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<dc:title>115 HR 4056 IH: Disaster Insurance Risk Equality Act</dc:title>
<dc:publisher>U.S. House of Representatives</dc:publisher>
<dc:date>2017-10-12</dc:date>
<dc:format>text/xml</dc:format>
<dc:language>EN</dc:language>
<dc:rights>Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.</dc:rights>
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<distribution-code display="yes">I</distribution-code><congress display="yes">115th CONGRESS</congress><session display="yes">1st Session</session><legis-num display="yes">H. R. 4056</legis-num><current-chamber>IN THE HOUSE OF REPRESENTATIVES</current-chamber><action display="yes"><action-date date="20171012">October 12, 2017</action-date><action-desc><sponsor name-id="K000188">Mr. Kind</sponsor> introduced the following bill; which was referred to the <committee-name committee-id="HPW00">Committee on Transportation and Infrastructure</committee-name>, and in addition to the Committees on <committee-name committee-id="HBA00">Financial Services</committee-name>, and <committee-name committee-id="HWM00">Ways and Means</committee-name>, for a period to be subsequently determined by the Speaker, in each case for consideration of such
			 provisions as fall within the jurisdiction of the committee concerned</action-desc></action><legis-type>A BILL</legis-type><official-title display="yes">To amend the Robert T. Stafford Disaster Relief and Emergency Assistance Act and other laws to
			 return primary responsibility for disaster relief to the States, to
			 establish a private corporation to insure States against risks and costs
			 of disasters otherwise borne by the States, and to provide for
			 reimbursable Federal assistance to States for activities in response to
			 disasters, and for other purposes.</official-title></form>
	<legis-body id="H624FC0B13F4344C49F0F1102C1C95314" style="OLC">
		<section id="H05C89F29B46C4EB599A76475B9FEDA98" section-type="section-one"><enum>1.</enum><header>Short title and table of contents</header>
 <subsection id="HDB1F1FADDB2D474A830B57AC207B7DCA"><enum>(a)</enum><header>Short title</header><text>This Act may be cited as the <quote><short-title>Disaster Insurance Risk Equality Act</short-title></quote>.</text> </subsection><subsection id="HD008620570294C9F8558933522DC7FAB"><enum>(b)</enum><header>Table of contents</header><text>The table of contents for this Act is as follows:</text>
				<toc container-level="legis-body-container" lowest-bolded-level="division-lowest-bolded" lowest-level="section" quoted-block="no-quoted-block" regeneration="yes-regeneration">
					<toc-entry idref="H05C89F29B46C4EB599A76475B9FEDA98" level="section">Sec. 1. Short title and table of contents.</toc-entry>
					<toc-entry idref="HBAE976D25A0742ADA01CAFC697CCF1E4" level="section">Sec. 2. Findings and purposes.</toc-entry>
					<toc-entry idref="H1BF17A377A7549C499933B50489CCB9C" level="title">Title I—NATIONAL DISASTER INSURANCE PROGRAM</toc-entry>
					<toc-entry idref="H1F00F385EAB443C7AF2F2DB7E8223E14" level="section">Sec. 101. Disaster insurance program.</toc-entry>
					<toc-entry idref="H2ED727012F18420980ED88E50DBE9F3F" level="title">Title II—FEDERAL PROGRAM FOR REIMBURSABLE DISASTER RELIEF AND EMERGENCY ASSISTANCE</toc-entry>
					<toc-entry idref="HC10E0A0240D34ADC9634A518354E510F" level="section">Sec. 201. Findings and declarations.</toc-entry>
					<toc-entry idref="H5AD9B8A84CD84654907013B9579C60E0" level="section">Sec. 202. Waiver of administrative conditions.</toc-entry>
					<toc-entry idref="H13514016115C40F49525CDBB9F0CAB01" level="section">Sec. 203. Emergency support teams.</toc-entry>
					<toc-entry idref="H60322E08ED824D7DB699E84006AEA994" level="section">Sec. 204. Reimbursement.</toc-entry>
					<toc-entry idref="H16F3539D6BEE443F9CA76D8838AEDDDD" level="section">Sec. 205. Performance of services.</toc-entry>
					<toc-entry idref="H9CE72A5C9F7F4E6EA0BAFF34F4891708" level="section">Sec. 206. Reimbursement agreements and conditions.</toc-entry>
					<toc-entry idref="H520E32F0EB6E4FBA94C3BDB235ACF36B" level="section">Sec. 207. Treatment of assistance.</toc-entry>
					<toc-entry idref="H6F32546A09304F1FBF948F4345E812F6" level="section">Sec. 208. Liability.</toc-entry>
					<toc-entry idref="H534BD9D8F23344FDB95A05F9AB60522E" level="section">Sec. 209. Advance of State expenditures.</toc-entry>
					<toc-entry idref="H8980649B8EAD4BAA92CDCEE478877EF0" level="section">Sec. 210. Procedure for declaration of major disaster.</toc-entry>
					<toc-entry idref="H4DE2C2F16BB54B12ABED8D73210FD77B" level="section">Sec. 211. General Federal disaster assistance.</toc-entry>
					<toc-entry idref="H04B820D1EFAE4604AFD7E3EC08F541ED" level="section">Sec. 212. Essential disaster assistance.</toc-entry>
					<toc-entry idref="H299BC338415F4F26A09A8DD4C7D2849C" level="section">Sec. 213. Hazard mitigation.</toc-entry>
					<toc-entry idref="HB0E2FA7D78D9471E8E9DF66F4641F8B5" level="section">Sec. 214. Repair, restoration, and replacement of damaged facilities.</toc-entry>
					<toc-entry idref="H90CDDFFF896F448591C74AFED04AB121" level="section">Sec. 215. Debris removal.</toc-entry>
					<toc-entry idref="HBC3AC54B729449EFB3AD4A61A0C15B69" level="section">Sec. 216. Temporary housing assistance.</toc-entry>
					<toc-entry idref="H8CE78E769F5D482D8FABB4B5947F2759" level="section">Sec. 217. Unemployment assistance.</toc-entry>
					<toc-entry idref="H64944404CCB04880BA597BD2FA589789" level="section">Sec. 218. Crisis counseling assistance and training.</toc-entry>
					<toc-entry idref="HF766110E97F741CA87C6652D5367934A" level="section">Sec. 219. Community disaster loans.</toc-entry>
					<toc-entry idref="HF954936102C14AB6BCD6419F6773EDEE" level="section">Sec. 220. Emergency communications.</toc-entry>
					<toc-entry idref="HA578025DA5104DBF8F25572891C481D4" level="section">Sec. 221. Emergency public transportation.</toc-entry>
					<toc-entry idref="HC775327109754A3FA676F9E919F62548" level="section">Sec. 222. Fire suppression.</toc-entry>
					<toc-entry idref="H5BAD8DF4F4984E56BCD75AD3D6ABA826" level="section">Sec. 223. Timber sale contracts.</toc-entry>
					<toc-entry idref="H825586F62F4C47DC8B0C1E3D4CDB628B" level="section">Sec. 224. Simplified procedure.</toc-entry>
					<toc-entry idref="HA96E108411D54BA9BDC1371E0EA66A37" level="section">Sec. 225. Appeals of assistance decisions.</toc-entry>
					<toc-entry idref="HE071E62EF1E2469F9575B40354FA8021" level="section">Sec. 226. Procedure for declaration.</toc-entry>
					<toc-entry idref="H4EC9C57D8F414C38B1C4B0A94871C06C" level="section">Sec. 227. Federal emergency assistance.</toc-entry>
					<toc-entry idref="H39C7785E82374BA0A2813313C8B64773" level="section">Sec. 228. Amount of assistance.</toc-entry>
					<toc-entry idref="H01E5C6E95BFB4C7EACEF9564D1D32DEC" level="section">Sec. 229. Applicability.</toc-entry>
					<toc-entry idref="H826DD9F96D614BB8A28558779E425BE2" level="title">Title III—FEDERAL-AID HIGHWAYS</toc-entry>
					<toc-entry idref="H5C13FD38970C453C949D1E65E50FC7B4" level="section">Sec. 301. National standard for State participation in disaster insurance program.</toc-entry>
					<toc-entry idref="H90E8E481C6844C089CC29D67BF5657B0" level="section">Sec. 302. Emergency relief program for repair of highways.</toc-entry>
				</toc>
			</subsection></section><section id="HBAE976D25A0742ADA01CAFC697CCF1E4"><enum>2.</enum><header>Findings and purposes</header>
 <subsection id="HFD6F8444C11B404EAD7249471C0725F6"><enum>(a)</enum><header>Findings</header><text>The Congress finds that—</text> <paragraph id="HAAAD3D122D004623A1EB30903667EF37"><enum>(1)</enum><text>while disasters can strike anywhere within the United States, certain areas historically have been more susceptible or vulnerable to disasters;</text>
 </paragraph><paragraph id="H63C07A6CD78B4D3EBB3C9E3B8C184D84"><enum>(2)</enum><text>the Federal Government has assumed the financial responsibility for much of the emergency relief and reconstruction provided after disasters;</text>
 </paragraph><paragraph id="H7031522B5B4C4D7BA9EB65BE8283FB12"><enum>(3)</enum><text display-inline="yes-display-inline">the amount of Federal financial assistance provided for disaster relief and the annual disaster relief obligations of the Federal Emergency Management Agency have both been steadily increasing over time;</text>
 </paragraph><paragraph id="H74FB90B8F6594F21BA01278CCA5931DE"><enum>(4)</enum><text>the costs of disaster assistance have been spread disproportionately to all United States citizens rather than to citizens of the areas that are most directly affected; and</text>
 </paragraph><paragraph id="H7DE28768719247AAAA12325EFC8AF9EA"><enum>(5)</enum><text>an amendment to the Constitution of the United States requiring a balanced Federal budget would require major retrenchments in activities that assist citizens of the United States in times of crises and distress.</text>
 </paragraph></subsection><subsection id="H803C67DA896A4D14BA5171BF64303E0D"><enum>(b)</enum><header>Purposes</header><text>The purposes of this Act are—</text> <paragraph id="HD7C51ACB8D1E4E44809B154BCD6886AE"><enum>(1)</enum><text>to reaffirm the individual States’ primary responsibility for disaster relief;</text>
 </paragraph><paragraph id="HB32554BA8E4442BB9A85B4D0506D3CAE"><enum>(2)</enum><text>to restore the Federal Government’s role for disaster relief to one of secondary support, provided on a reimbursable basis, in unusual or special emergency situations that require services best provided by Federal agencies; and</text>
 </paragraph><paragraph id="H6D8A065D6309487B9580ED2C11D7296A"><enum>(3)</enum><text>to establish a private corporation to provide risk-based insurance to the individual States to assist the States in meeting their obligations in disaster relief.</text>
				</paragraph></subsection></section><title id="H1BF17A377A7549C499933B50489CCB9C"><enum>I</enum><header>NATIONAL DISASTER INSURANCE PROGRAM</header>
 <section id="H1F00F385EAB443C7AF2F2DB7E8223E14"><enum>101.</enum><header>Disaster insurance program</header><text display-inline="no-display-inline">The Robert T. Stafford Disaster Relief and Emergency Assistance Act (<external-xref legal-doc="usc" parsable-cite="usc/42/5121">42 U.S.C. 5121</external-xref> et seq.) is amended by adding at the end the following new title:</text>
				<quoted-block id="HF4ED7004605C4AB9A9A9DFF0FAF74C05" style="OLC">
					<title id="HD53886D4FBCA40C0BFAEBC0E558E0DDA"><enum>VIII</enum><header>DISASTER INSURANCE PROGRAM</header>
						<subtitle id="H161A9468AA8340998B0B620E53816C4E"><enum>A</enum><header>Insurance Program</header>
 <section id="H75AFCCB850B6402CB87438A49CDF61B3"><enum>801.</enum><header>Establishment of insurance program</header><text display-inline="no-display-inline">The National Disaster Insurance Corporation established under subtitle B shall establish and carry out an insurance program under this subtitle to provide coverage to States against certain losses and costs arising from disasters, which shall be funded solely by State premiums and payments and shall operate on an actuarially sound basis.</text>
