[Congressional Bills 116th Congress]
[From the U.S. Government Publishing Office]
[H.R. 3167 Reported in House (RH)]

<DOC>





                                                 Union Calendar No. 210
116th CONGRESS
  1st Session
                                H. R. 3167

                      [Report No. 116-262, Part I]

To reform and reauthorize the National Flood Insurance Program, and for 
                            other purposes.


_______________________________________________________________________


                    IN THE HOUSE OF REPRESENTATIVES

                             June 10, 2019

  Ms. Waters introduced the following bill; which was referred to the 
 Committee on Financial Services, and in addition to the Committee on 
  Transportation and Infrastructure, 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

                            October 28, 2019

  Reported from the Committee on Financial Services with an amendment
 [Strike out all after the enacting clause and insert the part printed 
                               in italic]

                            October 28, 2019

Committee on Transportation and Infrastructure discharged; committed to 
the Committee of the Whole House on the State of the Union and ordered 
                             to be printed
 [For text of introduced bill, see copy of bill as introduced on June 
                               10, 2019]


_______________________________________________________________________

                                 A BILL


 
To reform and reauthorize the National Flood Insurance Program, and for 
                            other purposes.


 


    Be it enacted by the Senate and House of Representatives of the 
United States of America in Congress assembled,

SECTION 1. SHORT TITLE; TABLE OF CONTENTS.

    (a) Short Title.--This Act may be cited as the ``National Flood 
Insurance Program Reauthorization Act of 2019''.
    (b) Table of Contents.--The table of contents for this Act is as 
follows:

Sec. 1. Short title; table of contents.
Sec. 2. Congressional findings.

               TITLE I--REAUTHORIZATION AND AFFORDABILITY

Sec. 101. Program extension.
Sec. 102. Demonstration program for policy affordability.
Sec. 103. Premium and fees relief for families and small businesses.
Sec. 104. Monthly installment payment of premiums.
Sec. 105. State revolving loan funds for low-interest loans.
Sec. 106. Use of replacement cost value in estimating premium rates.
Sec. 107. Refund of premiums upon cancellation of policy because of 
                            replacement with private flood insurance.

                           TITLE II--MAPPING

Sec. 201. Reauthorization of appropriations for National Flood Mapping 
                            Program.
Sec. 202. National Flood Mapping Program.
Sec. 203. Flood mapping modernization and homeowner empowerment pilot 
                            program.
Sec. 204. Mapping improvements and reach.
Sec. 205. Appeals regarding existing flood maps.
Sec. 206. Appeals and publication of projected special flood hazard 
                            areas.
Sec. 207. Communication and outreach regarding map changes.
Sec. 208. Adoption of partial flood maps.
Sec. 209. New zone for levee-impacted areas.
Sec. 210. Agricultural structures in special flood hazard zones.
Sec. 211. Technical Mapping Advisory Council.

                         TITLE III--MITIGATION

Sec. 301. Increased cost of compliance coverage.
Sec. 302. Multiple-loss properties.
Sec. 303. Premium rates for certain mitigated properties.
Sec. 304. Coverage for cooperatives.
Sec. 305. Voluntary community-based flood insurance pilot program.
Sec. 306. Mitigation funding.
Sec. 307. Community Rating System improvements.
Sec. 308. Community assistance program for effective floodplain 
                            management.

                        TITLE IV--MODERNIZATION

Sec. 401. Effect of private flood insurance coverage on continuous 
                            coverage requirements.
Sec. 402. Optional coverage for umbrella policies.
Sec. 403. Annual independent actuarial study.
Sec. 404. Sharing of and access to information.
Sec. 405. Elevation certificates.
Sec. 406. Leveraging risk transfer opportunities for a sound financial 
                            framework.
Sec. 407. Write-Your-Own arrangements.
Sec. 408. Study on increasing participation.

SEC. 2. CONGRESSIONAL FINDINGS.

    The Congress finds that--
            (1) since 2016, communities and families across the United 
        States have suffered over $300 billion in losses as a result of 
        flooding;
            (2) flooding disasters in the United States present a 
        threat to people, property, and taxpayers;
            (3) the National Flood Insurance Program (NFIP) is a key 
        component of the Federal Government's efforts to minimize the 
        damage and financial impact of floods;
            (4) the NFIP is the principal provider of flood insurance 
        in the United States, covering over 5 million households and 
        businesses across the country;
            (5) affordability of flood insurance coverage remains a 
        serious concern;
            (6) investment in mitigation is a cost-effective means of 
        reducing risk;
            (7) a policyholder's ability to pay for flood insurance 
        coverage should be considered for premium rate discounts; and
            (8) in the absence of widespread private insurance industry 
        participation, and as a matter of national policy, the Federal 
        Government must ensure the availability and affordability of 
        flood insurance.

