,i #aag? ,,congress #b;d ,session ,h4 ,r4 #ghdb ,,9 ,,! ,,h\se ,,( ,,repres5tatives ,may #ai1 #bjbb,mr4 ,ca/5 7= himself & ,mr4 ,blum5au]7 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$ ,a ,,bill ,to am5d ! ,national ,flood ,insurance ,act ( #aifh to exp& opportunities = families liv+ 9 areas ( high flood risk to access ,f$]al assi/ance = volunt>y relocation1 & = o!r purposes4 #a4 ,%ort title ,?is ,act may be cit$ z ! ,protect+ ,families & ! ,solv5cy ( ! ,national ,flood ,insurance ,program ,act ( #bjbb4 #b4 ,volunt>y buy\ts 9 lieu ( flood claims ,section #acab ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #djai7 is am5d$ by add+ at ! end ! foll[+ new subsection3 7d7 ,exp$it$ volunt>y buy\ts 7#a7 ,exp$it$ assi/ance 9 lieu ( claims ,! ,adm9i/rator may provide = exp$it$ mitigation assi/ance = cases 9 :i* a policyhold] mak+ a claim ) respect to a prop]ty expresses int]e/ 9 a volunt>y buy\t 9 lieu ( a claims paym5t4 ,su* det]m9ations %all apply reg>dless ( location ( a prop]ty 9 relation to an area designat$ z an area hav+ special flood haz>ds4 7#b7 ,eligibility ,! ,adm9i/ration may provide exp$it$ assi/ance "u ?is subsection ) respect to a prop]ty only if bo? ( ! foll[+ requirem5ts h be5 met3 7,a7 ,prop]ty eligibility ,! insur$ prop]ty-- 7i7 has be5 id5tifi$ z a repetitive loss or sev]e repetitive loss prop]ty2 7ii7 has be5 designat$ by ! p>ticipat+ community z sub/antially damag$2 or 7iii7 w\ld o!rwise be fil+ a claim = ! maximum level ( cov]age4 7,b7 ,community eligibility ,! relevant community p>ticipat+ 9 ! national flood insurance program agrees to take title to ! prop]ty 9 accordance ) ! t]ms "u section #djd7;b7 ( ! ,rob]t ,t4 ,/af=d ,disa/] ,relief & ,em]g5cy ,assi/ance ,act 7#db ,u4,s4,c4 #eagj;c7b77 & has prioritiz$ mitigation to su* prop]ty or to ! area 9 :i* su* prop]ty is locat$ ?r\gh an appropriate action or plan1 z det]m9$ by ! ,adm9i/rator1 includ+-- 7i7 a repetitive loss area analysis plan conduct$ = & consi/5t ) crit]ia = ! community rat+ sy/em au?oriz$ "u section #acae7;b7 7#db ,u4,s4,c4 #djbb7;b772 7ii7 a locally adopt$ plan complet$ 9 compliance ) requirem5ts ( section #acfa7;e7 7#db ,u4,s4,c4 #dajb7;e772 7iii7 a locally adopt$ flood risk mitigation plan consi/5t ) ! requirem5ts ( section #acff7;b7 7#db ,u4,s4,c4 #dajd;c7b772 7iv7 an ongo+ local or ,/ate program = prop]ty buy\ts to address flood+ problems t con=ms ) su* requirem5t z ! ,adm9i/rator may e/abli%2 or 7v7 su* o!r action or plan z ! ,adm9i/rator may provide4 7#c7 ,long-t]m b5efits to ,fund ,:5ev] claims are fil$ & ! conditions "u p>agraph 7#b7 exi/1 ! ,adm9i/rator %all exp$iti\sly det]m9e1 consid]+ curr5t & future risks1 if a prop]ty buy\t w\ld result 9 long-t]m b5efits to ! ,national ,flood ,insurance ,fund4 ,= buy\ts det]m9$ to be b5eficial1 am\nts 9 ! ,national ,flood ,insurance ,fund may be us$ imm$iately to make acquisition (f]s "u ?is subsection 9 lieu ( full claims paym5ts4 ,su* (f]s may exce$ ! am\nt ( ! claim & %all comply ) requirem5ts = buy\t (f]s au?oriz$ "u section #djd ( ! ,rob]t ,t4 ,/af=d ,disa/] ,relief & ,em]g5cy ,assi/ance ,act 7#db ,u4,s4,c4 #eagj;c74 ,9 no case %all su* exp$it$ buy\t (f]s delay or r$uce ! am\nt ( claims due to a policyhold] = cont5ts cov]age or necess>y clean-up co/s4 4 #c4 ,community action to address repetitively flood$ areas ,section #acfa ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #dajb7 is am5d$ by add+ at ! end ! foll[+ new subsection3 7e7 ,community action = repeat$ly flood$ areas 7#a7 ,def9itions ,= purposes ( ?is subsection1 ! foll[+ def9itions %all apply3 7,a7 ,cov]$ community ,! t]m cov]$ community means a community-- 7i7 t is p>ticipat+ 9 ! national flood insurance program "u section #acae 7#db ,u4,s4,c4 #djbb72 7ii7 )9 :i* are locat$-- 7,i7 n few] ?an #ej repetitive loss /ructures2 or 7,,ii7 n few] ?an #e sev]e repetitive loss /ructures = :i* mitigation activities meet+ ! /&>ds = approval "u section #acff7;c77#b77;,a7 7#db ,u4,s4,c4 #daja;c7c77#b77;,a77 h n be5 conduct$2 & 7iii7 :i* has be5 id5tifi$ by ! ,adm9i/rator z a priority = assessm5t & mitigation 9 accordance ) ! regulations au?oriz$ by ?is section4 7,b7 ,repetitive loss /ructure ,! t]m repetitive loss /ructure has ! mean+ giv5 su* t]m 9 section #acgj 7#db ,u4,s4,c4 #daba74 7,c7 ,sev]e repetitive loss /ructure ,! t]m sev]e repetitive loss /ructure has ! mean+ giv5 su* t]m 9 section #acff7;h7 7#db ,u4,s4,c4 #daja;c7h774 7#b7 ,requirem5ts = cov]$ communities ,! ,adm9i/rator %all1 by regulation1 require a cov]$ community to-- 7,a7 det]m9e1 ) assi/ance f ! ,adm9i/rator1 ! areas )9 ! cov]$ community 9 :i* prop]ties describ$ 9 p>agraph 7#a77;,a77ii7 are locat$ 9 ord] to id5tify areas t are repeat$ly damag$ by floods2 7,b7 assess1 ) assi/ance f ! ,adm9i/rator1 future conditions :i* may repres5t cont9u+ risks to ! repeat$ly damag$ areas id5tifi$ pursuant to subp>agraph 7,a72 7,c7 develop a community-specific plan = mitigat+ cont9u+ flood risks to ! repeat$ly damag$ areas id5tifi$ pursuant to 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$uc+ flood risk available to ! public4 7#c7 ,coord9ation ) exi/+ plann+ ef=ts ,z det]m9$ by ! ,adm9i/rator1 a cov]$ community may address ! plann+ requirem5ts ( ?is subsection 9 coord9ation ) o!r plann+ ef=ts1 includ+-- 7,a7 a plan develop$ "u section #acff ( ?is title 7#db ,u4,s4,c4 #dajd;c72 7,b7 a plan develop$ "u section #cbb ( ! ,rob]t ,t4 ,/af=d ,disa/] ,relief & ,em]g5cy ,assi/ance ,act 7#db ,u4,s4,c4 #eafe72 or 7,c7 a plan complet$ =1 conduct$ =1 & consi/5t ) crit]ia = ! community rat+ sy/em au?oriz$ "u section #acae7;b7 ( ?is title 7#db ,u4,s4,c4 #djbb7;b774 7#d7 ,au?orization & assi/ance 