							</section><section id="H44C748CDD88D4174A49CED394993E36E"><enum>802.</enum><header>Terms and conditions of insurance program</header>
 <subsection id="H6264AC7A38A24BA090E1A69C3DA5784E"><enum>(a)</enum><header>In general</header><text>The Corporation shall establish the terms and conditions for the provision of disaster insurance under the disaster insurance program of the Corporation, which shall include—</text>
 <paragraph id="H195D57CF80574F2B8804184690E68655"><enum>(1)</enum><text>the general terms and conditions of insurance coverage;</text> </paragraph><paragraph id="H3FD1C3A4553E4B37AAF2732473B7A04C"><enum>(2)</enum><text>limitations on the scope and amounts of coverage provided;</text>
 </paragraph><paragraph id="HA8150873F49449DD8AB728922CA49EAC"><enum>(3)</enum><text>the establishment, under section 804, of appropriate annual premium charges;</text> </paragraph><paragraph id="HCED71C38E3FB4698A87363A81B3FBE7D"><enum>(4)</enum><text>appropriate loss deductibles; and</text>
 </paragraph><paragraph id="HAB85BB3C7EFA4C36827B55125091844D"><enum>(5)</enum><text>the methods by which proved and approved claims for losses shall be adjusted and paid.</text> </paragraph></subsection><subsection id="H11C4D16C1FB64C0DA279463A9495290D"><enum>(b)</enum><header>Objectives</header><text>In establishing the terms and conditions under this section, the Corporation shall ensure that the insurance program accomplishes the following objectives:</text>
 <paragraph id="H816D3BC0A7224D7CAEAA71DF1BD2A953"><enum>(1)</enum><header>Recovery from disasters</header><text>The amount of coverage provided under the program shall be sufficient to provide State participants with amounts adequate for recovery from disasters.</text>
 </paragraph><paragraph id="H8836378B3CFC4F24BF57F19BA16EF316"><enum>(2)</enum><header>Equitable distribution of risks and costs</header><text>The risks and costs of disasters shall be equitably distributed among the State participants.</text> </paragraph><paragraph id="HCC2AE313D8474DF48F4364A08939E452"><enum>(3)</enum><header>Participation</header><text>Participation in the program by all States shall be encouraged.</text>
 </paragraph></subsection><subsection id="H8031077A9E8147DB873EB067C9F5572F"><enum>(c)</enum><header>Assistance</header><text>The terms and conditions of the insurance program shall be established in consultation with the Administrator of the Federal Emergency Management Agency, the Disaster Insurance Advisory Committee under section 826, and other relevant Federal agencies and shall be effective only if approved by the Administrator and the Advisory Committee.</text>
								</subsection></section><section id="H00EA81425EBF4338B2077527E3967AB2"><enum>803.</enum><header>Coverage</header>
 <subsection id="H48953460E74A4D01AC215D340FA524D7"><enum>(a)</enum><header>In general</header><text>The insurance program shall provide insurance coverage under this subtitle for each participant in the Corporation. The initial coverage available under the program shall take effect on October 1, 2019.</text>
 </subsection><subsection id="H98F6E4F0366B4838B81FDEC8297FF7E5"><enum>(b)</enum><header>Eligible insureds</header><text>The insurance program may provide insurance coverage only to participants and each State shall be eligible to become a participant pursuant to the requirements of section 821(d).</text>
 </subsection><subsection id="H1F8C56095B954B59B35B09BAC1489FA2"><enum>(c)</enum><header>Scope of coverage</header><text>The insurance program may provide coverage only for the following losses and costs to a participant that arise from a disaster:</text>
 <paragraph id="H8710CDFAD37C40D2AE4BCE3FD5B11499"><enum>(1)</enum><header>Lifesaving measures</header><text>Costs of performing any work or services essential to saving lives and protecting and preserving property or public health and safety, including—</text>
 <subparagraph id="HB7FBD674C6D9469683F2E441B9FF0FAF"><enum>(A)</enum><text>removing debris and wreckage;</text> </subparagraph><subparagraph id="H9DF633FD400F4882A85C394DB9963E34"><enum>(B)</enum><text>conducting search and rescue, and providing emergency medical care, emergency mass care, emergency shelter, food, water, medicine, and other essential needs, including movement of supplies or persons;</text>
 </subparagraph><subparagraph id="H47F7483C01E24B59BEDFAC6A1A48C353"><enum>(C)</enum><text>clearing roads and constructing temporary bridges necessary to the performance of emergency tasks and essential community services;</text>
 </subparagraph><subparagraph id="H2838EF5604704B6EBAD17373C8912A71"><enum>(D)</enum><text>providing temporary facilities for schools and other essential community services;</text> </subparagraph><subparagraph id="HEF47FAF4522D4FF9A0A7E3D0F0922E5C"><enum>(E)</enum><text>demolishing unsafe structures that endanger the public;</text>
 </subparagraph><subparagraph id="HEDF1C03DE4E64962B7BDE34246F16A64"><enum>(F)</enum><text>warning of further risks and hazards;</text> </subparagraph><subparagraph id="HB0E938429E7445219DA3F619D95EF1FE"><enum>(G)</enum><text>disseminating of public information and assistance regarding health and safety measures; and</text>
 </subparagraph><subparagraph id="HC6B6B7EFDF324CB78117E67953C3D4A9"><enum>(H)</enum><text>reducing immediate threats to life, property, and public health and safety.</text> </subparagraph></paragraph><paragraph id="HF8F0C2D5C969477C84BBC25D2E8F4300"><enum>(2)</enum><header>Distribution of food and medical assistance</header><text>Costs of distributing or rendering food, medicine, and other consumable supplies, and other services and assistance to victims of the disaster.</text>
 </paragraph><paragraph id="H897D4168839440DCA7BF4A93BF67A1E7"><enum>(3)</enum><header>Coordination</header><text>Costs of coordinating relief efforts.</text> </paragraph><paragraph id="H2693B6794469442DB29BA4C35F07F2F5"><enum>(4)</enum><header>Technical advice</header><text>Costs of obtaining technical advice regarding—</text>
 <subparagraph id="H98C21A94358A49A18FCDE4272CDBCF60"><enum>(A)</enum><text>disaster management and control;</text> </subparagraph><subparagraph id="H9BC4EF6E194E49D7A7AAA23B0D977D41"><enum>(B)</enum><text>performing essential community services; and</text>
 </subparagraph><subparagraph id="H49FA362A012E43F194A0C195F7008F19"><enum>(C)</enum><text>disseminating information regarding public health and safety, issuing warnings of risks and hazards.</text>
 </subparagraph></paragraph><paragraph id="H93FB653DAB3A456BB5A2A65FEC4876C0"><enum>(5)</enum><header>Hazard mitigation</header><text>Costs of conducting hazard mitigation measures that the Corporation determines to be cost-effective and that will substantially reduce the risk of future damage, hardship, loss, or suffering in any area affected by the disaster.</text>
 </paragraph><paragraph id="H39F13A3645D649039F72D1D25DE34881"><enum>(6)</enum><header>Repair and replacement of damaged facilities and residences</header><text>Costs for the repair, restoration, reconstruction, or replacement of facilities (including public, private, and private nonprofit facilities, and commercial and agricultural facilities) and residences that are damaged or destroyed by the disaster and for associated expenses incurred by the owners of the facilities and residences, and losses from damage or destruction to such facilities and residences.</text>
 </paragraph><paragraph id="HE4294CBEE1074619B1DF29D6252653F2"><enum>(7)</enum><header>Temporary housing</header><text>Costs of providing, by purchase or lease, temporary housing (including unoccupied habitable dwellings), suitable rental housing, mobile homes, or other readily fabricated dwellings to persons who, as a result of the disaster, require temporary housing.</text>
 </paragraph><paragraph id="H0942CD78804140B19C4618B3D69E3924"><enum>(8)</enum><header>Temporary mortgage and rental payments</header><text>Costs of providing assistance on a temporary basis in the form of mortgage or rental payments to or on behalf of individuals and families who, as a result of financial hardship caused by the disaster, have received written notice of dispossession or eviction from a residence by reason of a foreclosure of any mortgage or lien, cancellation of any contract of sale, or termination of any lease, entered into prior to such disaster, except that such costs may not cover assistance provided for a duration exceeding the period of financial hardship or 18 months, whichever is less.</text>
 </paragraph><paragraph id="H2B95E1B4F0384E879C931F20D8195579"><enum>(9)</enum><header>Counseling</header><text>Costs of professional counseling services to victims of the disaster to relieve mental health problems caused or aggravated by the disaster or its aftermath.</text>
 </paragraph><paragraph id="HEE48C65E8E174A9AB91869E8DE4DC9AC"><enum>(10)</enum><header>Lost revenue</header><text>Loss to a participant of a substantial portion of tax and other revenues, but only if the participant demonstrates a need for reimbursement of such losses to perform its governmental functions.</text>
 </paragraph><paragraph id="H7E28E39AC33142019BED5E666AABAFBC"><enum>(11)</enum><header>Temporary communications</header><text>Costs of establishing temporary communications systems in the area affected by the disaster.</text> </paragraph><paragraph id="H57CC084A3096494CB02CF9411103E4D5"><enum>(12)</enum><header>Temporary public transportation</header><text>Costs of providing temporary public transportation service in the area affected by the disaster to meet emergency needs and to provide transportation to governmental offices, supply centers, stores, post offices, schools, major employment centers, and such other places as may be necessary in order to enable the community to resume its normal pattern of life as soon as possible.</text>
 </paragraph><paragraph id="H4066E4586C114064B7892323CC5E9406"><enum>(13)</enum><header>Fire suppression</header><text>Costs of equipment, supplies, and personnel for the suppression of any fire on publicly or privately owned forest or grassland.</text>
 </paragraph><paragraph id="H3325BF37EDBE4960A1B010E7381ADF0A"><enum>(14)</enum><header>Loan and assistance programs</header><text>Losses and costs associated with providing the following assistance:</text> <subparagraph id="H1FC1C518525641DF93E01FB364776C00"><enum>(A)</enum><header>Small business loans</header><text>Loans for—</text>
 <clause id="HF1FB89DA89F84F60ABD7D685D2EC277D"><enum>(i)</enum><text>the repair, rehabilitation, or replacement of properties of small business concerns that are damaged or destroyed as a result of the disaster;</text>
 </clause><clause id="H1FF350BF59574460AF3C92B133B8357C"><enum>(ii)</enum><text>refinancing mortgages or other liens against residences and properties of small business concerns that are destroyed or substantially damaged as a result of the disaster; and</text>
 </clause><clause id="H30DEEAB947344F2D8CE654EF6903833B"><enum>(iii)</enum><text>assisting small business concerns that suffer substantial economic injury as a result of the disaster.</text>
