,i  #aah? ,,congress  #b;d ,session  ,h4
 ,r4 #igbf  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,septemb] #bj1        
#bjbd,mr4 ,c>twright 7= himself1 ,mr4   
,c>son1 ,mr4 ,c>t] ( ,l\isiana1 ,mr4    
,?an$>1 ,ms4 ,tokuda1 & ,ms4 ,wild7     
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,f9ancial ,s]vices  ,a 
,,bill  ,to require ! ,adm9i/rator ( !  
,f$]al ,em]g5cy ,managem5t ,ag5cy to    
develop a flood insurance in=mation     
tool1 & = o!r purposes4  #a4 ,%ort title
 ,?is ,act may be cit$ z ! ,,nfip       
,premium ,transp>5cy ,act4  #b4         
,dissem9ation ( ,flood ,insurance       
,in=mation ,! ,national ,flood          
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djja et4 seq47 is am5d$ by /rik+       
section #acac & ins]t+ ! foll[+3  #acac4
 ,dissem9ation ( ,flood ,insurance      
,in=mation  7a7 ,9 g5]al ,! ,adm9i/rator
 %all ensure t ! decl>ation page = ea*  
flood insurance policy issu$ "u !       
national flood insurance program = a    
prop]ty %all1 n lat] ?an #ab mon?s aft] 

! date ( ! enactm5t ( ?is subsection1   
include ! foll[+3 7#a7 ,! curr5t        
insurance premium = su* prop]ty1 includ+
 a description ( any disc\nts be+ appli$
 includ+ any disc\nts associat$ )--     
7,a7 build+1 con/ruction1 or sub/antial 
improvem5t :i* began be=e ! ,adm9i/rator
 publi%$ an initial rate map = !        
community1 eligible = less ?an actu>ial 
rates "u section subsections 7a77#b7 &  
7g7 ( section #acjg7;a77#b72  7,b7 !    
newly mapp$ prop]ty disc\nt "u section  
#acjh7;i72  7,c7 an e/imate ( ! numb]   
ye>s rema9+ until ! premium = su*       
prop]ty %all mat* ! full-risk bas$      
premium = su* prop]ty1 hav+ acc\nt$ = ! 
annual limitation on premium increases  
"u section #acjh7;e72  7,d7 available   
mitigation options & associat$ premium  
sav+s2  7,e7 claim hi/ory2  7,f7 !      
community rat+ sy/em "u section         
#acae7;b72 &  7,g7 annual limitations on
 premium increases "u section #acjh7;e74
  7#b7 ,any annual limitations on       
premium increases "u section #acjh7;e74 

7#c7 ,any curr5t risk factors1 includ+ !
 elevation ( ! prop]ty above fir/ floor 
height4  7#d7 ,! replacem5t co/ value4  
7#e7 ,any special category t applies to 
! prop]ty1 includ+ repetitive loss      
prop]ty or sev]e repetitive loss        
prop]ty4  7#f7 ,any flood insurance     
requirem5t t applies to ! prop]ty z a   
result ( disa/] assi/ance previ\sly     
provid$ by ! ,adm9i/rator4  7#g7 ,on &  
aft] ! date t is #cf mon?s aft] ! date (
 ! enactm5t ( ?is section1 ! website    
address :]e ! flood insurance in=mation 
tool e/abli%$ pursuant to subsection 7c7
 may be locat$4  7b7 ,explanation       
requir$ ,if any item ( in=mation requir$
 to be includ$ on a decl>ation page "u  
subsection 7a7 _c be provid$1 an        
explanation ( :y su* item ( in=mation _c
 be provid$ %all be includ$ on !        
decl>ation page4  7c7 ,requir$ in=mation
 %>+ ,! ,adm9i/rator %all1 beg9n+ on !  
date t is #ab mon?s aft] ! date ( !     
enactm5t ( ?is subsection1 %>e ) ea*    
insurance company t issues a flood      

