,i  #aah? ,,congress  #b;d ,session  ,h4
 ,r4 #ihji  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,septemb] #be1 #bjbd  
,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 ( #bjbd4
  #b4 ,volunt>y buy\ts 9 lieu ( flood   
claims  7a7 ,9 g5]al ,section #acab ( ! 
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #djai7 is am5d$ by add+ 
at ! end ! foll[+3  7d7 ,exp$it$        

volunt>y buy\ts  7#a7 ,9 g5]al ,!       
,adm9i/rator may (f] a volunt>y buy\t   
option to a policyhold] = an insur$     
prop]ty if ! foll[+ requirem5ts h be5   
met3 7,a7 ,det]m9ation ,! ,adm9i/rator  
has det]m9$1 bas$ on ! pre-flood value (
 ! insur$ prop]ty1 ! damage claim hi/ory
 ( ! insur$ prop]ty1 & project$ future  
claims = ! insur$ prop]ty1 t pur*as+ !  
insur$ prop]ty w\ld result 9 long-t]m   
b5efits to ! ,national ,flood ,insurance
 ,fund4  7,b7 ,prop]ty eligibility ,!   
insur$ prop]ty-- 7i7 has be5 id5tifi$ z 
a repetitive loss or sev]e repetitive   
loss prop]ty1 z su* t]ms are def9$ 9    
section #acff7;h72  7ii7 has be5        
designat$1 by ! p>ticipat+ community 9  
:i* su* insur$ prop]ty is locat$1 z     
sub/antially damag$ /ructure2 or  7iii7 
w\ld be fil+ a claim = ! maximum level (
 cov]age1 if n pur*as$ by !             
,adm9i/rator4  7,c7 ,community          
eligibility ,! p>ticipat+ community 9   
:i* su* insur$ prop]ty is locat$ has    
agre$ to-- 7i7 take title to ! insur$   

prop]ty2 &  7ii7 prioritize mitigation  
to su* insur$ prop]ty or to ! area 9 :i*
 su* insur$ prop]ty is locat$ ?r\gh     
actions or plans det]m9$ appropriate by 
! ,adm9i/rator1 includ+-- 7,i7 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   
7,,ii7 a locally adopt$ plan complet$ 9 
compliance ) requirem5ts ( section      
#acfa7;e7 7#db ,u4,s4,c4 #dajb7;e772    
7,,iii7 a locally adopt$ flood risk     
mitigation plan consi/5t ) ! requirem5ts
 ( section #acff7;b7 7#db ,u4,s4,c4     
#dajd;c7b772  7,,iv7 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  7,v7 su* o!r action or plan z !    
,adm9i/rator may require4  7#b7 ,,%fa   
,/atus ,if ea* ( ! requirem5ts describ$ 
9 p>agraph 7#a7 is satisfi$1 !          
,adm9i/rator may (f] a volunt>y buy\t   
option to a policy hold] = an insur$    

prop]ty ev5 if su* insur$ prop]ty is n  
locat$ 9 a special flood haz>d area4    
7#c7 ,am\nt ( buy\t (f] ,! am\nt ( a    
buy\t (f] made by ! ,adm9i/rator "u ?is 
subsection = an insur$ prop]ty may exce$
 ! am\nt ( ! claim made by ! policy     
hold] ) respect to su* insur$ prop]ty4  
7#d7 ,use ( ,fund am\nts ,! ,adm9i/rator
 may use am\nts 9 ! ,national ,flood    
,insurance ,fund to provide paym5t = any
 buy\t (f]$ by ! ,adm9i/rator & accept$ 
by a policyhold] t meets ! requirem5ts (
 ?is subsection4  7#e7 ,no delay or     
r$uction ,! ,adm9i/rator %all ensure t  
any buy\t (f] made to a policyhold] "u  
?is subsection does n delay or r$uce !  
am\nt ( any paym5t = ! claim made by su*
 policyhold]4  7#f7 ,special            
consid]ations ,:5 decid+ :e!r to (f] a  
buy\t ( an insur$ prop]ty "u ?is        
subsection1 ! ,adm9i/rator may consid]--
 7,a7 ! curr5t res]ves & f9ancial /atus 
( ! ,national ,flood ,insurance ,fund2  
7,b7 ! expect$ numb] ( buy\t reque/s2 & 
7,c7 opportunities to supplem5t         

