,i  #aag? ,,congress  #a/ ,session  ,h4 
,r4 #biie  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,may #d1 #bjba,miss   
,rice ( ,new ,york 7= h]self & ,mr4     
,g>b>9o7 introduc$ ! foll[+ bill2 :i* 0 
ref]r$ to ! ,committee on ,f9ancial     
,s]vices  ,a ,,bill  ,to require a      
report reg>d+ ! pot5tial impacts ( any  
*anges to ! risk-rat+ me?odology = !    
,national ,flood ,insurance ,program ( !
 ,f$]al ,em]g5cy ,managem5t ,ag5cy be=e 
implem5tation1 & = o!r purposes4  #a4   
,%ort title ,?is ,act may be cit$ z !   
,national ,flood ,insurance ,program    
,report+ on ,impact to ,seabo>ds &      
,c\nties ,act ( #bjba or ! ,,nfip ,,risc
 ,act ( #bjba4  #b4 ,congressional f9d+s
 ,! ,congress f9ds t-- 7#a7 #cj p]c5t ( 
! population ( ! ,unit$ ,/ates & #ej    
p]c5t ( ! gross dome/ic product ( !     
,unit$ ,/ates is locat$ on ! ,atlantic  
coa/ or ! ,gulf ( ,mexico coa/1 areas   
frequ5tly hit by coa/al /orms &         
hurricanes2  7#b7 #ij p]c5t ( all       
natural disa/]s involve flood+2  7#c7   

all #ej ,/ates h exp]i5c$ floods & fla% 
floods betwe5 #bjae & #bjbj2  7#d7 9 mo/
 ,/ates1 enrollm5t 9 ! ,national ,flood 
,insurance ,program has decreas$ betwe5 
#ae & #ce p]c5t s9ce #bjaa2  7#e7 "s ( !
 poore/1 mo/ dis5fran*is$ populations   
live 9 floodpla9s because ! l& is *eap] 
& mov+ out ( su* areas is n a feasible  
solution2 &  7#f7 su* communities are   
significantly impact$ by floods & o!r   
extreme wea!r ev5ts & are (t5 less      
equipp$ to rebuild or relocate aft]w>ds4
  #c4 ,report on impacts ( *anges to    
flood insurance me?odology ,n lat] ?an  
#f mon?s be=e implem5t+ any *>geable    
premium rate = flood insurance cov]age  
pursuant to section #acjh ( ! ,national 
,flood ,insurance ,act ( #aifh t is     
relat$ to a *ange 9 flood-risk assessm5t
 me?odology1 ! ,adm9i/rator ( ! ,f$]al  
,em]g5cy ,managem5t ,ag5cy %all report  
on ! website ( ! ,ag5cy an analysis ( ! 
expect$ impacts ( su* result+ new rates 
on-- 7#a7 p>ticipation ( communities 9 !
 ,national ,flood ,insurance ,program2  

7#b7 *>geable premium rates = flood     
insurance cov]age "u su* ,program &     
e/imat$ rates = su* cov]age pursuant to 
section #acjg ( ! ,national ,flood      
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djad72  7#c7 *>geable premiums = v>i\s 
categories ( prop]ties1 includ+         
prop]ties pay+ less ?an risk base rate &
 prop]ties t are l[ income1 v l[ income1
 & extremely l[ income1 z def9$ by !    
,f$]al ,em]g5cy ,managem5t report to !  
,congress entitl$ ,an ,af=dability      
,framework = ! ,national ,flood         
,insurance ,program1 releas$ ,april #ag1
 #bjah 7,release ,numb] ,,hq-#ah-jce72  
7#d7 ,national ,flood ,insurance        
,program policyhold]s1 includ+ annual   
premium increases & decreases2  7#e7 !  
ext5t to :i* ! numb] ( flood insurance  
claims on a prop]ty w influ5ce !        
prop]ty's rat+2  7#f7 ! f9ances ( !     
,national ,flood ,insurance ,program2   
7#g7 ! community rat+ sy/em & flood     
haz>d area mapp+1 includ+ ! fund+ = su* 
sy/ems1 public communications ( any su* 

*anges1 & floodpla9 managem5t proc$ures2
  7#h7 flood mitigation programs1       
includ+ *anges to flood mitigation grant
 programs result+ f a *ange 9 rat+      
me?odology2  7#i7 replacem5t co/ value1 
due to fluctuations 9 premium prices2 & 
7#aj7 ! results & conclusions ( ! report
 specifi$ 9 p>agraph 7#c7 ( ?is section4
  #d4 ,p&emic protection ,! ,adm9i/rator
 ( ! ,f$]al ,em]g5cy ,managem5t ,ag5cy  
may n implem5t any *anges to !          
flood-risk assessm5t me?odology = !     
,national ,flood ,insurance ,program--  
7#a7 dur+ ! effective p]iod ( ! em]g5cy 
decl>$ by ! ,presid5t on ,m>* #ac1      
#bjbj1 pursuant to section #eja7;b7 ( ! 
,rob]t ,t4 ,/af=d ,disa/] ,relief &     
,em]g5cy ,assi/ance ,act 7#db ,u4,s4,c4 
#eaba7;b771 relat+ to ! ,coronavirus    
,disease #bjai 7,,covid-#ai72 or  7#b7  
dur+ ! #f-mon? p]iod t beg9s ^u !       
t]m9ation ( su* effective p]iod4