 </clause></subparagraph><subparagraph id="H15A513ADE77D43948E67526AC243102C"><enum>(B)</enum><header>Farm loans</header><text>Emergency loans to persons whose farming, ranching, or aquaculture operations have been substantially affected by a disaster.</text>
 </subparagraph><subparagraph id="H6B0136EADC844F76B7CDE18EA1A7751D"><enum>(C)</enum><header>Highway repair</header><text>Assistance for the repair or reconstruction of highways, roads, and trails that suffer serious damage as the result of the disaster.</text>
 </subparagraph><subparagraph id="H2C95AABC2E2940C28AA430FDAD5A54B5"><enum>(D)</enum><header>Insurance of loans for single family homes</header><text>Insurance for mortgages and rehabilitation loans for 1- to 4-family residences of mortgagors and borrowers whose residences are destroyed or damaged as a result of the disaster.</text>
 </subparagraph></paragraph><paragraph id="H779CD65C9700428F981C4721B026C464"><enum>(15)</enum><header>Other</header><text>Any other costs or losses sustained in providing disaster relief in the State, that are determined by the Corporation to be appropriate and which are not inconsistent with the provisions of this subtitle.</text>
 </paragraph></subsection><subsection id="H7972C690679B4F0EBFFDA6715E94CDBB"><enum>(d)</enum><header>Prohibited coverage</header><text>The insurance program may not provide coverage for the following losses and costs:</text> <paragraph id="HEAB472940B624765A44E13C25BC34BE0"><enum>(1)</enum><header>Nondisaster losses</header><text>Any losses or costs not arising from a disaster.</text>
 </paragraph><paragraph id="H5147296839FD493092B9C62864DDE005"><enum>(2)</enum><header>Federal facilities</header><text>Any losses or costs sustained by or relating to Federal facilities.</text> </paragraph></subsection></section><section id="H71C6C02A360E4DF48CA92A80CEFB98C2"><enum>804.</enum><header>Annual premium charges</header> <subsection id="H7EB81C7E17F249039FB3B5499EDCFA4F"><enum>(a)</enum><header>General authority</header><text>The Corporation shall require each State, as a condition of participation in the Corporation and coverage under the insurance program during any fiscal year, to make a premium payment to the Corporation for such fiscal year in an amount determined in accordance with this section. The Corporation shall annually review the premium payments charged to each participant and, if appropriate, adjust such payment amounts.</text>
 </subsection><subsection id="H2E79346C074B4260A7BE0436475B3719"><enum>(b)</enum><header>Establishment of charges</header><text>The premium payments established under this section shall be—</text> <paragraph id="H06E26904C9764201B05F9CD1C81032DF"><enum>(1)</enum><text>established using generally accepted actuarial principles;</text>
 </paragraph><paragraph id="HB83D22C30E0D4B348F14E757F5764B97"><enum>(2)</enum><text>to the maximum extent practicable, based on a consideration of the respective risks involved, including differences in—</text>
 <subparagraph id="HE31FFAA1563F4B559B47B091DB67B339"><enum>(A)</enum><text>the risk of occurrence of disasters;</text> </subparagraph><subparagraph id="H16D3A95B84A1414D9B7B13CBBB62319D"><enum>(B)</enum><text>hazard mitigation measures in place, including any disaster preparedness plan of the participant for mitigation, warning, emergency operations, rehabilitation, and recovery;</text>
 </subparagraph><subparagraph id="H3C97903704C54971ABF52D10FE690682"><enum>(C)</enum><text>anticipated covered losses and costs in the event of a disaster; and</text> </subparagraph><subparagraph id="HF797951B6E8B489999751B8204609B8D"><enum>(D)</enum><text>the extent to which other sources of insurance or assistance will cover costs and losses for types of property and activities covered in a State; and</text>
 </subparagraph></paragraph><paragraph id="HE192DAEEED604DB1A5CF6A8E6A1C9307"><enum>(3)</enum><text>adequate, on the basis of generally accepted actuarial principles, to provide—</text> <subparagraph id="H9F8AF6BD7A6F4AD6BCDA020F4E34BD2D"><enum>(A)</enum><text>amounts in the reserve account of the Corporation under section 823 for anticipated claims; and</text>
 </subparagraph><subparagraph id="HAC6CF077C1E54D1BAE9768BB3E70C3F9"><enum>(B)</enum><text>for any administrative and operating expenses of the Corporation in carrying out the insurance program.</text>
 </subparagraph></paragraph></subsection><subsection id="H755817E3646944099743951D04FB7A81"><enum>(c)</enum><header>Certification of premium charges</header><text>The Corporation may not assess any premium charges established under this section before the charges have been certified as actuarially sound by the Disaster Insurance Advisory Commission established by section 826.</text>
 </subsection><subsection id="H996861314C88451DB100A2362681F107"><enum>(d)</enum><header>Credit for initial contributions</header><text>The Corporation shall credit the amount of the payment made by a State pursuant to section 821(d)(1) toward any premium charges under this section owed by the State.</text>
								</subsection><subsection id="HF0A1A538D8E7498580D54045DE55AABC"><enum>(e)</enum><header>Federal contribution</header>
 <paragraph id="H09B6F048EC134825801CC67A5BA7600C"><enum>(1)</enum><header>Credit toward premiums</header><text>For each fiscal year, the amount of the premium charges owed for such fiscal year by each State that is participating in the Corporation and the insurance program under this subtitle shall be reduced by the amount determined for such State under paragraph (2).</text>
 </paragraph><paragraph id="HEFEADFB23CDD4DECBD59B4AD55379101"><enum>(2)</enum><header>Amount</header><text display-inline="yes-display-inline">For a fiscal year, the amount determined under this paragraph for each State that is a participant shall be the amount that bears the same percentage to the full premium charges owed by such State for such fiscal year as the total amount appropriated pursuant to paragraph (3) for such fiscal year bears to the sum of all premium charges owed by all participating States for such fiscal year.</text>
 </paragraph><paragraph id="H46987D8BF5054A5E98382C47745B69D6"><enum>(3)</enum><header>Authorization of appropriations</header><text>There is authorized to be appropriated to the Corporation for each fiscal year an amount equal to 10 percent of the sum of all premium charges owed by all States participating in the Corporation and the insurance program under this subtitle for such fiscal year.</text>
									</paragraph></subsection></section><section id="H19A7E74231B24AE0BBE2ACDF9AAEC291"><enum>805.</enum><header>Claims</header>
 <subsection id="H90E3E694371B4FA6AE4539527F02E0BA"><enum>(a)</enum><header>Procedure</header><text>The Corporation shall adjust and pay all claims for proved and approved losses and costs covered by insurance provided under this subtitle.</text>
 </subsection><subsection id="H5E7BD638E4C74D7BB80FECB1D7A83A2C"><enum>(b)</enum><header>Effect of duplicative coverage</header><text>The amount of any claim paid for losses or costs under the insurance program may not include any amount for any portion of such losses or costs covered by amounts provided under any other source of insurance or financial assistance.</text>
								</subsection><subsection id="H31BD221078F94FE7BF013BE9A8A0D0F4"><enum>(c)</enum><header>Effect of flood insurance coverage</header>
 <paragraph id="HFC25BE54D3674CE3B97C5F444EED5D51"><enum>(1)</enum><header>Reduction of federal assistance</header><text>If a facility or residence located in a special flood hazard area identified for more than 1 year by the Administrator pursuant to the National Flood Insurance Act of 1968 is damaged or destroyed by flooding in a disaster and such facility or residence is not covered on the date of such flooding by flood insurance, the amount of a claim for coverage under this subtitle which would otherwise be paid under the insurance program under this subtitle for costs of repair, restoration, reconstruction, and replacement of such facility or residence and associated expenses shall be reduced in accordance with paragraph (2).</text>
 </paragraph><paragraph id="HF52639D0775B45E6B77AD740E07DE299"><enum>(2)</enum><header>Amount of reduction</header><text>The amount of the reduction in a claim for a facility or residence pursuant to paragraph (1) shall be the lesser of—</text>
 <subparagraph id="H4B9A5A890EE042FA9392B866E646AA58"><enum>(A)</enum><text>the value of such facility or residence on the date of the flood damage or destruction; or</text> </subparagraph><subparagraph id="H603D6EDB65274FA48B999911618EB889"><enum>(B)</enum><text>the maximum amount of insurance proceeds which would have been payable with respect to such facility or residence if such facility had been covered by flood insurance under the National Flood Insurance Act of 1968 on such date.</text>
 </subparagraph></paragraph><paragraph id="H57C4D42952214568B484520B629CE728"><enum>(3)</enum><header>Exception</header><text>Paragraphs (1) and (2) shall not apply to a private nonprofit facility or residence that is not covered by flood insurance solely because of the local government’s failure to participate in the flood insurance program under the National Flood Insurance Act of 1968.</text>
 </paragraph></subsection><subsection id="HF9766DF4613544AE868AA699661E490C"><enum>(d)</enum><header>Cause of action</header><text display-inline="yes-display-inline">If the Corporation disallows a claim or the claimant refuses to accept the amount allowed upon any claim, the claimant may, before the expiration of the 1-year period beginning upon the claimant’s receipt of written notice of the disallowance or partial disallowance of the claim, institute an action on such claim against the Corporation in the United States District Court for the District of Columbia. Original exclusive jurisdiction is hereby conferred upon such Court to hear and determine such action without regard to the amount in controversy.</text>
								</subsection></section></subtitle><subtitle id="H69CB8CCE7EAA4F04AAECF01623F3C151"><enum>B</enum><header>National Disaster Insurance Corporation and Disaster Insurance Advisory Commission</header>
							<section id="HC297C58D698744A8B866BF8B10DCD207"><enum>821.</enum><header>National disaster insurance corporation</header>
 <subsection id="HA9431F39EB404D72BA6BF8A61215D0AA"><enum>(a)</enum><header>Establishment</header><text>There is authorized to be established a body corporate to be known as the National Disaster Insurance Corporation, which shall be subject to the provisions of this title. The Corporation shall not be an agency or establishment of the Federal Government. The principal office of the Corporation shall be located in the District of Columbia or the metropolitan area thereof.</text>
 </subsection><subsection id="HCD27A95487D943D28A706FC94BFF8C54"><enum>(b)</enum><header>Function</header><text>The purpose of the Corporation shall be to carry out the insurance program under subtitle A.</text> </subsection><subsection id="H3BFE7223A60141BCB960DE153BB1D02B"><enum>(c)</enum><header>Governance</header> <paragraph id="H11A782EE09C54971B9F83FE2E5C52390"><enum>(1)</enum><header>Board of directors</header><text>The Corporation shall be under the direction of a board of directors who shall be elected by the participants in the Corporation. Members of the board shall not be considered, by reason of such membership, to be employees of the Federal Government.</text>