7,a7 ,9 g5]al ,! ,adm9i/rator may issue appropriate policies & regulations to assi/ cov]$ communities 9 id5tification ( repeat$ly flood$ areas & 9 implem5t+ practical plans = address+ ! id5tifi$ flood+ problems4 7,b7 ,types ( assi/ance ,assi/ance au?oriz$ "u ?is section may include-- 7i7 %>+ ( in=mation 9 accordance ) ! requirem5ts ( section #eeb;a ( title #e1 ,unit$ ,/ates ,code1 & ! sub*apt] ,,ii ( *apt] #ce ( title #dd1 ,unit$ ,/ates ,code2 7ii7 consid]ation ( possible s\rces ( f9ancial assi/ance to communities1 includ+-- 7,i7 pot5tial waiv] or l[]+ ( non-,f$]al co/ %>es = mitigation ( prop]ties2 & 7,,ii7 pot5tial priority = applicable grant mitigation fund+ manag$ by ! ,adm9i/rator2 7iii7 additional te*nical assi/ance to communities ! ,adm9i/rator may deem mo/ at-risk = repeat$ flood+ ev5ts2 7iv7 reasonable consid]ations & t>get$ assi/ance = communities def9$ z small & impov]i%$ or high-risk "u section #bjc7;a7 ( ! ,rob]t ,t4 ,/af=d ,disa/] ,relief & ,em]g5cy ,assi/ance ,act 7#db ,u4,s4,c #eacc7;a772 & 7v7 special assi/ance aim$ at implem5t+ ,executive ,ord] #acihe 7,janu>y #bj1 #bjba7 on ,advanc+ ,racial ,equity & ,support = ,und]s]v$ ,communities ,?r\gh ! ,f$]al ,gov]nm5t1 z def9$ by ! ,adm9i/rator4 7,c7 ,special consid]ations ,9 det]m9+ an appropriate level ( assi/ance = a cov]$ community1 z provid$ 9 subp>agraph 7,b71 ! ,adm9i/rator %all consid] ! ext5t to :i* ! community is work+ to rem$y problems associat$ ) repeat$ flood+ & ! res\rces available to ! cov]$ community1 includ+-- 7i7 any ,f$]al or ,/ate fund+ receiv$ by ! cov]$ community2 7ii7 ! portion ( ! cov]$ community t is locat$ )9 areas hav+ special flood haz>ds2 & 7iii7 any o!r factor t makes x difficult = ! cov]$ community to conduct mitigation activities = flood-prone /ructures4 7#e7 ,reports to ,congress ,n lat] ?an #c 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;,c7 &1 to ! ext5t possible1 ! tr5ds 9 numb]s ( repetitive loss & sev]e repetitive loss prop]ties4 4 #d4 ,flood mitigation assi/ance 7a7 ,au?ority ,p>agraph 7#b7 ( section #acff7;a7 ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #dajd;c7a77#b77 is am5d$-- 7#a7 by ins]t+ repetitive loss /ructures1 aft] damage to2 & 7#b7 by ins]t+ be=e 2 & ! foll[+3 1 & o!r /ructures )9 an area t has be5 id5tifi$ by ! ,/ate or community z a repetitive loss area or has be5 det]m9$ by ! ,adm9i/rator to pose a significant risk ( recurr5t flood+4 7b7 ,eligible mitigation activities ,subsection 7c7 ( section #acff ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #dajd;c7 is am5d$-- 7#a7 9 p>agraph 7#b7-- 7,a7 9 ! p>agraph head+1 by ins]t+ fairness1 aft] co/-effectiv5ess2 7i7 9 subp>agraph 7,a7-- 7,i7 9 clause 7i7-- 7aa7 by ins]t+ 1 equitable1 aft] feasible2 & 7bb7 by ins]t+ ov] ! long t]m aft] co/-effective2 & 7,,ii7 9 clause 7ii71 by ins]t+ repetitive