               TITLE I--REAUTHORIZATION AND AFFORDABILITY

SEC. 101. PROGRAM EXTENSION.

    (a) Financing.--Subsection (a) of section 1309 of the National 
Flood Insurance Act of 1968 (42 U.S.C. 4016(a)) is amended by striking 
``September 30, 2019'' and inserting ``September 30, 2024''.
    (b) Program Expiration.--Section 1319 of the National Flood 
Insurance Act of 1968 (42 U.S.C. 4026) is amended by striking 
``September 30, 2019'' and inserting ``September 30, 2024''.
    (c) Retroactive Effective Date.--If this Act is enacted after 
September 30, 2019, the amendments made by subsections (a) and (b) 
shall take effect as if enacted on September 30, 2019.

SEC. 102. DEMONSTRATION PROGRAM FOR POLICY AFFORDABILITY.

    (a) Authority.--
            (1) In general.--The Administrator of the Federal Emergency 
        Management Agency shall establish and carry out a demonstration 
        program under this section to demonstrate the effectiveness of 
        providing means-tested discounted rates for flood insurance 
        coverage made available under the National Flood Insurance Act 
        of 1968 for eligible households.
            (2) Consultation.--The Administrator may consult with the 
        Secretary of the Treasury and the Secretary of Housing and 
        Urban Development about the implementation of the program 
        established pursuant to paragraph (1).
    (b) Eligible Households and Properties.--The Administrator may 
provide discounted premium rates pursuant to this section only for 
properties that are--
            (1) 1- to 4-family residential properties; and
            (2) the primary residence of a household whose income does 
        not exceed 80 percent of the area median income, as determined 
        by the Administrator in consultation with the Secretary of 
        Housing and Urban Development.
    (c) Income Determinations.--For purposes of the program under this 
section, the Administrator shall make determinations of household 
income on an annual basis.
    (d) Premium Discounts.--Notwithstanding any provision of the 
National Flood Insurance Act of 1968, the chargeable premium rate for 
flood insurance coverage made available under the program under this 
section shall be an amount that does not exceed 2 percent of annual 
area median income for the area within which is located the property 
for which the coverage is provided.
    (e) Disclosure of Full-risk Rate.--The Administrator shall provide 
to each policyholder purchasing flood insurance coverage under the 
program under this section for a property, not later than the 
commencement of the period of such coverage, a written statement 
setting forth the full actuarial premium rate for coverage for such 
property determined in accordance with section 1307(a)(1) of the 
National Flood Insurance Act of 1968 (42 U.S.C. 4014(a)(1)), the amount 
of the premium discount for such coverage, and any other information 
the Administrator considers helpful to policyholders in understanding 
flood insurance coverage and costs.
    (f) Guidance.--Not later than the expiration of the 12-month period 
beginning on the date of the enactment of this Act, the Administrator 
shall issue guidance providing for the establishment of the 
demonstration program under this section, which shall include--
            (1) an estimation of the cost of the program stated in 
        terms of the aggregate of premium discounts to be made 
        available under the program;
            (2) a description of how the Administrator will determine 
        eligibility for households to participate in the program in 
        accordance with the requirements for eligibility in subsection 
        (b); and
            (3) any new requirements to which policyholders 
        participating in the program will be subject; and
            (4) the results of any consultation with the Secretary of 
        the Treasury or the Secretary of Housing and Urban Development.
    (g) Report to Congress.--
            (1) Collection of information.--The Administrator shall 
        collect by survey or other means, for each participating 
        community in the national flood insurance program and regarding 
        each year during the period beginning 5 years before 
        implementation of the demonstration program under this section 
        and ending upon the termination date under subsection (j), the 
        following information:
                    (A) The demographic characteristics of households 
                purchasing flood insurance coverage under such program.
                    (B) The average median income of such households.
                    (C) The number of properties located in areas for 
                which a major disaster related to flooding was declared 
                pursuant to the Robert T. Stafford Disaster Relief and 
                Emergency Assistance Act.
                    (D) The number of policies made available under the 
                national flood insurance program and the number and 
                aggregate amount of claims submitted under such 
                program.
                    (E) For all properties in such community receiving 
                discounted coverage under the demonstration program 
                under this section, the aggregate amount of the full 
                actuarial premium rate for coverage that is determined 
                in accordance with section 1307(a)(1) of the National 
                Flood Insurance Act of 1968 (42 U.S.C. 4014(a)(1)) and 
                the aggregate amount of premium discounts provided 
                under the demonstration program.
                    (F) For all properties in such community, any 
                changes to such full actuarial premium rates due to 
                mapping changes or other factors.
            (2) Report to congress.--Not later than the expiration of 
        the 5-year period beginning upon the implementation of the 
        demonstration program under this section, the Administrator 
        shall submit to the Congress a report evaluating the 
        effectiveness of the assistance provided under the program, 
        which shall include--
                    (A) a statement of the number of households 
                participating in the program and the rates of 
                participation by communities participating in the 
                national flood insurance program, including whether 
                such rates of participation have changed by year; and
                    (B) an estimate of the cost of the program to the 
                National Flood Insurance Fund under section 1310 of the 
                National Flood Insurance Act of 1968 (42 U.S.C. 4017).
    (h) Definitions.--For purposes of this section, the following 
definitions shall apply:
            (1) Administrator.--The term ``Administrator'' means the 
        Administrator of the Federal Emergency Management Agency.
            (2) Premium discount.--The term ``premium discount'' means, 
        with respect to a policy for flood insurance coverage under the 
        national flood insurance program made available under the 
        program under this section, the amount by which the full 
        actuarial premium rate for coverage for such property that is 
        determined in accordance with section 1307(a)(1) of the 
        National Flood Insurance Act of 1968 (42 U.S.C. 4014(a)(1)) 
        exceeds the chargeable premium rate for the coverage made 
        available under the program under this section.
    (i) Termination.--The authority under this section to provide 
discounted premium rates for flood insurance coverage shall terminate 
on May 31, 2024.

