjaa2  7#e7 some of the poorest1 
most disenfranchised populations live in
 floodplains because the land is cheaper
 and moving out of such areas is not a  
feasible solution2 and  7#f7 such       
communities are significantly impacted  
by floods and other extreme weather     
events and are often less equipped to   
rebuild or relocate afterwards4  #c4    
,report on impacts of changes to flood  
insurance methodology ,not later than #f
 months before implementing any         
chargeable premium rate for flood       
insurance coverage pursuant to section  
#acjh of the ,national ,flood ,insurance
 ,act of #aifh that is related to a     

change in flood-risk assessment         
methodology1 the ,administrator of the  
,federal ,emergency ,management ,agency 
shall report on the website of the      
,agency an analysis of the expected     
impacts of such resulting new rates on--
 7#a7 participation of communities in   
the ,national ,flood ,insurance         
,program2  7#b7 chargeable premium rates
 for flood insurance coverage under such
 ,program and estimated rates for such  
coverage pursuant to section #acjg of   
the ,national ,flood ,insurance ,act of 
#aifh 7#db ,u4,s4,c4 #djad72  7#c7      
chargeable premiums for various         
categories of properties1 including     
properties paying less than risk base   
rate and properties that are low income1
 very low income1 and extremely low     
income1 as defined by the ,federal      
,emergency ,management report to the    
,congress entitled ,an ,affordability   
,framework for the ,national ,flood     
,insurance ,program1 released ,april    
#ag1 #bjah 7,release ,number            

,,hq-#ah-jce72  7#d7 ,national ,flood   
,insurance ,program policyholders1      
including annual premium increases and  
decreases2  7#e7 the extent to which the
 number of flood insurance claims on a  
property will influence the property's  
rating2  7#f7 the finances of the       
,national ,flood ,insurance ,program2   
7#g7 the community rating system and    
flood hazard area mapping1 including the
 funding for such systems1 public       
communications of any such changes1 and 
floodplain management procedures2  7#h7 
flood mitigation programs1 including    
changes to flood mitigation grant       
programs resulting from a change in     
rating methodology2  7#i7 replacement   
cost value1 due to fluctuations in      
premium prices2 and  7#aj7 the results  
and conclusions of the report specified 
in paragraph 7#c7 of this section4  #d4 
,pandemic protection ,the ,administrator
 of the ,federal ,emergency ,management 
,agency may not implement any changes to
 the flood-risk assessment methodology  

for the ,national ,flood ,insurance     
,program-- 7#a7 during the effective    
period of the emergency declared by the 
,president on ,march #ac1 #bjbj1        
pursuant to section #eja7;b7 of the     
,robert ,t4 ,stafford ,disaster ,relief 
and ,emergency ,assistance ,act 7#db    
,u4,s4,c4 #eaba7;b771 relating to the   
,coronavirus ,disease #bjai             
7,,covid-#ai72 or  7#b7 during the      
#f-month period that begins upon the    
termination of such effective period4