,i  #aai? ,,congress  #b;d ,session  ,h4
 ,r4 #ieaa  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,june #bi1 #bjbf,mr4  
,fields 7= himself1 ,mr4 ,c>t] (        
,l\isiana1 ,mr4 ,bresnahan1 & ,mr4      
,ezell7 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 et 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 section1      

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 = !        
community2  7,b7 eligibility = less ?an 
actu>ial rates "u section #acjg7;a77#b7 
or section #acjg7;g72  7,c7 ! newly     
mapp$ prop]ty disc\nt "u section        
#acjh7;i72  7,d7 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,e7 available   
mitigation options & associat$ premium  
sav+s2  7,f7 claim hi/ory2  7,g7 !      
community rat+ sy/em "u section         
#acae7;b72 &  7,h7 annual limitations on
 premium increases "u section #acjh7;e74
  7#b7 ,any annual limitations on       
premium increases "u section #acjh7;e74 
7#c7 ,! replacem5t co/ value4  7#d7 ,z  

det]m9$ n to be exempt$ f release or    
disclosure "u any applicable /atute & n 
9 violation ( p]sonally id5tifiable     
in=mation privacy requirem5ts by !      
,adm9i/rator1 all rat+ factors = !      
prop]ty1 & ! prop]ty's rate = ea*       
factor1 "u ! risk premium rate e/imat$  
"u section #acjg7;a77#a7 ( ! ,national  
,flood ,insurance ,act1 includ+ !       
prop]ty's base rate1 build+ value1      
conc5tration risk1 cont5ts value1       
d$uctible insurance-to-value1 dra9age   
area1 di/ance to ! coa/1 di/ance to     
lake1 di/ance to ocean1 di/ance to riv]1
 elevation1 elevation relative to lake1 
elevation relative to riv]1 fir/ floor  
height1 floors ( int]e/1 f\ndation type1
 levee quality1 ma*9]y & equipm5t above 
fir/ floor1 replacem5t co/ value1       
/ructural relative elevation1 t]ritory1 
& type ( use4  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 section1 %>e )  
ea* insur] t issues a flood insurance   
policy = a prop]ty "u ! national flood  
insurance program1 any in=mation !      
,adm9i/rator has t relates to ! items   
li/$ 9 subsection 7a7 = su* prop]ty4    
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 available "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$4  7,e7 ,z det]m9$ n  
to be exempt$ f release or disclosure "u
 any applicable /atute & n 9 violation (
 p]sonally id5tifiable in=mation privacy
 requirem5ts by ! ,adm9i/rator1 all rat+
 factors = ! prop]ty1 & ! prop]ty's rate
 = ea* factor1 "u ! risk premium rate   
e/imat$ "u section #acjg7;a77#a7 ( !    
,national ,flood ,insurance ,act1       

includ+ ! prop]ty's base rate1 build+   
value1 conc5tration risk1 cont5ts value1
 d$uctive insurance-to-value1 dra9age   
area1 di/ance to ! coa/1 di/ance to     
lake1 di/ance to ocean1 di/ance to riv]1
 elevation1 elevation relative to lake1 
elevation relative to riv]1 fir/ floor  
height1 floors ( int]e/1 f\ndation type1
 levee quality1 ma*9]y & equipm5t above 
fir/ floor1 replacem5t co/ value1       
/ructural relative elevation1 t]ritory1 
& type ( use4  7,f7 ,a detail$ 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,g7   
,any special category t applies to !    
prop]ty1 includ+ repetitive loss prop]ty
 or sev]e repetitive loss prop]ty4  7,h7
 ,! date ( ! mo/ rec5t flood haz>d      
det]m9ation ( su* prop]ty & ! date ( any
 plann$ future flood haz>d det]m9ation (
 su* prop]ty4  7,i7 ,any flood insurance
 requirem5t t applies to ! prop]ty z a  
result ( disa/] assi/ance previ\sly     

provid$ by ! ,adm9i/rator4  7,j7 ,any   
additional in=mation ! ,adm9i/rator     
det]m9es appropriate4  7#b7 ,explanation
 requir$ ,if any item ( in=mation       
requir$ to be includ$ 9 ! flood         
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[ us]s to1 ) respect to ea* item (   
in=mation li/$ 9 p>agraph 7#a7--  7,a7  
adju/ v>iables t *ange ov] "t & impact  
flood risk2 &  7,b7 evaluate h[ su*     
adju/m5ts or mitigation activities      
w\ld--  7i7 r$uce ! risk ( flood+2 &    
7ii7 decrease premiums4  7#e7 ,use (    
exi/+ tools ,! ,secret>y may1 :5        
develop+ a flood insurance in=mation    
tool p>agraph 7#a71 improve ^u or exp&  
an exi/+ tool or res\rce us$ by ,f$]al  
,em]g5cy ,managem5t ,ag5cy if improv+ ^u
 or exp&+ su* tool w\ld r$uce ! co/ (   
develop+ a flood insurance in=mation    
tool p>agraph 7#a74  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  
,n lat] ?an #a ye> aft] ! date (        
enactm5t ( ?is ,act1 & annually !reaft]1
 ! ,adm9i/rator %all publi% onl9e1 = ea*
 ,/ate1 c\nty1 & ,,zip ,code 9 ! ,unit$ 

,/ates1 a di/ribution %[+ ! m$ian1 mean1
 l[] & upp] qu>tiles1 maximum1 &        
m9imum-- 7#a7 ! *>geable premium rates  
prescrib$ "u section #acjh ( ! ,national
 ,flood ,insurance ,act ( #aifh 7#db    
,u4,s4,c4 #djae72 &  7#b7 full risk     
premium rates "u section #acjg7;a77#a7 (
 ! ,national ,flood ,insurance ,act (   
#aifh4  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$uce ! flood 
risk = ! prop]ty4  7,c7 ,coa/al         
re/oration projects1 z implem5t$ by a   
,/ate or local gov]nm5t or includ$ 9 a  
,/ate-approv$ coa/al ma/] plan4  7,d7   
,any plann$ or exi/+ flood def5ses 9 !  
area 9 :i* a prop]ty is locat$1 includ+ 
projects au?oriz$ by ! ,wat] ,res\rces  
,developm5t ,act4  7,e7 ,any            
implications t additional developm5t 9 !
 area :]e prop]ty is locat$ may h on    
flood risk4  7,f7 ,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,g7 ,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 or r$uction (     
imp]vi\s cov]2  7,c7 levee reliability  
*anges2 &  7,d7 coa/al l& loss or coa/al
 re/oration1 includ+ hydrologic         
re/oration1 s$im5t div]sion1 m>%        
creation1 %orel9e protection1 & o!r     
project types4  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