SEC. 103. PREMIUM AND FEES RELIEF FOR FAMILIES AND SMALL BUSINESSES.

    (a) Repeal of Surcharge.--
            (1) Repeal.--Section 1308A of the National Flood Insurance 
        Act of 1968 (42 U.S.C. 4015a) is hereby repealed.
            (2) Conforming amendments.--The National Flood Insurance 
        Act of 1968 is amended--
                    (A) in section 1308(m) (42 U.S.C. 4015(m))--
                            (i) in paragraph (1), by striking ``and the 
                        surcharges required under section 1308A''; and
                            (ii) in paragraph (2), by striking ``or 
                        surcharges''; and
                    (B) in section 1310A(c) (42 U.S.C. 4017a(c)), by 
                striking paragraph (4).
    (b) Small Loan Exception to Mandatory Purchase Requirement.--
Subparagraph (A) of section 102(c)(2) of the Flood Disaster Protection 
Act of 1973 (42 U.S.C. 4012a(c)(2)(A)) is amended by striking 
``$5,000'' and inserting ``$25,000''.

SEC. 104. MONTHLY INSTALLMENT PAYMENT OF PREMIUMS.

    (a) Authority.--Subsection (g) of section 1308 of the National 
Flood Insurance Act of 1968 (42 U.S.C. 4015(g)) is amended--
            (1) by striking the subsection designation and all that 
        follows through ``With respect'' and inserting the following:
    ``(g) Frequency of Premium Collection.--
            ``(1) Options.--With respect''; and
            (2) by adding at the end the following:
            ``(2) Monthly installment payment of premiums.--
                    ``(A) Exemption from rulemaking.--Until such time 
                as the Administrator promulgates regulations 
                implementing paragraph (1) of this subsection, the 
                Administrator may adopt policies and procedures, 
                notwithstanding any other provisions of law and in 
                alignment and consistent with existing industry escrow 
                and servicing standards, necessary to implement such 
                paragraph without undergoing notice and comment 
                rulemaking and without conducting regulatory analyses 
                otherwise required by statute, regulation, or Executive 
                order.
                    ``(B) Pilot program.--The Administrator may 
                initially implement paragraph (1) of this subsection as 
                a pilot program that provides for a gradual phase-in of 
                implementation.
                    ``(C) Policyholder protection.--The Administrator 
                may--
                            ``(i) during the 12-month period beginning 
                        on the date of the enactment of this 
                        subparagraph, charge policyholders choosing to 
                        pay premiums in monthly installments a fee for 
                        the total cost of the monthly collection of 
                        premiums not to exceed $25 annually; and
                            ``(ii) after the expiration of the 12-month 
                        period referred to in clause (i), adjust the 
                        fee charged annually to cover the total cost of 
                        the monthly collection of premiums as 
                        determined by the report submitted pursuant to 
                        subparagraph (D).
                    ``(D) Annual reports.--On an annual basis, the 
                Administrator shall report to the Committee on 
                Financial Services of the House of Representatives and 
                the Committee on Banking, Housing, and Urban Affairs of 
                the Senate the ongoing costs associated with the 
                monthly payment of premiums.''.
    (b) Implementation.--Clause (ii) of section 1307(a)(1)(B) of the 
National Flood Insurance Act of 1968 (42 U.S.C. 4014(a)(1)(B)(ii)) is 
amended by inserting before ``any administrative expenses'' the 
following: ``the costs associated with the monthly collection of 
premiums provided for in section 1308(g) (42 U.S.C. 4015(g)), but only 
if such costs exceed the operating costs and allowances set forth in 
clause (i) of this subparagraph, and''.