insurance policy "u ! national flood    
insurance program any in=mation !       
,adm9i/rator has t relates to ! items   
li/$ 9 subsection 7a74  7d7 ,flood      
insurance in=mation tool  7#a7 ,9 g5]al 
,! ,adm9i/rator %all1 n lat] ?an #cf    
mon?s aft] ! date ( ! enactm5t ( ?is    
section1 develop a flood insurance      
in=mation tool t is accessible onl9e &  
conta9s ! foll[+ in=mation ) respect to 
ea* prop]ty = :i* a flood insurance     
policy is issu$ "u ! national flood     
insurance program3  7,a7 ,! curr5t      
insurance premium = su* prop]ty1 includ+
 a description ( any reason :y ! curr5t 
premium is less ?an actu>ial rates2     
includ+ due to gr&fa!r+1 pre-,,firm     
disc\nt /atus1 newly mapp$ prop]ty      
/atus1 or a ,community ,rat+ ,sy/em     
/atus4  7,b7 ,a description ( any       
limitations on annual premium increases4
  7,c7 ,! risk premium rate = su*       
prop]ty4  7,d7 ,! replacem5t co/ value =
 su* prop]ty1 & ! date on :i* su* value 
0 calculat$4  7,e7 ,a detail$ flood     

hi/ory = su* prop]ty t includes a li/ ( 
any prior claims "u ! national flood    
insurance program associat$ ) su*       
prop]ty & ! dates ( su* claims4  7,f7   
,any special category t applies to !    
prop]ty1 includ+ repetitive loss prop]ty
 or sev]e repetitive loss prop]ty4  7,g7
 ,! date ( ! mo/ rec5t flood haz>d      
det]m9ation ( su* prop]ty & ! date ( any
 plann$ future flood haz>d det]m9ation (
 su* prop]ty4  7,h7 ,any flood insurance
 requirem5t t applies to ! prop]ty z a  
result ( disa/] assi/ance previ\sly     
provid$ by ! ,adm9i/rator4  7,i7 ,any   
additional in=mation ! ,adm9i/rator     
det]m9es appropriate4  7#b7 ,explanation
 requir$ ,if any item ( in=mation       
requir$ to be includ$ 9 ! food insurance
 in=mation tool "u p>agraph 7#a7 _c be  
provid$1 an explanation ( :y su* item ( 
in=mation _c be provid$ %all be includ$ 
9 ! flood insurance in=mation tool4     
7#c7 ,access to ! flood insurance       
in=mation tool ,! ,adm9i/rator %all1    
not)/&+ any conflict+ provision 9 !     

,privacy ,act ( #aigd1 provide access to
 ! flood insurance in=mation tool1 suite
 ( tools1 or discrete p>ts ( su* tools1 
to-- 7,a7 ! public1 = all in=mation :]e 
! ,adm9i/rator has det]m9$ t release to 
! public is 9 ! be/ int]e/ ( ! public2 &
  7,b7 own]s ( prop]ties = :i* a flood  
insurance policy is issu$ "u ! national 
flood insurance program1 = in=mation :]e
 ! ,adm9i/rator has det]m9$ t release to
 ! public is n 9 ! be/ int]e/ ( !       
public4  7#d7 ,adju/m5t capability ,to !
 degree practicable1 ! flood insurance  
in=mation tool1 or suite ( tools1       
develop$ by ,adm9i/rator %all all[ !    
capability = us]s1 ) respect to ea* item
 ( in=mation li/$ 9 p>agraph 7#a7 to1 to
 ! ext5t feasible--  7,a7 adju/ v>iables
 t *ange ov] "t & impact flood risk1    
includ+1 ! elem5ts set =? 9 #db         
,u4,s4,c4 #daja;b7b77#a7 & #db ,u4,s4,c4
 #daja;b7b77#c72 &  7,b7 evaluate h[ su*
 adju/m5ts or mitigation activities     
w\ld--  7i7 r$uce ! risk ( flood+2 &    
7ii7 decrease premiums4  7e7 ,replacem5t