 </paragraph><paragraph id="HE15EEE6364CD4307A426F3004BE7E6E4"><enum>(2)</enum><header>Initial board</header><text>Except as otherwise provided by the Corporation pursuant to section 822(2)—</text> <subparagraph id="H19B1560349C8440BB6D0A6BE0120B072"><enum>(A)</enum><text>the board shall be composed of 7 members, selected by a majority of the participants in the Corporation through an election (i) that shall take place at the initial organizational meeting of the Corporation held pursuant to subsection (e)(1), and (ii) in which each of the participants shall have 1 vote; and</text>
 </subparagraph><subparagraph id="H1425511BA2584A9887688C32B1FC8CCF"><enum>(B)</enum><text>the term of each member of the board shall be 5 years.</text> </subparagraph></paragraph></subsection><subsection id="H926E72DD472B4FE2B95905B1F7BC0208"><enum>(d)</enum><header>Participants</header><text>A State shall be considered as a participant in the Corporation for purposes of this title only if the State complies with the following requirements:</text>
 <paragraph id="HBD92330FE89D4AAFAE8D691B4F90FAFA"><enum>(1)</enum><header>Initial contribution</header><text display-inline="yes-display-inline">The State has made a payment to the Corporation (or to the Administrator pursuant to subsection (e)(2)) in an amount equal to 1 percent of the aggregate amount of Federal financial assistance provided, during fiscal years 2009 through 2018, to the State (or to or on behalf of persons or property located in the State) for disaster relief relating to a major disaster or emergency declared under this Act, as determined by the Administrator. For purposes of this paragraph, the term <quote>Federal financial assistance</quote> shall include any grant, payment, subsidy, or loan provided by any agency of the Federal Government, and the amount of assistance provided under a loan shall be considered to be an amount equal to the principal obligation under the loan.</text>
 </paragraph><paragraph id="H2721435F190A41E3920C15A51AE829AC"><enum>(2)</enum><header>Payment of premium charges</header><text>The State has paid any premium charges assessed for such State pursuant to section 804, in accordance with the requirements established by the Corporation for payment of such charges.</text>
									</paragraph><continuation-text continuation-text-level="subsection">For purposes of the organizational meeting under subsection (e)(1), any State that complies with
			 paragraph (1) of this subsection shall be considered as a participant.</continuation-text></subsection><subsection id="H588A03955AF041818572DC09D482FD18"><enum>(e)</enum><header>Initial organization</header>
 <paragraph id="H69C7ECC6605F4F7BBF1B190B1661DF98"><enum>(1)</enum><header>Organizational meeting</header><text>The Administrator shall call an organizational meeting for the Corporation to be held not later than August 31, 2019, at which the participants shall elect the initial members of the board of directors and shall take such other actions as may be necessary to establish the Corporation in accordance with this title. The Administrator shall notify each State of the meeting and the purposes of the meeting and shall organize and chair the meeting.</text>
 </paragraph><paragraph id="H09EC8383A468418B8D6D6A8B323767D5"><enum>(2)</enum><header>Collection of initial contributions</header><text>Before the organization of the Corporation pursuant to paragraph (1), the Administrator shall collect payments under subsection (d)(1) on behalf of the Corporation.</text>
 </paragraph></subsection><subsection id="HD905D1D92FC44D3693836FC2EC263D2C"><enum>(f)</enum><header>Ownership</header><text>The Corporation shall be privately owned by the participants in the insurance program. Obligations and indebtedness of the Corporation shall not be considered obligations and indebtedness of the Federal Government or guaranteed by the Federal Government.</text>
 </subsection><subsection id="HE315DF47693C4A8882E34844282591E2"><enum>(g)</enum><header>Officers and employees</header><text>The Corporation may appoint and hire officers and employees at the discretion of the Corporation, but may not pay any officer or employee at a rate exceeding the rate of basic pay payable for level IV of the Executive Schedule. Any such officers and employees shall not be considered officers or employees of the Federal Government and shall not be subject to the provisions of title 5, United States Code.</text>
 </subsection><subsection id="H5CEF91412D1349B9B881B4474AD17B69"><enum>(h)</enum><header>Powers</header><text>The Corporation shall have the power—</text> <paragraph id="H3E5B807EA3784BD6BE8453A4CE3AEB07"><enum>(1)</enum><text>to adopt, alter, and use a corporate seal;</text>
 </paragraph><paragraph id="HA09C6C4B617A437E8D6A79034FFD97C2"><enum>(2)</enum><text>to make and enforce contracts and agreements appropriate to carry out this title;</text> </paragraph><paragraph id="H0ADEE11991A6431694C27CD770C2DAFF"><enum>(3)</enum><text>to settle, adjust, compromise, and release claims against the corporation;</text>
 </paragraph><paragraph id="HAFC658B25C7B47C1AA6303A20288727F"><enum>(4)</enum><text>to sue and be sued;</text> </paragraph><paragraph id="HA18D45EF6C77463EAED6C4377545AC53"><enum>(5)</enum><text>to acquire, hold, and own, and deal with and dispose of real and personal property to the extent appropriate to carry out this title;</text>
 </paragraph><paragraph id="H9F4A6B8251EE4113A19406AAB3D118C6"><enum>(6)</enum><text>to have succession until dissolved by an Act of Congress; and</text> </paragraph><paragraph id="H7AEF192631EF4725A1C3AB12CC9C9686"><enum>(7)</enum><text>to exercise all other lawful powers necessary or appropriate to carry out this title.</text>
 </paragraph></subsection></section><section id="H9E0890715F3643B889116ED3DF2AA240"><enum>822.</enum><header>Structure and operations</header><text display-inline="no-display-inline">After consultation with the Administrator and other appropriate Federal agencies, the Corporation shall establish appropriate guidelines for the structure and operation of the Corporation and the insurance program, which—</text>
 <paragraph id="H5C9BA9B8F41D467B9C1E12A0DF4453D3"><enum>(1)</enum><text>shall include standards relating to the vacancies, bylaws, and powers of the board;</text> </paragraph><paragraph id="H6A5A6BC0406645C3BD837DF8F2387DC0"><enum>(2)</enum><text>may include provisions, applicable only after October 1, 2019, establishing the composition of the board and the terms of office of the members of the board other than as provided for in section 821(c)(2); and</text>
 </paragraph><paragraph id="HB5455ABE087C477BB5A4DCDD3B5E044B"><enum>(3)</enum><text>shall include a minimum capital requirement pursuant to section 823(d).</text> </paragraph></section><section id="HA261A6F85428415D85E0B09E281B50D2"><enum>823.</enum><header>Reserve account</header> <subsection id="HBB9551598C6241FA93E036130E912DE2"><enum>(a)</enum><header>Establishment</header><text>The Corporation shall establish and manage a reserve account for the operation of the insurance program.</text>
 </subsection><subsection id="H260D2EC0D6DD40558C4B4D25F521D29F"><enum>(b)</enum><header>Credits</header><text>The reserve account of the Corporation shall be credited with—</text> <paragraph id="H7199719B66B14BB2843FA578352A6F03"><enum>(1)</enum><text>any premium charges under section 804 collected by the Corporation;</text>
 </paragraph><paragraph id="H42D0509E65B8463F9A1D63DE509CF62D"><enum>(2)</enum><text>any amounts appropriated for the Corporation pursuant to sections 804(e)(3) and 825(a); and</text> </paragraph><paragraph id="HE44269BFC74F4582BB954A4F0AE8794A"><enum>(3)</enum><text>any interest earned on investments of the Corporation pursuant to subsection (c)(2).</text>
 </paragraph></subsection><subsection id="HF0C01E6F73234107B6E771195F677A73"><enum>(c)</enum><header>Use</header><text>Amounts in the reserve account of the Corporation shall be available—</text> <paragraph id="H09E4023A1959498CBA64E9C5D5CF7AEA"><enum>(1)</enum><text>for payment of qualifying claims under the insurance program of participants, consistent with the terms and conditions established under section 802(a);</text>
 </paragraph><paragraph id="HEAF83F655D154F309830C248B9E162FA"><enum>(2)</enum><text>to the extent that the Corporation determines that such amounts are in excess of current needs and the amount required to be held in the reserve account pursuant to subsection (d), for investment as the Corporation considers appropriate;</text>
 </paragraph><paragraph id="H2636AAC5FE764CCA9626F4F3EC652547"><enum>(3)</enum><text>for covering the costs of the Corporation and administering and operating the insurance program; and</text>
 </paragraph><paragraph id="H673108729BD548148A5B6DAE953AAE7F"><enum>(4)</enum><text>for covering travel expenses of members of the Disaster Insurance Advisory Commission established by section 826.</text>
									</paragraph></subsection><subsection id="H4FA66E385D0140F982392B270DE9C924"><enum>(d)</enum><header>Minimum capital requirement</header>
 <paragraph id="HFABF146D63604D02842F7DD2B1ACA640"><enum>(1)</enum><header>In general</header><text>The Corporation shall at all times maintain amounts in the reserve account equal to or in excess of the applicable minimum capital level determined under paragraph (2).</text>
 </paragraph><paragraph id="H1AF671BD817E4FF7B4E63D255E27F10A"><enum>(2)</enum><header>Establishment of capital levels</header><text>The Corporation shall establish a series of minimum capital levels appropriate to ensure sufficient capitalization of the Corporation based on the nature and extent of the underwriting, investment, and other risks assumed by the Corporation. The capital levels shall not be effective unless approved by the Administrator.</text>
 </paragraph></subsection><subsection id="HC474C4E03D624E09AEDED7EA2FE3B0D2"><enum>(e)</enum><header>Tax-Exempt status</header><text>Any amounts deposited in the reserve account, including income derived from the investment of amounts under subsection (c)(2), shall be exempt from all taxation now or hereafter imposed by the United States, or by any State, county, municipality, or local taxing authority.</text>
								</subsection></section><section id="H5478E505CBF94E35943539E49FEFB9F7"><enum>824.</enum><header>Borrowing authority</header>
 <subsection id="HCC0568305FD4418A90B9C70948C6BA31"><enum>(a)</enum><header>In general</header><text>To the extent that the amounts in the reserve fund are insufficient to pay claims and expenses of the Corporation and maintain amounts in accordance with the requirements under section 823(d), the Corporation may issue to the Secretary of the Treasury notes and other obligations to cover the insufficiency.</text>