SEC. 105. STATE REVOLVING LOAN FUNDS FOR LOW-INTEREST LOANS.

    Chapter I of the National Flood Insurance Act of 1968 (42 U.S.C. 
4011 et seq.) is amended by adding at the end the following new 
section:

``SEC. 1326. STATE REVOLVING LOAN FUNDS FOR LOW-INTEREST LOANS.

    ``(a) Definitions.--In this section--
            ``(1) the term `Community Rating System' means the 
        community rating system carried out under section 1315(b);
            ``(2) the term `eligible State' means a State, the District 
        of Columbia, and the Commonwealth of Puerto Rico;
            ``(3) the term `insular area' means--
                    ``(A) Guam;
                    ``(B) American Samoa;
                    ``(C) the Commonwealth of the Northern Mariana 
                Islands;
                    ``(D) the Federated States of Micronesia;
                    ``(E) the Republic of the Marshall Islands;
                    ``(F) the Republic of Palau; and
                    ``(G) the United States Virgin Islands;
            ``(4) the term `intended use plan' means a plan prepared 
        under subsection (d)(1);
            ``(5) the term `low-income geographic area' means an area 
        described in paragraph (1) or (2) of section 301(a) of the 
        Public Works and Economic Development Act of 1965 (42 U.S.C. 
        3161(a));
            ``(6) the term `low-income homeowner' means the owner of a 
        primary residence, the household income of which in a taxable 
        year is not more than 80 percent of the median income for the 
        area in which the residence is located;
            ``(7) the term `participating State' means an eligible 
        State that--
                    ``(A) has entered into an agreement under 
                subsection (b)(1); and
                    ``(B) agrees to comply with the requirements of 
                this section;
            ``(8) the term `pre-FIRM building' means a building for 
        which construction or substantial improvement occurred before 
        the effective date of the initial Flood Insurance Rate Map 
        published by the Administrator under section 1360 for the area 
        in which the building is located;
            ``(9) the term `repetitive-loss property' has the meaning 
        given the term in section 1370(a);
            ``(10) the term `severe repetitive-loss property' has the 
        meaning given the term in section 1370(a);
            ``(11) the term `State loan fund' means a flood mitigation 
        assistance revolving loan fund established by an eligible State 
        under this section; and
            ``(12) the term `tribal government' means the recognized 
        government of an Indian tribe, or the governing body of an 
        Alaska Native regional or village corporation, that has been 
        determined eligible to receive services from the Bureau of 
        Indian Affairs.
    ``(b) General Authority.--
            ``(1) In general.--The Administrator may enter into an 
        agreement with an eligible State to provide a capitalization 
        grant for the eligible State to establish a revolving fund that 
        will provide funding assistance to help homeowners, businesses, 
        nonprofit organizations, and communities reduce flood risk in 
        order to decrease--
                    ``(A) the loss of life and property;
                    ``(B) the cost of flood insurance; and
                    ``(C) Federal disaster payments.
            ``(2) Timing of deposit and agreements for distribution of 
        funds.--
                    ``(A) In general.--Not later than the last day of 
                the fiscal year following the fiscal year in which a 
                capitalization grant is made to a participating State 
                under paragraph (1), the participating State shall--
                            ``(i) deposit the grant in the State loan 
                        fund of the State; and
                            ``(ii) enter into one or more binding 
                        agreements that provide for the State to 
                        distribute the grant funds for purposes 
                        authorized under subsection (c) such that--
                                    ``(I) in the case of the initial 
                                grant made under this section to a 
                                State, not less than 75 percent of the 
                                amount of the grant funds shall be 
                                distributed before the expiration of 
                                the 24-month period beginning upon 
                                deposit of such funds in the State loan 
                                fund of the State; and
                                    ``(II) in the case of any 
                                subsequent grant made under this 
                                section to a State, not less than 90 
                                percent of the amount of the grant 
                                funds made under the capitalization 
                                grant shall be distributed before the 
                                expiration of the 12-month period 
                                beginning upon deposit of such funds in 
                                the State loan fund of the State.
                    ``(B) Noncompliance.--Except as provided in 
                subparagraph (C), if a participating State does not 
                comply with subparagraph (A) with respect to a grant, 
                the Administrator shall reallocate the grant in 
                accordance with paragraph (3)(B).
                    ``(C) Exception.--The Administrator may not 
                reallocate any funds under subparagraph (B) to a 
                participating State that violated subparagraph (A) with 
                respect to a grant made during the same fiscal year in 
                which the funds to be reallocated were originally made 
                available.
            ``(3) Allocation.--
                    ``(A) In general.--The Administrator shall allocate 
                amounts made available to carry out this section to 
                participating States--
                            ``(i) for the participating States to 
                        deposit in the State loan funds established by 
                        the participating States; and
                            ``(ii) except as provided in paragraph (6), 
                        in accordance with the requirements described 
                        in subparagraph (B).
                    ``(B) Requirements.--The requirements described in 
                this subparagraph are as follows:
                            ``(i) Fifty percent of the total amount 
                        made available under subparagraph (A) shall be 