loss or be=e sev]e2 & 7ii7 9 subp>agraph 7,b7 by ins]t+ 1 includ+ b5efits t provide ne$$ assi/ance to vuln]able populations be=e ! p]iod at ! end2 7#b7 9 p>agraph 7#c7-- 7,a7 9 subp>agraph 7,c7-- 7i7 by /rik+ = public use12 & 7ii7 by ins]t+ 1 consid]+ curr5t & future risks be=e ! p]iod at ! end2 7,b7 9 subp>agraph 7,h7 by ins]t+ & aft] ! semicolon at ! end2 7,c7 9 subp>agraph 7,i7 by /rik+ 2 & & ins]t+ a p]iod2 & 7,d7 by /rik+ subp>agraph 7,j72 & 7#c7 9 p>agraph 7#d71 by add+ aft] ! p]iod1 ! foll[+3 ,9 any case 9 :i* elevation or rebuild+ is au?oriz$ by ! ,adm9i/rator1 ! appropriate level ( elevation %all incorporate appropriate freebo>d or o!r safety factor bas$ on an assessm5t us+ ! be/ sci5tific in=mation to det]m9e risk levels ov] ! expect$ lifetime ( ! /ructure44 7c7 ,mat*+ requirem5t ,subsection 7d7 ( section #acff ( ! ,national ,flood ,insurance ,act ( #aifh 7#db ,u4,s4,c4 #dajd;c7d77 is am5d$-- 7#a7 9 p>agraph 7#b71 by ins]t+ be=e ! p]iod at ! end ! foll[+3 1 except 9 cases 9 :i* ! repetitive loss /ructure lies )9 an area id5tifi$ "u a local plan adopt$ pursuant to section #acfa7;e7 7#db ,u4,s4,c4 #dajb7;e774 ,9 su* cases1 mitigation activities1 includ+ acquisitions1 %all be fund$ 9 an am\nt up to #ajj p]c5t ( all eligible co/s2 7#b7 by r$esignat+ p>agraph 7#c7 z p>agraph 7#d72 & 7#c7 by ins]t+ aft] p>agraph 7#b7 ! foll[+ new p>agraph3 7#c7 ,waiv] ( mat*+ requirem5ts = prop]ties )9 und]s]v$ communities ,! mat*+ requirem5t "u ?is subsection %all be waiv$ = ! foll[+ prop]ties3 7,a7 ,prop]ties locat$ )9 a c5sus tract ) a ,c5t]s = ,disease ,control & ,prev5tion ,social ,vuln]ability ,index score ( n less ?an #j4ejja4 7,b7 ,prop]ties s]v+ z ! prim>y resid5ce = a h\sehold hav+ a h\sehold income ( n m ?an #ajj p]c5t ( ! applicable area m$ian income4 4 #e4 ,pr$isa/] mitigation 7a7 ,def9itions ,subsection 7a7 ( section #bjc ( ! ,rob]t ,t4 ,/af=d ,disa/] ,relief & ,em]g5cy ,assi/ance ,act 7#db ,u4,s4,c #eacc7 is am5d$ to read z foll[s3 7a7 ,def9ition ( small impov]i%$ community & high-,risk community ,9 ?is section-- 7#a7 ! t]m small impov]i%$ community means a community ( #c1jjj or few] individuals t is economically disadvantag$1 z det]m9$ by ! ,/ate 9 :i* ! community is locat$ & bas$ on crit]ia e/abli%$ by ! ,presid5t2 & 7#b7 ! t]m high-risk community means a community t has significant risk to heal?1 safety1 or economic /ability f natural disa/]s & also has limit$ res\rces to plan = & mitigate aga9/ su* risks1 z det]m9$ by ! ,adm9i/rator4 ,9 mak+ su* det]m9ation1 ! ,adm9i/rator may consid] in=mation on pa/ natural disa/]s1 claims aga9/ ! ,national ,flood ,insurance ,fund1 & o!r f$]al exp5ditures = disa/] response & recov]y z well z data relat$ to size ( ! community1 social vuln]ability1 pov]ty levels1 unemploym5t1 h\s+ %ortages1 or o!r factors t affect ! community's capacity