 co/ value def9$ ,! t]m replacem5t co/  
value means ! co/ to replace t "p ( a   
build+ t is damag$ by flood1 )\t        
depreciation4  7f7 ,additional in=mation
 availability ,9 addition to z requir$  
"u subsection 7a7 ?r\gh 7d7 ( ?is       
subsection1 ! ,adm9i/rator %all f "t to 
"t take su* action z may be necess>y 9  
ord] to make in=mation & data available 
to ! public1 & to any ,/ate or local    
ag5cy or (ficial1 ) reg>d to--  7#a7 !  
flood insurance program1 its cov]age &  
objectives2 &  7#b7 e/imat$ & *>geable  
flood insurance premium rates1 includ+ !
 basis = & diff]5ces betwe5 su* rates 9 
accordance ) ! provisions ( section     
#acjh4  4  #c4 ,report ,! ,comptroll]   
,g5]al ( ! ,unit$ ,/ates %all1 n lat]   
?an #b ye>s aft] ! date on :i* !        
,adm9i/rator ( ! ,f$]al ,em]g5cy        
,managem5t ,ag5cy makes available !     
flood insurance in=mation tool requir$  
to be develop$ "u section #acac7;c7 ( ! 
,national ,flood ,insurance ,act (      
#aifh1 publi% a report t analyzes !     

foll[+3 7#a7 ,:e!r ! foll[+ in=mation   
c\ld be add$ to flood insurance         
in=mation tool e/abli%$ by !            
,adm9i/rator ( ! ,f$]al ,em]g5cy        
,managem5t ,ag5cy pursuant to section   
#acac ( ! ,national ,flood ,insurance   
,act ( #aifh3  7,a7 ,any prop]ty        
acquisition programs = :i* ! prop]ty    
qualifies4  7,b7 ,any nature bas$       
solutions t may be us$ to r$uce ! flood 
risk = ! prop]ty4  7,c7 ,any plann$ or  
exi/+ flood def5ses 9 ! area 9 :i* a    
prop]ty is locat$4  7,d7 ,any           
implications t additional developm5t 9 !
 area :]e prop]ty is locat$ may h on    
flood risk4  7,e7 ,any /&>ds e/abli%$   
locally t affect ! repair or improvem5t 
( ! prop]ty1 includ+-- 7i7 any          
limitations on repairs or improvem5ts   
bas$ on ! value ( ! prop]ty2 &  7ii7 any
 local /&>ds t g beyond ! /&>ds requir$ 
"u ! national flood insurance program4  
7,f7 ,a description ( any community rat+
 sy/em rat+ t impacts ! prop]ty &       
disc\nts t may be available bas$ on ?is 

rat+ sy/em4  7#b7 ,:e!r access to !     
flood insurance in=mation tool e/abli%$ 
by ! ,adm9i/rator ( ! ,f$]al ,em]g5cy   
,managem5t ,ag5cy pursuant to section   
#acac ( ! ,national ,flood ,insurance   
,act ( #aifh c\ld be provid$ to         
prospective buy]s ( prop]ties = :i* a   
flood insurance policy is issu$ "u !    
national flood insurance program4  7#c7 
,:e!r ! flood insurance in=mation tool  
e/abli%$ by ! ,adm9i/rator ( ! ,f$]al   
,em]g5cy ,managem5t ,ag5cy pursuant to  
section #acac ( ! ,national ,flood      
,insurance ,act ( #aifh c\ld all[ us]s  
to1 ) respect to ea* item ( in=mation   
li/$ 9 p>agraph 9 ! flood insurance     
tool1 adju/ v>iables t impact flood     
risk1 includ+--  7,a7 relative sea level
 rise2  7,b7 ext5sion ( imp]vi\s cov]2 &
  7,c7 & levee reliability *anges4  7#d7
 ,:e!r ! types ( in=mation available )9 
! flood insurance in=mation tool        
e/abli%$ by ! ,adm9i/rator ( ! ,f$]al   
,em]g5cy ,managem5t ,ag5cy pursuant to  
section #acac ( ! ,national ,flood      

,insurance ,act ( #aifh c\ld be exp&$   
fur!r4  7#e7 ,:e!r ! in=mation provid$  
by ! flood insurance tool e/abli%$ by ! 
,adm9i/rator ( ! ,f$]al ,em]g5cy        
,managem5t ,ag5cy pursuant to section   
#acac ( ! ,national ,flood ,insurance   
,act ( #aifh c\ld be us$ by policy      
hold]s z "p ( any appeals proc$ure      
implem5t$ by ! ,adm9i/rator on or aft] !
 date ( ! enactm5t ( ?is ,act4