                        allocated so that each participating State 
                        receives the percentage amount that is obtained 
                        by dividing the number of properties that were 
                        insured under the national flood insurance 
                        program in that State in the fiscal year 
                        preceding the fiscal year in which the amount 
                        is allocated by the total number of properties 
                        that were insured under the national flood 
                        insurance program in the fiscal year preceding 
                        the fiscal year in which the amount is 
                        allocated.
                            ``(ii) Fifty percent of the total amount 
                        made available under subparagraph (A) shall be 
                        allocated so that each participating State 
                        receives a percentage of funds that is equal to 
                        the product obtained under clause (iii)(IV) 
                        with respect to that participating State after 
                        following the procedures described in clause 
                        (iii).
                            ``(iii) The procedures described in this 
                        clause are as follows:
                                    ``(I) Divide the total amount 
                                collected in premiums for properties 
                                insured under the national flood 
                                insurance program in each participating 
                                State during the previous fiscal year 
                                by the number of properties insured 
                                under the national flood insurance 
                                program in that State for that fiscal 
                                year.
                                    ``(II) Add together each quotient 
                                obtained under subclause (I).
                                    ``(III) For each participating 
                                State, divide the quotient obtained 
                                under subclause (I) with respect to 
                                that State by the sum obtained under 
                                subclause (II).
                                    ``(IV) For each participating 
                                State, multiply the amount that is 50 
                                percent of the total amount made 
                                available under subparagraph (A) by the 
                                quotient obtained under subclause 
                                (III).
                            ``(iv) Except as provided in paragraph (5), 
                        in a fiscal year--
                                    ``(I) a participating State may not 
                                receive more than 15 percent of the 
                                total amount that is made available 
                                under subparagraph (A) in that fiscal 
                                year; and
                                    ``(II) if a participating State, 
                                based on the requirements under clauses 
                                (i) through (iii), would, but for the 
                                limit under subclause (I) of this 
                                clause, receive an amount that is 
                                greater than the amount the State is 
                                authorized to receive under that 
                                subclause, the difference between the 
                                authorized amount and the amount 
                                otherwise due to the State under 
                                clauses (i) through (iii) shall be 
                                allocated to other participating 
                                States--
                                            ``(aa) that, in that fiscal 
                                        year, have not received an 
                                        amount under subparagraph (A) 
                                        that is more than the 
                                        authorized amount under 
                                        subclause (I) of this clause; 
                                        and
                                            ``(bb) by using the 
                                        requirements under clauses (i) 
                                        through (iii), except that a 
                                        participating State may receive 
                                        an allocation under this 
                                        subclause only if the 
                                        allocation does not result in 
                                        the State receiving a total 
                                        amount for the fiscal year 
                                        under subparagraph (A) that is 
                                        greater than the authorized 
                                        amount under subclause (I).
            ``(4) No revolving fund required.--
                    ``(A) In general.--Notwithstanding any other 
                provision of this section, and subject to subparagraph 
                (B), a participating State that receives less than 
                $4,000,000 under paragraph (3)(B) in a fiscal year may 
                distribute the funds directly in the form of grants or 
                technical assistance for a purpose described in 
                subsection (c)(2), without regard to whether the State 
                has established a State loan fund.
                    ``(B) State matching.--A participating State that 
                exercises the authority under subparagraph (A) in a 
                fiscal year shall provide matching funds from non-
                Federal sources in an amount that is equal to 15 
                percent of the amount that the State receives under 
                paragraph (3)(B) in that fiscal year for purposes 
                described in subparagraph (A).
            ``(5) Allocation of remaining funds.--After allocating 
        amounts made available to carry out this section for a fiscal 
        year in accordance with paragraph (3), the Administrator shall 
        allocate any remaining amounts made available for that fiscal 
        year to participating States, using the procedures described in 
        clauses (i) through (iii) of paragraph (3)(B).
            ``(6) Allocation for tribal governments and insular 
        areas.--The Administrator shall reserve not less than 5.0 
        percent of the amount made available to carry out this section 