available ,national ,flood ,insurance   
,fund am\nts ) o!r disa/] or mitigation 
assi/ance available f ,f$]al &          
non-,f$]al s\rces4  7#g7 ,transf] (     
prop]ty ,if a policyhold] accepts a     
volunt>y buy\t (f]$ by ! ,adm9i/rator "u
 ?is section = an insur$ prop]ty1 !     
,adm9i/rator %all take own]%ip ( !      
prop]ty & n lat] ?an #ij days aft] tak+ 
own]%ip ( su* prop]ty1 transf] own]%ip (
 su* prop]ty to a unit ( local gov]nm5t 
= managem5t 9 compliance ) ! requirem5ts
 "u section #djd7;b77#b7 ( ! ,rob]t ,t4 
,/af=d ,disa/] ,relief & ,em]g5cy       
,assi/ance ,act4  7#h7 ,rulemak+ ,!     
,adm9i/rator may issues su* rules z !   
,adm9i/rator det]m9es necess>y to c>ry  
out ?is subsection4  4  7b7 ,effective  
date ,! am5dm5ts made by ?is section    
%all take effect #a ye> aft] ! date ( ! 
enactm5t ( ?is section4  #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 ,requirem5ts = cov]$        
communities ,! ,adm9i/rator %all1 by    
rule1 require ea* cov]$ community to--  
7,a7 det]m9e ! areas )9 ! cov]$         
community 9 :i* prop]ties describ$ 9 !  
def9ition ( cov]$ community 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$uc+ flood risk available to ! public4 
7#b7 ,coord9ation ) exi/+ plann+ ef=ts  
,z det]m9$ 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#c7  
,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 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 und]s]v$
 or high-risk "u section #bjc7;a7 ( !   
,rob]t ,t4 ,/af=d ,disa/] ,relief &     
,em]g5cy ,assi/ance ,act 7#db ,u4,s4,c4 
#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#d7 ,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  7#e7 ,cov]$ community def9$ 
,9 ?is subsection1 ! t]m cov]$ community
 means a community--  7,a7 t is         
p>ticipat+ 9 ! national flood insurance 
program & 9 compliance ) all requirem5ts
 ( ?is ,act2 &  7,b7 )9 :i* are locat$--
  7i7 n less ?an #ej repetitive loss    
/ructures2 or  7ii7 n few] ?an #e sev]e 
repetitive loss /ructures = :i*         
mitigation activities meet+ ! /&>ds =   
approval "u section #acff7;c77#b77;,a7 h
 n be5 conduct$2 &  7,c7 :i* has be5    
id5tifi$ by ! ,adm9i/rator z a priority 
= assessm5t & mitigation 9 accordance ) 
! rules requir$ "u ?is subsection4  4   
#d4 ,flood mitigation assi/ance  7a7    
,au?ority ,section #acff7;a77#b7 ( !    
,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 
7,b7 9 subp>agraph 7,a7--  7i7 9 clause 
7i7-- 7,i7 by ins]t+ 1 equitable1 aft]  
feasible2 &  7,,ii7 by ins]t+ ov] ! long
 t]m aft] co/-effective2 &  7ii7 9      
clause 7ii71 by ins]t+ repetitive loss  
or be=e sev]e2 &  7,c7 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 ! semicolon 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 requir$ or 
au?oriz$ by ! ,adm9i/rator or by ,/ate  
or local regulation or ord9ance1 !      
appropriate level ( elevation %all      
incorporate appropriate freebo>d or o!r 
resili5ce factors 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$--  
7#a7 9 p>agraph 7#b7-- 7,a7 by /rik+ ,9 
! case ( mitigation activities to       
repetitive loss /ructures1 & ins]t+3    
7,a7 ,9 g5]al ,9 ! case ( mitigation    
activities to repetitive loss /ructures1
  2 &  7,b7 by add+ at ! end ! foll[+3  
7,b7 ,special rule ,9 ! case (          
mitigation activities to repetitive loss
 /ructures t lie )9 an area id5tifi$ "u 
a local plan adopt$ pursuant to section 
#acfa7;e71 9 an am\nt up to #ajj p]c5t (