 </subsection><subsection id="H48768E4F2D074BFDA41E5B53A6ACB694"><enum>(b)</enum><header>Terms of borrowing</header><text>The Secretary may purchase obligations issued under subsection (a) only if the President determines that the financial condition of the Corporation is adequate to ensure repayment of the obligations. Such obligations shall have terms and conditions as determined by the Secretary of the Treasury.</text>
								</subsection></section><section id="HCBF4B436B1FE485E97D12619A975FD9F"><enum>825.</enum><header>Initial federal contribution and prohibition of additional federal assistance</header>
 <subsection id="H2FE905EFBF294FB791781364908CEE4E"><enum>(a)</enum><header>Authorization of appropriations</header><text>For purposes of carrying out this title, there is authorized to be appropriated to the Corporation an amount equal to the difference between—</text>
 <paragraph id="HFB91A6E827F041DBAFCEC4719E89B46B"><enum>(1)</enum><text>the sum of any balances remaining, at the end of September 30, 2019, in the Disaster Relief appropriation and the Disaster Assistance Direct Loan Program Account of the Federal Emergency Management Agency; and</text>
 </paragraph><paragraph id="HCCE4B2766E94420A936F36A463DAEE8F"><enum>(2)</enum><text>the amounts determined by the Administrator to be necessary to reserve from such appropriation and in such Account,</text>
									</paragraph><continuation-text continuation-text-level="subsection">for purposes of providing assistance pursuant to any major disaster or emergency
			 that commences or occurs (or is declared or determined to have commenced
 or occurred) on or before September 30, 2019.</continuation-text></subsection><subsection id="HA2BB0360B33E478192093FCF9F027D06"><enum>(b)</enum><header>Prohibition of federal assistance</header><text>Except as provided in subsection (a), section 804(e), and section 824, no Federal funds may be authorized, appropriated, or used to fund any activity of the Corporation.</text>
								</subsection></section><section id="H966509EB515B442C8777871C8831639D"><enum>826.</enum><header>Disaster insurance advisory commission</header>
 <subsection id="H351117AB4A40436EA29B5A11797B826B"><enum>(a)</enum><header>Establishment</header><text>There is hereby established a commission to be known as the Disaster Insurance Advisory Commission (in this section referred to as the <quote>Commission</quote>).</text>
								</subsection><subsection id="H58F0C1F444A644FA84DC2C59638B007B"><enum>(b)</enum><header>Membership</header>
 <paragraph id="H6744E63F7BD846B6BF489F515EFB2FAA"><enum>(1)</enum><header>Appointment</header><text>The Commission shall be composed of 11 members appointed by the President, in consultation with the Administrator. Of the members of the Commission, not less than 6 shall be individuals who have been nominated for such appointment by States that are participants in the Corporation, except that (to the extent possible) not more than one such member may be appointed to the Commission pursuant to the nomination of any single State. Each member of the Commission shall have experience or expertise in at least one of the areas described in subparagraphs (A) through (D) of paragraph (2).</text>
 </paragraph><paragraph id="HA65C30428172498F91500B8BF3E77CE4"><enum>(2)</enum><header>Expertise</header><text>The membership of the Commission shall, at all times, include—</text> <subparagraph id="H53E7B2D15BFD41A68AD3625D4DCCE929"><enum>(A)</enum><text>not less than 1 individual who has experience or expertise in actuarial issues relating to disaster insurance;</text>
 </subparagraph><subparagraph id="H0EA750934799414BB82D52D315E816BB"><enum>(B)</enum><text>not less than 1 individual who has experience or expertise in the management of insurance companies;</text>
 </subparagraph><subparagraph id="H8B93135B11FC4D42B37202341EBF4345"><enum>(C)</enum><text>not less than 1 individual who has experience or expertise in the regulation of insurance companies; and</text>
 </subparagraph><subparagraph id="H06381641AB9C4217999A027899BEADBD"><enum>(D)</enum><text>not less than 1 individual who has experience or expertise in disaster relief.</text> </subparagraph></paragraph><paragraph id="H447F10327A4249908DBE009279B96B11"><enum>(3)</enum><header>Terms</header> <subparagraph id="H92110D2480C64F29A48C2446C7A39E2A"><enum>(A)</enum><header>In general</header><text>Each member of the Commission shall be appointed for a term of 4 years, except as provided in subparagraph (B).</text>
 </subparagraph><subparagraph id="HF2E15D0EF120422EB17BDF1771D1ADF5"><enum>(B)</enum><header>Initial appointees</header><text>As designated by the President at the time of appointment, of the members first appointed to the Commission—</text>
 <clause id="H059ADE284F9F4CE6A7081AA688B00C34"><enum>(i)</enum><text>5 shall be appointed for terms of 6 years; and</text> </clause><clause id="H0F933D79D0B64F28987A2F9E975E1E80"><enum>(ii)</enum><text>6 shall be appointed for terms of 4 years.</text>
 </clause></subparagraph></paragraph><paragraph id="H5671DDF81BEB4198AF5492FE06E46B08"><enum>(4)</enum><header>Chairperson</header><text>The President shall designate a chairperson of the Commission from among members appointed to the Commission.</text>
 </paragraph></subsection><subsection id="HE68F62325898416A90C2DA1CFF6A7DC0"><enum>(c)</enum><header>Prohibition of pay</header><text>Members of the Commission shall serve without pay.</text> </subsection><subsection id="H9D52D372CBF849E1819026B9446ACD62"><enum>(d)</enum><header>Travel expenses</header><text>Each member of the Commission shall receive travel expenses, including per diem in lieu of subsistence, in accordance with sections 5702 and 5703 of title 5, United States Code, except that such expenses shall be paid by the Corporation.</text>
 </subsection><subsection id="HCE02E5CD1C224706B234E8FAACEF49F8"><enum>(e)</enum><header>Duties</header><text>The Commission shall—</text> <paragraph id="HB7A25CCF85974ECBA7C247692E97F5A4"><enum>(1)</enum><text>in coordination with the Administrator, assist the Corporation in establishing the terms and conditions of the insurance program under subtitle A, review such terms and conditions, and approve or disapprove such terms and conditions as appropriate to carry out this title; and</text>
 </paragraph><paragraph id="H81BA62DF47EB4B59897D8D7EE79C4405"><enum>(2)</enum><text>review the annual premium charges established under section 804 by the Corporation to determine whether such charges are established in compliance with the requirements of such section, and if so, certify such compliance to the Corporation.</text>
 </paragraph></subsection><subsection id="H741531DCC7C849F5A9D58DFC71159182"><enum>(f)</enum><header>Continuation</header><text>Section 14(a)(2)(B) of the Federal Advisory Committee Act (5 U.S.C. App.; relating to the termination of advisory committees) shall not apply to the Commission.</text>
								</subsection></section><section id="HE949B96D7F334024BB7102E612E54C7F"><enum>827.</enum><header>GAO audit</header>
 <subsection id="H0B707434A35841688CF447A63EECFFF8"><enum>(a)</enum><header>Initial audit</header><text>As soon as practicable after October 1, 2019, the Comptroller General of the United States shall audit the activities of the Corporation and the Disaster Insurance Advisory Commission established by section 826 to ensure that such entities are complying with the provisions of this title.</text>
 </subsection><subsection id="H1FC1855FEC5E4C078F7ECCCFBC2BCE90"><enum>(b)</enum><header>Successive audits</header><text>After the completion of the audit described in subsection (a), the Comptroller General shall conduct similar audits not less than once every 3 years.</text>
 </subsection><subsection id="HB4EBB0D41B214E9B90520BF76AD9B410"><enum>(c)</enum><header>Reports</header><text>The Comptroller General shall submit reports of the audits performed under this section to the Congress.</text>
								</subsection></section></subtitle><subtitle id="HE3D17F9D1A27439E92A033CF60164159"><enum>C</enum><header>General Provisions</header>
 <section id="H1AC0FFD406A24AA8B2FDA055D0FF0BAB"><enum>851.</enum><header>Definitions</header><text display-inline="no-display-inline">For purposes of this title:</text> <paragraph id="HAE7F22C28FF74D1C9E005A645FBACCE5"><enum>(1)</enum><header>Board</header><text>The term <quote>board</quote> means the board of directors of the Corporation.</text>
 </paragraph><paragraph id="H54D53A6C5BAA4C8AAF38F92C0E3CAF11"><enum>(2)</enum><header>Corporation</header><text>The term <quote>Corporation</quote> means the National Disaster Insurance Corporation.</text> </paragraph><paragraph id="H96F31E608FBF42AB87AFE631603B8620"><enum>(3)</enum><header>Administrator</header><text>The term <quote>Administrator</quote> means the Administrator of the Federal Emergency Management Agency.</text>
 </paragraph><paragraph id="HA58F88A519554E41B71EF0832280B5E7"><enum>(4)</enum><header>Disaster</header><text>The term <quote>disaster</quote> means any natural catastrophe (including any hurricane, tornado, storm, high water, winddriven water, tidal wave, tsunami, earthquake, volcanic eruption, landslide, mudslide, snowstorm, or drought), or, regardless of cause, any fire, flood, serious accident, or explosion, in or affecting any State or part of a State.</text>
 </paragraph><paragraph id="H5FE31D5A964141B1AEFE680A948C0FB5"><enum>(5)</enum><header>Insurance program</header><text>The term <quote>insurance program</quote> means the program established under this title by the Corporation for disaster insurance coverage.</text></paragraph></section></subtitle></title><after-quoted-block>.</after-quoted-block></quoted-block> </section></title><title id="H2ED727012F18420980ED88E50DBE9F3F"><enum>II</enum><header>FEDERAL PROGRAM FOR REIMBURSABLE DISASTER RELIEF AND EMERGENCY ASSISTANCE</header> <section id="HC10E0A0240D34ADC9634A518354E510F"><enum>201.</enum><header>Findings and declarations</header> <subsection id="H62428ECA8D9B450CBE412343D678F31C"><enum>(a)</enum><header>Findings</header><text display-inline="yes-display-inline">Section 101(a) of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (<external-xref legal-doc="usc" parsable-cite="usc/42/5121">42 U.S.C. 5121</external-xref> note) is amended by striking <quote>The</quote> and inserting <quote><header-in-text level="subsection" style="OLC">Findings.—</header-in-text>Recognizing the importance of reducing the Federal deficit and allowing the individual States to regain responsibility for management of activities within their borders, the</quote>.</text>
 </subsection><subsection id="H5417E871A8B44DFB9F58430943AC31AA"><enum>(b)</enum><header>Declarations</header><text display-inline="yes-display-inline">Section 101(b) of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (<external-xref legal-doc="usc" parsable-cite="usc/42/5121">42 U.S.C. 5121</external-xref> note) is amended—</text>
 <paragraph id="HAE40D215AF9D4ACF8482B982EA7D09BA"><enum>(1)</enum><text>in the matter preceding paragraph (1)—</text> <subparagraph id="H7A6BAF4C5B42481585CE5CCCAD273EE6"><enum>(A)</enum><text>by striking <quote>an orderly</quote> and all that follows through <quote>their</quote> and inserting <quote>a mechanism which will allow affected States to carry out their</quote>; and</text>