        in a fiscal year to enter into grant agreements with tribal 
        governments and insular areas, with the grant funds to be 
        distributed--
                    ``(A) according to criteria established by the 
                Administrator; and
                    ``(B) for a purpose described in subsection (c)(2).
            ``(7) Administrative costs; technical assistance.--The 
        Administrator shall reserve not more than 2.5 percent of the 
        amount made available to carry out this section in a fiscal 
        year--
                    ``(A) for administrative costs incurred in carrying 
                out this section; and
                    ``(B) to provide technical assistance to recipients 
                of grants under this section.
    ``(c) Use of Funds.--
            ``(1) In general.--Amounts deposited in a State loan fund, 
        including repayments of loans made from the fund and interest 
        earned on the amounts in the fund, shall be used--
                    ``(A) consistent with paragraphs (2) and (3) and 
                subsection (g), to provide financial assistance for--
                            ``(i) homeowners, businesses, and nonprofit 
                        organizations that are eligible to participate 
                        in the national flood insurance program;
                            ``(ii) any local government that 
                        participates in the national flood insurance 
                        program; and
                            ``(iii) any State government agencies or 
                        subdivisions of any State government that 
                        engage in floodplain management activities;
                    ``(B) as a source of revenue and security for 
                leveraged loans, the proceeds of which shall be 
                deposited in the State loan fund; or
                    ``(C) for the sale of bonds as security for payment 
                of the principal and interest on revenue or general 
                obligation bonds issued by the participating State to 
                provide matching funds under subsection (g), if the 
                proceeds from the sale of the bonds are deposited in 
                the State loan fund.
            ``(2) Purposes.--A recipient of financial assistance 
        provided through amounts from a State loan fund--
                    ``(A) shall use the amounts to reduce--
                            ``(i) flood risk; or
                            ``(ii) potential flood claims submitted 
                        under the national flood insurance program;
                    ``(B) shall use the amounts in a cost-effective 
                manner under requirements established by the State, 
                which may require an applicant for financial assistance 
                to submit any information that the State considers 
                relevant or necessary before the date on which the 
                applicant receives the assistance;
                    ``(C) shall use the amounts for projects that--
                            ``(i) meet design and construction 
                        standards established by the Administrator;
                            ``(ii) are located in communities that--
                                    ``(I) participate in the national 
                                flood insurance program; and
                                    ``(II) have developed a State, 
                                local, or tribal government hazard 
                                mitigation plan that has been approved 
                                by the Administrator under section 
                                1366;
                            ``(iii)(I) address a repetitive-loss 
                        property or a severe repetitive-loss property; 
                        or
                            ``(II) address flood risk in the 500-year 
                        floodplain, areas of residual flood risk, or 
                        other areas of potential flood risk, as 
                        identified by the Administrator; and
                            ``(iv) address current risk and anticipate 
                        future risk, such as sea-level rise;
                    ``(D) may use the amounts--
                            ``(i) for projects relating to--
                                    ``(I) structural elevation;
                                    ``(II) floodproofing;
                                    ``(III) the relocation or removal 
                                of buildings from the 100-year 
                                floodplain or other areas of flood 
                                risk, including the acquisition of 
                                properties for such a purpose;
                                    ``(IV) environmental restoration 
                                activities that directly reduce flood 
                                risk;
                                    ``(V) any eligible activity 
                                described in subparagraphs (A) through 
                                (G) of section 1366(c)(3); or
                                    ``(VI) other activities determined 
                                appropriate by the Administrator;
                            ``(ii) with respect to a project described 
                        in clause (i), only for expenditures directly 
                        related to a project described in that clause, 
                        including expenditures for planning, design, 
                        and associated pre-construction activities; and
                            ``(iii) to acquire, for the purposes of 
                        permanent protection, land, buildings, or a 
                        conservation easement from a willing seller or 
                        grantor;
                    ``(E) may not use the amounts--
                            ``(i) to construct buildings or expand 
                        existing buildings unless the activity is for 
                        the purpose of flood mitigation;
                            ``(ii) to improve any structure, unless the 
                        recipient has obtained flood insurance coverage 
                        in an amount at least equal to the lesser of 
                        the eligible project costs or the maximum 
                        insurable limit for the structure under the 
                        national flood insurance program coverage for 
                        the structure, which coverage shall be 
                        maintained for the useful life of the 
                        structure;
                            ``(iii) to improve a residential property 
                        with an appraised value that is not less than 