 all eligible co/s4  4  7#b7 by         
r$esignat+ p>agraph 7#c7 z p>agraph     
7#d72 &  7#c7 by ins]t+ aft] p>agraph   
7#b7 ! foll[+3  7#c7 ,prop]ties )9      
und]s]v$ communities ,9 an am\nt up to  
#ajj p]c5t ( all eligible co/s = a      
prop]ty--  7,a7 locat$ )9 a c5sus tract 
) a ,c5t]s = ,disease ,control &        
,prev5tion ,social ,vuln]ability ,index 
score ( n less ?an #j4ejja2 or  7,b7 t  
s]ves z a prim>y resid5ce = a h\sehold )
 a h\sehold income ( n m ?an #ajj p]c5t 
( ! applicable area m$ian income4  4    
#e4 ,pr$isa/] mitigation  7a7           
,def9itions ,section #bjc7;a7 ( ! ,rob]t
 ,t4 ,/af=d ,disa/] ,relief & ,em]g5cy  
,assi/ance ,act 7#db ,u4,s4,c4 #eacc7 is
 am5d$ to read z foll[s3  7a7           
,def9itions ,9 ?is section3  7#a7       
,und]s]v$ community ,! t]m und]s]v$     
community means a population %>+ a      
p>ticul> *>act]i/ic1 or a geographic    
community1 t bas$ on crit]ia e/abli%$ by
 ! ,presid5t1 has be5 sy/ematically d5i$
 a full opportunity to p>ticipate 9     

aspects ( economic1 social1 & civic     
life4  7#b7 ,high-risk community ,! 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 !
 ,presid5t bas$ on--  7,a7 a            
consid]ation ( pa/ natural disa/]s2     
7,b7 an evaluation ( claims aga9/ !     
,national ,flood ,insurance ,fund2  7,c7
 an evaluation ( o!r ,f$]al exp5ditures 
= disa/] response & recov]y2 or  7,d7 an
 analysis ( data relat$ 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 t 
has be5 id5tifi$ z a und]s]v$ 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 ,section #bjc7;g7 ( ! ,rob]t ,t4 
,/af=d ,disa/] ,relief & ,em]g5cy       
,assi/ance ,act 7#db ,u4,s4,c4          
#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 ,section #bjc7;h77#b7 ( !
 ,rob]t ,t4 ,/af=d ,disa/] ,relief &    
,em]g5cy ,assi/ance ,act 7#db ,u4,s4,c4 

#eacc7;h77#b77 is am5d$ to read z       
foll[s3  7#b7 ,und]s]v$ & 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 an und]s]v$        
community or 9 a high-risk community4  4
  #f4 ,haz>d mitigation grant program   
,section #djd7;b7 ( ! ,rob]t ,t4 ,/af=d 
,disa/] ,relief & ,em]g5cy ,assi/ance   
,act 7#db ,u4,s4,c4 #eagj;c7b77 is      
am5d$-- 7#a7 9 p>agraph 7#a71 by ins]t+ 
aft] ! p]iod at ! end ! foll[+3 ,9      
provid+ su* assi/ance1 ! ,adm9i/rator   
%all all[ = p>ticipat+ prop]ty own]s1 z 
well z any affect$ t5ants1 to be treat$ 
z displac$ p]sons "u ! ,uni=m           
,relocation ,assi/ance & ,real prop]ty  
,acquisition ,policies ,act ( #aigj42 & 
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 ,act1 ! ,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