 </subparagraph><subparagraph id="H7338A6F908844BC4A796918E2D57BC87"><enum>(B)</enum><text>by striking <quote>such</quote>;</text> </subparagraph></paragraph><paragraph id="HB7875262C5164312A3A515467E4BC11B"><enum>(2)</enum><text>by redesignating paragraphs (1) through (6) as paragraphs (2) through (7), respectively;</text>
 </paragraph><paragraph id="HF696894375F44C9DA95D05989C09D8AC"><enum>(3)</enum><text>by inserting before paragraph (2) (as so redesignated) the following:</text> <quoted-block id="H34D751AE81EE4FFD9AFCCC08702D2864" style="OLC"> <paragraph id="H55DCA20E8C6F4AA290FAD8AA17218621"><enum>(1)</enum><text>establishing a private corporation which will make available insurance to assist the States in meeting their responsibilities for disaster relief;</text></paragraph><after-quoted-block>;</after-quoted-block></quoted-block>
 </paragraph><paragraph id="HEACEC15F5DC844778584C96B76F96D72"><enum>(4)</enum><text>in paragraph (2) (as so redesignated) by striking <quote>and broadening</quote>;</text> </paragraph><paragraph id="H3B60E0EFDCF14D5CAECF351A7EDD1777"><enum>(5)</enum><text>in paragraph (5) (as so redesignated) by striking <quote>supplement or</quote>; and</text>
 </paragraph><paragraph id="HC5E214780D094BFB844B1662C7F26ED0"><enum>(6)</enum><text>in paragraph (7) (as so redesignated) by inserting <quote>reimbursable</quote> before <quote>assistance</quote>.</text> </paragraph></subsection></section><section id="H5AD9B8A84CD84654907013B9579C60E0"><enum>202.</enum><header>Waiver of administrative conditions</header><text display-inline="no-display-inline">Section 301 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (<external-xref legal-doc="usc" parsable-cite="usc/42/5141">42 U.S.C. 5141</external-xref>) is amended by striking <quote>Any</quote> and inserting <quote>Except as otherwise provided in this title, any</quote>.</text>
 </section><section id="H13514016115C40F49525CDBB9F0CAB01"><enum>203.</enum><header>Emergency support teams</header><text display-inline="no-display-inline">Section 303(a) of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (<external-xref legal-doc="usc" parsable-cite="usc/42/5144">42 U.S.C. 5144(a)</external-xref>) is amended by striking <quote>on either</quote> and all that follows through <quote>President,</quote>.</text>
 </section><section id="H60322E08ED824D7DB699E84006AEA994"><enum>204.</enum><header>Reimbursement</header><text display-inline="no-display-inline">Section 304 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (<external-xref legal-doc="usc" parsable-cite="usc/42/5147">42 U.S.C. 5147</external-xref>) is amended by striking the first sentence and inserting the following: <quote>Federal agencies shall be reimbursed for expenditures made under this Act with respect to a major disaster or emergency by the State or States affected by the disaster or emergency.</quote>.</text>
 </section><section id="H16F3539D6BEE443F9CA76D8838AEDDDD"><enum>205.</enum><header>Performance of services</header><text display-inline="no-display-inline">Section 306 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (<external-xref legal-doc="usc" parsable-cite="usc/42/5149">42 U.S.C. 5149</external-xref>) is amended—</text>
 <paragraph id="HF753106FAAC94ACE8F1C4F7A6D4C4398"><enum>(1)</enum><text>in subsection (b) by striking <quote>In performing any services under this Act,</quote> and inserting <quote>Subject to subsection (c), in performing any services under this Act with respect to a major disaster or emergency</quote>; and</text>
 </paragraph><paragraph id="H942C866A6776440EBBA3BC6C113B63EB"><enum>(2)</enum><text>by adding at the end the following:</text> <quoted-block display-inline="no-display-inline" id="HE023BABF6BCA45C2BB39BC4916461166" style="OLC"> <subsection id="H0B6CB90ACBF54F65B87B53C04CA9D5E2"><enum>(c)</enum><header>Reimbursement agreement</header><text display-inline="yes-display-inline">A Federal agency may only incur costs with respect to compensation, employment, or obligations under subsection (b) in connection with a disaster or emergency if the Federal Government has entered into an agreement with the State or States affected by the major disaster or emergency for reimbursement of all such costs.</text></subsection><after-quoted-block>.</after-quoted-block></quoted-block>
 </paragraph></section><section id="H9CE72A5C9F7F4E6EA0BAFF34F4891708"><enum>206.</enum><header>Reimbursement agreements and conditions</header><text display-inline="no-display-inline">Section 311 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (<external-xref legal-doc="usc" parsable-cite="usc/42/5154">42 U.S.C. 5154</external-xref>) is amended to read as follows:</text>
				<quoted-block id="HCBB48D1FD0D4439E92B9EAF9C2206502" style="OLC">
					<section id="H9C4CBD89984549E9AED94C9304B8B01B"><enum>311.</enum><header>Reimbursement agreements and conditions</header>
 <subsection id="HE3B30A658D6E4E9E8289B68254118B2A"><enum>(a)</enum><header>Repayment</header><text>Assistance may only be provided under this Act with respect to damage caused by a major disaster or emergency within the borders of a State if a State has agreed to reimburse the United States for all expenses incurred by the United States in providing such assistance. Such assistance, including a loan or advance made under section 319, shall be repaid to the United States.</text>
 </subsection><subsection id="H6EF1F31D3F5340BBAAB2D5559E6E82AA"><enum>(b)</enum><header>Interest</header><text>Assistance provided under this Act with respect to which a State agrees to reimburse the United States for all expenses incurred in providing such assistance, including loans and advances made under this Act, shall bear interest at a rate determined by the Secretary of the Treasury, taking into consideration the current market yields on outstanding marketable obligations of the United States with remaining periods of maturity comparable to the reimbursement period of the reimbursable assistance provided.</text>
 </subsection><subsection id="HCA1695B7B48E486BA29475674CAD6491"><enum>(c)</enum><header>Regulations</header><text>The President shall issue regulations describing the terms and conditions under which any reimbursable assistance, loan, or advance authorized by this Act may be provided.</text></subsection></section><after-quoted-block>.</after-quoted-block></quoted-block>
 </section><section id="H520E32F0EB6E4FBA94C3BDB235ACF36B"><enum>207.</enum><header>Treatment of assistance</header><text display-inline="no-display-inline">Section 312 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (<external-xref legal-doc="usc" parsable-cite="usc/42/5155">42 U.S.C. 5155</external-xref>) is amended to read as follows:</text>
				<quoted-block id="HF843C8BDE1C94085BCBC88B435429F87" style="OLC">
 <section id="H33D1B82A367B463C925BBC087145741E"><enum>312.</enum><header>Treatment of assistance</header><text display-inline="no-display-inline">Federal major disaster and emergency assistance provided to individuals and families under this Act, and comparable disaster assistance provided by States, local governments, and disaster assistance organizations, shall not be considered as income or a resource when determining eligibility for or benefit levels under federally funded income assistance or resource-tested benefit programs.</text></section><after-quoted-block>.</after-quoted-block></quoted-block>
 </section><section id="H6F32546A09304F1FBF948F4345E812F6"><enum>208.</enum><header>Liability</header><text display-inline="no-display-inline">Section 317 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (<external-xref legal-doc="usc" parsable-cite="usc/42/5160">42 U.S.C. 5160</external-xref>) is repealed.</text>
 </section><section id="H534BD9D8F23344FDB95A05F9AB60522E"><enum>209.</enum><header>Advance of State expenditures</header><text display-inline="no-display-inline">Section 319 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (<external-xref legal-doc="usc" parsable-cite="usc/42/5162">42 U.S.C. 5162</external-xref>) is amended to read as follows:</text>
				<quoted-block id="H334D2D10627542448E65E4BC5D4B81E1" style="OLC">
 <section id="HC688987ED8E342249D6C7BB320287406"><enum>319.</enum><header>Advance of State expenditures</header><text display-inline="no-display-inline">The President may lend or advance to a State assistance for which the State is responsible under section 403 of this Act in any case in which the President determines that—</text>
 <paragraph id="HB6899A72AB9147EAA8E024ADE276A20D"><enum>(1)</enum><text>the damages caused by a major disaster are so overwhelming and severe that it is not possible for the State to assume immediately its financial responsibility under this Act; and</text>
 </paragraph><paragraph id="H9970200C6477425A8596D65B310F41B9"><enum>(2)</enum><text>the State has the ability to repay any such loans or advances.</text></paragraph></section><after-quoted-block>.</after-quoted-block></quoted-block> </section><section id="H8980649B8EAD4BAA92CDCEE478877EF0"><enum>210.</enum><header>Procedure for declaration of major disaster</header><text display-inline="no-display-inline">Section 401(a) of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (<external-xref legal-doc="usc" parsable-cite="usc/42/5170">42 U.S.C. 5170(a)</external-xref>) is amended—</text>
 <paragraph id="HE39311FC61624FA7B3479A243C6C5E56"><enum>(1)</enum><text>in the second sentence by inserting <quote>reimbursable</quote> after <quote>Federal</quote>;</text> </paragraph><paragraph id="HD72DDCC0DABD4D5E8757D5A1D373444D"><enum>(2)</enum><text>in the third sentence by inserting before the period at the end <quote>and shall enter into an agreement to reimburse the United States for all expenses incurred in providing assistance under this Act with respect to the disaster</quote>; and</text>
 </paragraph><paragraph id="HD9F9CB74AB93408B8C613AEE6D68A607"><enum>(3)</enum><text>in the fourth sentence by striking <quote>cost-sharing</quote>.</text> </paragraph></section><section id="H4DE2C2F16BB54B12ABED8D73210FD77B"><enum>211.</enum><header>General Federal disaster assistance</header><text display-inline="no-display-inline">Section 402 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (<external-xref legal-doc="usc" parsable-cite="usc/42/5170a">42 U.S.C. 5170a</external-xref>) is amended—</text>
 <paragraph id="H9527658FD55E4661AB00BC5191FE2F36"><enum>(1)</enum><text>by striking <quote>In</quote> and inserting <quote>(a) <header-in-text level="subsection" style="OLC">General authority</header-in-text>.—Subject to subsection (b), in</quote>;</text> </paragraph><paragraph id="H6CE634D9DD0044D8A2594A69004B5162"><enum>(2)</enum><text>by striking <quote>, with or without reimbursement,</quote>; and</text>
 </paragraph><paragraph id="H9D4BD52574DA4589A269D87C69894AC8"><enum>(3)</enum><text>by adding at the end the following:</text> <quoted-block id="H287025874E94457BA5010E0942EB6DBD" style="OLC"> <subsection id="H0343CC00DCCB46489BB8FE74BD29ACED"><enum>(b)</enum><header>Reimbursement agreement</header><text>Assistance may only be provided under this section if the affected State agrees to reimburse the United States for all expenses incurred in providing such assistance.</text></subsection><after-quoted-block>.</after-quoted-block></quoted-block>