                        125 percent of the limitation on the maximum 
                        original principal obligation of a conventional 
                        mortgage that may be purchased by the Federal 
                        National Mortgage Association or the Federal 
                        Home Loan Mortgage Corporation in the area in 
                        which the property is located, as established 
                        under section 302(b)(2) of the Federal National 
                        Mortgage Association Charter Act (12 U.S.C. 
                        1717(b)(2)) and section 305(a)(2) of the 
                        Federal Home Loan Mortgage Corporation Act (12 
                        U.S.C. 1454(a)(2));
                            ``(iv) for the direct benefit of a 
                        homeowner if the annual household adjusted 
                        gross income of the homeowner during the 
                        previous fiscal year was not less than 
                        $200,000, as annually adjusted by the 
                        Administrator to reflect changes in the 
                        Consumer Price Index for All Urban Consumers, 
                        as published by the Bureau of Labor Statistics 
                        of the Department of Labor and rounded to the 
                        nearest $25; or
                            ``(v) to acquire real property or an 
                        interest in real property unless the property 
                        is purchased from a willing seller; and
                    ``(F) shall, in the use of such amounts, give 
                priority to the maximum extent practicable to projects 
                that assist low-income homeowners and low-income 
                geographical areas.
    ``(d) Intended Use Plans.--
            ``(1) In general.--After providing the opportunity for 
        public review and comment, each participating State shall 
        annually prepare a plan that identifies, for the year following 
        the date of issuance of the intended use plan, the intended 
        uses of the amounts available in the State loan fund of the 
        participating State.
            ``(2) Consultation during preparation.--Each participating 
        State, in preparing an intended use plan, shall ensure that the 
        State agency with primary responsibility for floodplain 
        management--
                    ``(A) provides oversight with respect to the 
                preparation of the intended use plan; and
                    ``(B) consults with any other appropriate State 
                agency, including agencies responsible for coastal and 
                environmental management.
            ``(3) Contents.--A participating State shall, in each 
        intended use plan--
                    ``(A) include--
                            ``(i) an explanation of the mitigation and 
                        resiliency benefits the State intends to 
                        achieve, including by--
                                    ``(I) reducing future damage and 
                                loss associated with flooding;
                                    ``(II) reducing the number of 
                                severe repetitive-loss properties and 
                                repetitive-loss properties in the 
                                State;
                                    ``(III) decreasing the number of 
                                flood insurance claims in the State; 
                                and
                                    ``(IV) increasing the rating under 
                                the Community Rating System for 
                                communities in the State;
                            ``(ii) information with respect to the 
                        availability of, and the application process 
                        for receiving, financial assistance from the 
                        State loan fund of the State;
                            ``(iii) the criteria and methods 
                        established for the distribution of amounts 
                        from the State loan fund of the State;
                            ``(iv) the amount of financial assistance 
                        that the State anticipates allocating to--
                                    ``(I) local government projects; 
                                and
                                    ``(II) projects for homeowners, 
                                business, or nonprofit organizations;
                            ``(v) the expected terms of the assistance 
                        provided under clause (iv); and
                            ``(vi) a description of the financial 
                        status of the State loan fund and the short-
                        term and long-term goals of the State loan 
                        fund; and
                    ``(B) provide, to the maximum extent practicable, 
                that priority for the use of amounts from the State 
                loan fund shall be given to projects that--
                            ``(i) address severe repetitive-loss 
                        properties and repetitive-loss properties;
                            ``(ii) assist low-income homeowners and 
                        low-income geographic areas; and
                            ``(iii) address flood risk for pre-FIRM 
                        buildings.
            ``(4) Publication.--Each participating State shall publish 
        and periodically update a list of all projects receiving 
        funding from the State loan fund of the State, which shall 
        include identification of--
                    ``(A) the community in which the project is 
                located;
                    ``(B) the type and amount of assistance provided 
                for each project; and
                    ``(C) the expected funding schedule and date of 
                completion of each project.
    ``(e) Fund Management.--Amounts in a State loan fund shall--
            ``(1) remain available for providing financial assistance 
        under this section until distributed;
            ``(2) if the amounts are not required for immediate 
        distribution or expenditure, be invested in interest-bearing 
        obligations; and
            ``(3) except as provided in subsection (i), include only--
                    ``(A) amounts received from capitalization grants 
                made under this section;
                    ``(B) repayments of loans made from the fund; and
                    ``(C) interest earned on amounts in the fund.
    ``(f) Matching Funds.--
            ``(1) Full grant.--On or before the date on which a 
        participating State receives a capitalization grant, the State 