to prep>e = & recov] f natural disa/]s4 4 7b7 ,/ate recomm5dations ,subp>agraph 7,b7 ( section #bjc7;d77#b7 ( ! ,rob]t ,t4 ,/af=d ,disa/] ,relief & ,em]g5cy ,assi/ance ,act 7#db ,u4,s4,c #eacc7 is am5d$ to read z foll[s3 7,b7 ,exceptions ,9 provid+ assi/ance to local gov]nm5ts "u ?is section1 ! ,presid5t may select a local gov]nm5t has be5 id5tifi$ z a small impov]i%$ community or a high-risk community1 or1 if ! ,presid5t det]m9es t extraord9>y circum/ances ju/ify ! selection & t mak+ ! selection w fur!r ! purpose ( ?is section1 ano!r community t has n be5 recomm5d$ by a ,gov]nor "u ?is subsection4 4 7c7 ,crit]ia = assi/ance aw>ds ,subsection 7g7 ( section #bjc ( ! ,rob]t ,t4 ,/af=d ,disa/] ,relief & ,em]g5cy ,assi/ance ,act 7#db ,u4,s4,c #eacc7;g77 is am5d$-- 7#a7 9 p>agraph 7#a7 by ins]t+ 1 includ+ ! likelihood t id5tifi$ haz>ds w increase 9 sev]ity1 frequ5cy1 or impact 9 ! future be=e ! semicolon at ! end2 7#b7 9 p>agraph 7#h7 by ins]t+ 1 includ+ secur+ improv$ protections = vuln]able populations be=e ! semicolon at ! end2 & 7#c7 9 p>agraph 7#i7 by ins]t+ & high-risk communities be=e ! semicolon at ! end4 7d7 ,f$]al %>e ,p>agraph 7#b7 ( section #bjc7;h7 ( ! ,rob]t ,t4 ,/af=d ,disa/] ,relief & ,em]g5cy ,assi/ance ,act 7#db ,u4,s4,c #eacc7;h77#b77 is am5d$ to read z foll[s3 7#b7 ,small impov]i%$ & high-risk communities ,not)/&+ p>agraph 7#a71 ! ,presid5t may contribute up to #ajj p]c5t ( ! total co/ ( a mitigation activity c>ri$ out 9 a small impov]i%$ community or 9 a high-risk community4 4 #f4 ,haz>d mitigation grant program ,subsection 7b7 ( section #djd ( ! ,rob]t ,t4 ,/af=d ,disa/] ,relief & ,em]g5cy ,assi/ance ,act 7#db ,u4,s4,c4 #eagj;c7b77 is am5d$-- 7#a7 9 p>agraph 7#a7-- 7,a7 by /rik+ section & replac+ ) ,act or "u ! ,national ,flood ,insurance ,act 7#db ,u4,s4,c4 #djja et4 seq472 & 7,b7 by ins]t+ aft] ! p]iod at ! end ! foll[+3 ,9 provid+ su* assi/ance1 ! ,adm9i/rator %all all[ = p>ticipat+ prop]ty own]s1 z well z any affect$ t5ants1 to be treat$ z displac$ p]sons "u ! ,uni=m ,relocation ,assi/ance & ,real prop]ty ,acquisition ,policies ,act ( #aigj 7#db ,u4,s4,c4 #dfja et seq4742 & 7#b7 by add+ at ! end ! foll[+ new p>agraph3 7#d7 ,special consid]ations ,9 ! case ( an acquisition or relocation project und]tak5 9 coop]ation ) a community :i* meets ! crit]ia set =? "u subsection #acab7;d7 ( ! ,national ,flood ,insurance ,act 7#db ,u4,s4,c4 #djai7;d771 ! ,adm9i/rator may recognize = cr$it t[>d necess>y local co/ %>es any prop]ly docum5t$ exp5ditures relat$ to su* project :i* may h be5 made be=e ! date ( ! grant aw>d4 ,su* exp5ditures may include co/s relat$ to /ructure inspections & appraisals1 title se>*es1 outrea* to pot5tially affect$ prop]ty own]s1 real e/ate c\nsel+ & o!r necess>y assi/ance1 & plann+ = reuse ( ! prop]ties 9 compliance ) ?is subsection4 4