 </paragraph></section><section id="H04B820D1EFAE4604AFD7E3EC08F541ED"><enum>212.</enum><header>Essential disaster assistance</header><text display-inline="no-display-inline">Section 403 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (<external-xref legal-doc="usc" parsable-cite="usc/42/5170b">42 U.S.C. 5170b</external-xref>) is amended—</text>
 <paragraph id="HA9D50221D1494F05ACBF9B9EAC182C61"><enum>(1)</enum><text>in subsection (a) by striking <quote>Federal agencies</quote> and inserting <quote>Subject to subsection (b), Federal agencies</quote>;</text> </paragraph><paragraph id="H4D1CAD4A6D294605B847A810D8829AD7"><enum>(2)</enum><text>by striking subsection (b) and inserting the following:</text>
					<quoted-block id="HD23B473FCDC947B494D1D572798AD352" style="OLC">
 <subsection id="HCF4308E75ABF4B0F8ACD1B6BD8D424E4"><enum>(b)</enum><header>Reimbursement agreement</header><text>Assistance may only be provided under this section if the affected State agrees to reimburse the United States for all expenses incurred in providing such assistance.</text></subsection><after-quoted-block>; and</after-quoted-block></quoted-block>
 </paragraph><paragraph id="HA0455A40777E429F8A45614369BD9B9F"><enum>(3)</enum><text>in subsection (c)—</text> <subparagraph id="H9056B2F7DBE044A3B063DA4F198135BA"><enum>(A)</enum><text>in paragraph (3) by striking <quote>out of funds made available to carry out this Act</quote> and inserting <quote>by the State</quote>;</text>
 </subparagraph><subparagraph id="H0B060EEA18144144B2F14BB97CE214D5"><enum>(B)</enum><text>by striking paragraph (4);</text> </subparagraph><subparagraph id="HC5096DC4A7C14A90A62E804FF29BF191"><enum>(C)</enum><text>by redesignating paragraphs (5) and (6) as paragraphs (4) and (5), respectively; and</text>
 </subparagraph><subparagraph id="H554869E7FDDA46A1AD4AAD05AD9DADF4"><enum>(D)</enum><text>in paragraph (4) (as so redesignated) by striking <quote>Not later than</quote> and all that follows through <quote>1988, the</quote> and inserting <quote>The</quote>.</text> </subparagraph></paragraph></section><section id="H299BC338415F4F26A09A8DD4C7D2849C"><enum>213.</enum><header>Hazard mitigation</header><text display-inline="no-display-inline">Section 404 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (<external-xref legal-doc="usc" parsable-cite="usc/42/5170c">42 U.S.C. 5170c</external-xref>) is repealed.</text>
 </section><section id="HB0E2FA7D78D9471E8E9DF66F4641F8B5"><enum>214.</enum><header>Repair, restoration, and replacement of damaged facilities</header><text display-inline="no-display-inline">Section 406 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (<external-xref legal-doc="usc" parsable-cite="usc/42/5172">42 U.S.C. 5172</external-xref>) is amended to read as follows:</text>
				<quoted-block id="H2D55B70A69B44FE4BC78289AAC42AD7C" style="OLC">
 <section id="H4CCAA7A8D33C4233AD20434E45171688"><enum>406.</enum><header>Repair, restoration, and replacement of damaged facilities</header><text display-inline="no-display-inline">The President may provide assistance to a State—</text> <paragraph id="H70133B584598424FB4B91A6CBF6E076D"><enum>(1)</enum><text>for the repair, restoration, reconstruction, or replacement of a public facility which is damaged or destroyed by a major disaster and for associated expenses incurred by the State or a local government thereof; or</text>
 </paragraph><paragraph id="H10EC0FD5F4C74F569CFF57DB672D059B"><enum>(2)</enum><text>for the repair, restoration, reconstruction, or replacement of a private nonprofit facility damaged or destroyed by a major disaster and for associated expenses incurred by the owner or operator of such facility,</text>
						</paragraph></section><quoted-block-continuation-text quoted-block-continuation-text-level="subsection">if the State agrees to reimburse the United States for all expenses incurred in providing such
			 assistance.</quoted-block-continuation-text><after-quoted-block>.</after-quoted-block></quoted-block>
 </section><section id="H90CDDFFF896F448591C74AFED04AB121"><enum>215.</enum><header>Debris removal</header><text display-inline="no-display-inline">Section 407 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (<external-xref legal-doc="usc" parsable-cite="usc/42/5173">42 U.S.C. 5173</external-xref>) is amended—</text>
 <paragraph id="H73575D65046D473E9C61390F8DB2FB90"><enum>(1)</enum><text>in subsection (a)—</text> <subparagraph id="H5580436094744C1CB4072DA1A2C0E970"><enum>(A)</enum><text>in the matter preceding paragraph (1) by striking <quote>public interest,</quote> and inserting <quote>public interest and if the State agrees to reimburse the United States for all expenses incurred in providing assistance under this subsection,</quote>; and</text>
 </subparagraph><subparagraph id="H8634B1019B714C4E9FB482F0553B74CB"><enum>(B)</enum><text>in paragraph (2) by striking <quote>make grants</quote> and all that follows through <quote>facility</quote> and inserting <quote>provide assistance to any State</quote>;</text> </subparagraph></paragraph><paragraph id="H407F056C85154AE6A3E3ABDF15248446"><enum>(2)</enum><text>in subsection (b) by striking <quote>or local government</quote>; and</text>
 </paragraph><paragraph id="HEAB62A5229BE4A258A141DABC9373029"><enum>(3)</enum><text>by striking subsection (d).</text> </paragraph></section><section id="HBC3AC54B729449EFB3AD4A61A0C15B69"><enum>216.</enum><header>Temporary housing assistance</header><text display-inline="no-display-inline">Section 408 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (<external-xref legal-doc="usc" parsable-cite="usc/42/5174">42 U.S.C. 5174</external-xref>) is amended to read as follows:</text>
				<quoted-block id="H306FC858D4CB414694981607A57F7BF5" style="OLC">
					<section id="H24B3C591C5C94B29A397CF5373FAC398"><enum>408.</enum><header>Temporary housing assistance</header>
 <subsection id="HFF7DFF852DE24801BCBFC618FEA46763"><enum>(a)</enum><header>Provision of temporary housing</header><text>The President may provide assistance to a State for the provision of temporary housing (including unoccupied habitable dwellings), suitable rental housing, mobile homes, or other readily fabricated dwellings to persons who, as a result of a major disaster, require temporary housing if the State agrees to reimburse the United States for all expenses incurred in providing such assistance.</text>
						</subsection><subsection id="H8550C398A27E4CDAAF9EA22F358927F3"><enum>(b)</enum><header>Mobile home site</header>
 <paragraph id="HD75DF06500C345B3ABA36ADC6AE18D46"><enum>(1)</enum><header>In general</header><text>Any mobile home or other readily fabricated dwelling provided under this section shall whenever possible be located on a site which—</text>
 <subparagraph id="HE3CC6A73CCC34F31B4D5FA4852946201"><enum>(A)</enum><text>is provided by the State or a local government; and</text> </subparagraph><subparagraph id="H9D769D8CA53D419497772F52B335F0ED"><enum>(B)</enum><text>has utilities provided by the State or a local government, by the owner of the site, or by the occupant who was displaced by the major disaster.</text>
 </subparagraph></paragraph><paragraph id="HD4CAD1ACC99C4B6C91E3D281566731F5"><enum>(2)</enum><header>Other sites</header><text>Mobile homes and other readily fabricated dwellings may be located on sites provided by the President if the President determines that such sites would be more economical or accessible than sites described in paragraph (1).</text></paragraph></subsection></section><after-quoted-block>.</after-quoted-block></quoted-block>
 </section><section id="H8CE78E769F5D482D8FABB4B5947F2759"><enum>217.</enum><header>Unemployment assistance</header><text display-inline="no-display-inline">Section 410 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (<external-xref legal-doc="usc" parsable-cite="usc/42/5177">42 U.S.C. 5177</external-xref>) is amended—</text>
 <paragraph id="HBC114B70CC5648DFB681CAF759DFB9BD"><enum>(1)</enum><text>in subsection (a) by inserting before the period at the end <quote>and ensure that the United States will be reimbursed by the States for all expenses incurred in providing assistance under this subsection</quote>; and</text>
 </paragraph><paragraph id="HE3DAEA6B563648D6A4C7211FA689C6C8"><enum>(2)</enum><text>in subsection (b)(2) by inserting before the period at the end <quote>if the State agrees to reimburse the United States for all expenses incurred in providing such assistance</quote>.</text>
 </paragraph></section><section id="H64944404CCB04880BA597BD2FA589789"><enum>218.</enum><header>Crisis counseling assistance and training</header><text display-inline="no-display-inline">Section 416 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (<external-xref legal-doc="usc" parsable-cite="usc/42/5183">42 U.S.C. 5183</external-xref>) is amended—</text>
 <paragraph id="H98FB66432AE0410FA2DA2082BFD99849"><enum>(1)</enum><text>by striking <quote>or local agencies or private mental health organizations to provide</quote> and inserting <quote>agencies to provide (or to contract with local agencies or private mental health organizations for the provision of)</quote>; and</text>
 </paragraph><paragraph id="H104D239C65BE46FFB1E939F713025068"><enum>(2)</enum><text>by inserting before the period at the end <quote>if the State agrees to reimburse the United States for all expenses incurred in providing such services and assistance</quote>.</text>
 </paragraph></section><section id="HF766110E97F741CA87C6652D5367934A"><enum>219.</enum><header>Community disaster loans</header><text display-inline="no-display-inline">Section 417 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (<external-xref legal-doc="usc" parsable-cite="usc/42/5184">42 U.S.C. 5184</external-xref>) is repealed.</text>
 </section><section id="HF954936102C14AB6BCD6419F6773EDEE"><enum>220.</enum><header>Emergency communications</header><text display-inline="no-display-inline">Section 418 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (<external-xref legal-doc="usc" parsable-cite="usc/42/5185">42 U.S.C. 5185</external-xref>) is amended by inserting before the period at the end <quote>if the State agrees to reimburse the United States for all expenses incurred in providing assistance under this section</quote>.</text>
 </section><section id="HA578025DA5104DBF8F25572891C481D4"><enum>221.</enum><header>Emergency public transportation</header><text display-inline="no-display-inline">Section 419 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (<external-xref legal-doc="usc" parsable-cite="usc/42/5186">42 U.S.C. 5186</external-xref>) is amended by inserting before the period at the end <quote>if the State agrees to reimburse the United States for all expenses incurred in providing assistance under this section</quote>.</text>
 </section><section id="HC775327109754A3FA676F9E919F62548"><enum>222.</enum><header>Fire suppression</header><text display-inline="no-display-inline">Section 420(a) of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (<external-xref legal-doc="usc" parsable-cite="usc/42/5187">42 U.S.C. 5187(a)</external-xref>) is amended—</text>
 <paragraph id="HBF3CAB6CD08F450A85EF01178699171F"><enum>(1)</enum><text>by striking <quote>including grants,</quote>; and</text> </paragraph><paragraph id="H3EACFFAEDFAD4038B8F2D0F535D7B6C3"><enum>(2)</enum><text>by inserting before the period at the end <quote>if the State agrees to reimburse the United States for all expenses incurred in providing assistance under this section</quote>.</text>
 </paragraph></section><section id="H5BAD8DF4F4984E56BCD75AD3D6ABA826"><enum>223.</enum><header>Timber sale contracts</header><text display-inline="no-display-inline">Section 421(d) of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (<external-xref legal-doc="usc" parsable-cite="usc/42/5188">42 U.S.C. 5188(d)</external-xref>) is amended—</text>
 <paragraph id="H6289BE2D808A413BB9231D88DBFF6952"><enum>(1)</enum><text>by striking <quote>make grants to any State or local government</quote> and inserting <quote>provide financial assistance to any State</quote>;</text> </paragraph><paragraph id="H44B9868E831446F182D40BE09CDB670D"><enum>(2)</enum><text>by inserting after <quote>major disaster</quote> the following: <quote>if the State agrees to reimburse the United States for all expenses incurred in providing such assistance</quote>;</text>
 </paragraph><paragraph id="HF16F26F8E6A8458D841593759DE54594"><enum>(3)</enum><text>by striking <quote>or local government is</quote> and inserting <quote>is</quote>; and</text> </paragraph><paragraph id="H510B6CED203E44F8A067166A590ED523"><enum>(4)</enum><text>by striking <quote>such grants</quote> and inserting <quote>assistance</quote>.</text>
 </paragraph></section><section id="H825586F62F4C47DC8B0C1E3D4CDB628B"><enum>224.</enum><header>Simplified procedure</header><text display-inline="no-display-inline">Section 422 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (<external-xref legal-doc="usc" parsable-cite="usc/42/5189">42 U.S.C. 5189</external-xref>) is repealed.</text>
 </section><section id="HA96E108411D54BA9BDC1371E0EA66A37"><enum>225.</enum><header>Appeals of assistance decisions</header><text display-inline="no-display-inline">Section 423 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (<external-xref legal-doc="usc" parsable-cite="usc/42/5189a">42 U.S.C. 5189a</external-xref>) is repealed.</text>
 </section><section id="HE071E62EF1E2469F9575B40354FA8021"><enum>226.</enum><header>Procedure for declaration</header><text display-inline="no-display-inline">Section 501 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (<external-xref legal-doc="usc" parsable-cite="usc/42/5191">42 U.S.C. 5191</external-xref>) is amended—</text>
 <paragraph id="H6B75C95800B6404090448BDF9DF5EEA8"><enum>(1)</enum><text>in subsection (a)—</text> <subparagraph id="HF457071D0E27437EA15AD99590ED2D4A"><enum>(A)</enum><text>by inserting <quote>reimbursable</quote> after <quote>Federal</quote> the first place it appears; and</text>
 </subparagraph><subparagraph id="H2FD78DD54D624977946672A4785ABD6F"><enum>(B)</enum><text>by inserting <quote>and shall enter into an agreement to reimburse the United States for all expenses incurred in providing assistance under this Act with respect to the emergency</quote> before the period at the end of the third sentence; and</text>
 </subparagraph></paragraph><paragraph id="H011AE50EEB074BF8B8991C3D40689764"><enum>(2)</enum><text>in subsection (b) by striking <quote>or section 503</quote>.</text> </paragraph></section><section id="H4EC9C57D8F414C38B1C4B0A94871C06C"><enum>227.</enum><header>Federal emergency assistance</header><text display-inline="no-display-inline">Section 502 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (<external-xref legal-doc="usc" parsable-cite="usc/42/5192">42 U.S.C. 5192</external-xref>) is amended—</text>
 <paragraph id="HB851DBB8958E491FB312A6D3C89A56C4"><enum>(1)</enum><text>in subsection (a)—</text> <subparagraph id="H528D4B38EDE04163B26C45E3E2A98AD6"><enum>(A)</enum><text>in the matter preceding paragraph (1) by striking <quote>In</quote> and inserting <quote>Subject to subsection (d), in</quote>; and</text>
 </subparagraph><subparagraph id="H0B07315654A04AD39C706D78E2FE9F73"><enum>(B)</enum><text>in paragraph (1) by striking <quote>, with or without reimbursement,</quote>;</text> </subparagraph></paragraph><paragraph id="H55F015C0CEA248A981DDC09F7126AB68"><enum>(2)</enum><text>in subsection (b) by striking <quote>Whenever</quote> and inserting <quote>Subject to subsection (d), whenever</quote>; and</text>
 </paragraph><paragraph id="H76B133E4B0D74D409009D50182726A57"><enum>(3)</enum><text>by adding at the end the following:</text> <quoted-block id="HE9F4D2400FB1406A9DC3939B42EB239B" style="OLC"> <subsection id="HC70BC8CD0BE34AAB88B552903556DB59"><enum>(d)</enum><header>Reimbursement agreement</header><text>Assistance may only be provided under this section if the affected State agrees to reimburse the United States for all expenses incurred in providing such assistance.</text></subsection><after-quoted-block>.</after-quoted-block></quoted-block>
 </paragraph></section><section id="H39C7785E82374BA0A2813313C8B64773"><enum>228.</enum><header>Amount of assistance</header><text display-inline="no-display-inline">Section 503 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (<external-xref legal-doc="usc" parsable-cite="usc/42/5193">42 U.S.C. 5193</external-xref>) is repealed.</text>
			</section><section id="H01E5C6E95BFB4C7EACEF9564D1D32DEC"><enum>229.</enum><header>Applicability</header>
 <subsection id="H2B171FAC62BB46C78FC9BA7357892E52"><enum>(a)</enum><header>Effective date of amendments</header><text>The amendments under this title shall be made on October 1, 2019, and shall apply on and after such date, except to the extent provided in subsection (b).</text>
 </subsection><subsection id="H59C171617752497AAAED35A290B5F88C"><enum>(b)</enum><header>Inapplicability to disasters declared before effective date</header><text>The provisions of law amended by this title, as in effect on the day before the date referred to in subsection (a), shall continue to apply with respect to any major disaster or emergency that commences or occurs (or is declared or determined to have commenced or occurred) before the date referred in subsection (a).</text>
				</subsection></section></title><title id="H826DD9F96D614BB8A28558779E425BE2"><enum>III</enum><header>FEDERAL-AID HIGHWAYS</header>
			<section id="H5C13FD38970C453C949D1E65E50FC7B4"><enum>301.</enum><header>National standard for State participation in disaster insurance program</header>
 <subsection id="HBA9D0788B6BA423BB9289741691F0A18"><enum>(a)</enum><header>Withholding of apportionments for noncompliance</header><text display-inline="yes-display-inline"><external-xref legal-doc="usc-chapter" parsable-cite="usc-chapter/23/1">Chapter 1</external-xref> of title 23, United States Code, is amended by adding at the end the following:</text> <quoted-block display-inline="no-display-inline" id="HCCF938713B644ADD89962BF3A1162E95" style="USC"> <section id="H559C54C088984738B0121FDDCFF03C42"><enum>171.</enum><header>National standard for State participation in disaster insurance program</header> <subsection id="HCC40E0E87A774492ACC6208503B37517"><enum>(a)</enum><header>Withholding of apportionments for noncompliance</header><text display-inline="yes-display-inline">The Secretary shall withhold an amount equal to 10 percent of the amount required to be apportioned to a State under each of paragraphs (1) and (2) of section 104(b) on October 1, 2021, and on October 1 of each fiscal year thereafter, if the State does not meet the requirement of subsection (b) on that date.</text>
 </subsection><subsection id="HC723BA29A1CD45E5BFA60B3E57DBCA42"><enum>(b)</enum><header>Requirement</header><text display-inline="yes-display-inline">A State meets the requirement of this subsection if the State is a participant in the National Disaster Insurance Corporation, as determined pursuant to section 821(d) of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (<external-xref legal-doc="usc" parsable-cite="usc/42/5121">42 U.S.C. 5121</external-xref> et seq.).</text>
 </subsection><subsection id="H0739A4B8AD7149B08E9AE78BBE784C64"><enum>(c)</enum><header>Effect of noncompliance</header><text display-inline="yes-display-inline">No funds withheld under this section from apportionment to a State shall be available for apportionment to the State.</text></subsection></section><after-quoted-block>.</after-quoted-block></quoted-block>
 </subsection><subsection id="H7EBC1AA56137421BA43C23B325EEC5F4"><enum>(b)</enum><header>Clerical amendment</header><text>The analysis for <external-xref legal-doc="usc-chapter" parsable-cite="usc-chapter/23/1">chapter 1</external-xref> of title 23, United States Code, is amended by adding at the end the following:</text>
					<quoted-block display-inline="no-display-inline" id="H61AC4EA9E74243489F76F2BCC279E767" style="USC">
						<toc regeneration="no-regeneration">
							<toc-entry level="section">171. National standard for State participation in disaster insurance program.</toc-entry></toc><after-quoted-block>.</after-quoted-block></quoted-block>
				</subsection></section><section id="H90E8E481C6844C089CC29D67BF5657B0" section-type="subsequent-section"><enum>302.</enum><header>Emergency relief program for repair of highways</header>
 <subsection id="H5E7E8299473E4712B14C41206CDB095A"><enum>(a)</enum><header>Condition on receipt of assistance</header><text display-inline="yes-display-inline">Section 125 of title 23, United States Code, is amended by adding at the end the following:</text> <quoted-block display-inline="no-display-inline" id="H5580E91F15D9489388690FB35A5934BC" style="OLC"> <subsection id="HBF8A16F720A94642B30C038558653B84"><enum>(h)</enum><header>Reimbursement agreements</header><text display-inline="yes-display-inline">Assistance may only be provided to a State under this section if the State agrees to reimburse the United States for all expenses incurred in providing such assistance. There are hereby appropriated to the Highway Trust Fund amounts equivalent to reimbursements received pursuant to this subsection.</text></subsection><after-quoted-block>. </after-quoted-block></quoted-block>
 </subsection><subsection id="HBE8420B1C8904A60AE67DA4CFA7090C0"><enum>(b)</enum><header>Effective date</header><text display-inline="yes-display-inline">The amendment under subsection (a) shall be made on October 1, 2019, and shall apply on and after such date, except to the extent provided in subsection (c).</text>
 </subsection><subsection id="H66FFC9344997474BB4AC411538FD76C7"><enum>(c)</enum><header>Inapplicability to disasters and emergencies declared before effective date</header><text display-inline="yes-display-inline">Section 125 of title 23, United States Code, as in effect on the day before the date referred to in subsection (b), shall continue to apply with respect to any disaster or emergency that commences or occurs (or is declared or determined to have commenced or occurred) before the date referred in subsection (b).</text>
				</subsection></section></title></legis-body></bill>