        shall deposit into the State loan fund of the State, in 
        addition to the amount of the capitalization grant, an amount 
        from non-Federal sources that is not less than 10 percent of 
        the total amount of the capitalization grant.
            ``(2) Reduced grant.--Notwithstanding paragraph (1), if a 
        State deposits in the State loan fund of the State in 
        connection a capitalization grant an amount from non-Federal 
        sources that is less than 10 percent of the total amount of the 
        capitalization grant that would otherwise be received by the 
        State, the Administrator shall reduce the amount of the 
        capitalization grant received by the State to the amount that 
        is 10 times the amount so deposited and shall allocate such 
        remaining grant amounts under subsection (b)(5) together with 
        the amounts allocated under such subsection.
    ``(g) Types of Assistance.--Unless otherwise prohibited by State 
law, a participating State may use the amounts deposited into a State 
loan fund under this section only--
            ``(1) to make a loan, on the condition that--
                    ``(A) the interest rate for the loan is not more 
                than the market interest rate;
                    ``(B) the recipient of the loan will begin making 
                principal and interest payments on the loan not later 
                than 1 year after the date on which the project for 
                which the loan was made is completed;
                    ``(C) the loan will be fully amortized not later 
                than 20 years after the date on which the project for 
                which the loan was made is completed, except that, in 
                the case of a loan made for a project in a low-income 
                geographic area or to a low-income homeowner, the State 
                may provide a longer amortization period for the loan 
                if that longer period--
                            ``(i) ends on a date that is not later than 
                        30 years after the date on which the project is 
                        completed; and
                            ``(ii) is not longer than the expected 
                        design life of the project;
                    ``(D) the recipient of the loan demonstrates, based 
                on verified and documented information that, at the 
                time the loan is consummated, that the recipient has a 
                reasonable ability to repay the loan, according to its 
                terms, except that this subparagraph may not be 
                construed to authorize any reduction or limitation in 
                efforts to comply with the requirements of subsection 
                (c)(2)(E) (relating to priority for assistance for low-
                income homeowners and low-income geographical areas); 
                and
                    ``(E) payments of principal and interest with 
                respect to the loan will be deposited into the State 
                loan fund;
            ``(2) to buy or refinance the debt obligation of a local 
        government related to flood mitigation or resiliency 
        activities, at an interest rate that is not more than the 
        market interest rate;
            ``(3) to guarantee, or purchase insurance for, a local 
        obligation, the proceeds of which finance a project eligible 
        for assistance under this section, if the guarantee or 
        purchase, as applicable, would--
                    ``(A) improve credit market access; or
                    ``(B) reduce the interest rate with respect to the 
                obligation;
            ``(4) as a source of revenue or as security for the payment 
        of principal and interest on revenue or general obligation 
        bonds issued by the State if the proceeds of the sale of the 
        bonds will be deposited into the State loan fund; or
            ``(5) to earn interest on those amounts.
    ``(h) Assistance for Low-Income Homeowners and Low-Income 
Geographic Areas.--
            ``(1) In general.--Notwithstanding any other provision of 
        this section, if a participating State uses amounts from a 
        State loan fund to provide financial assistance under 
        subsection (c) in a low-income geographic area or to a low-
        income homeowner, the State may provide additional 
        subsidization to the recipient of the assistance, including 
        forgiveness of the principal of a loan.
            ``(2) Limitation.--For each fiscal year, the total amount 
        of additional subsidization provided by a participating State 
        under paragraph (1) may not exceed 30 percent of the amount of 
        the capitalization grant allocated to the State for that fiscal 
        year.
    ``(i) Administration of Fund.--
            ``(1) In general.--A participating State may combine the 
        financial administration of a State loan fund with the 
        financial administration of any other revolving fund 
        established by the State if--
                    ``(A) combining the administration of the funds 
                would--
                            ``(i) be convenient and avoid 
                        administrative costs; and
                            ``(ii) not violate the law of the State; 
                        and
                    ``(B) the Administrator determines that--
                            ``(i) amounts obtained from a grant made 
                        under this section, amounts obtained from the 
                        repayment of a loan made from a State loan 
                        fund, and interest earned on amounts in a State 
                        loan fund will be--
                                    ``(I) accounted for separately from 
                                amounts from other revolving funds; and
                                    ``(II) used only for purposes 
                                authorized under this section; and
                            ``(ii) after consulting with the 
                        appropriate State agencies, the authority to 
                        establish assistance priorities and carry out 
                        oversight and related activities, other than 
                        financial administration, with respect to flood 
                        assistance remains with the State agency with 
                        primary responsibility for floodplain 
                        management.
            ``(2) Administrative and technical costs.--
                    ``(A) In general.--For each fiscal year, a 
                participating State may use the amount described in 
                subparagraph (B) to--
                            ``(i) pay the reasonable costs of 
                        administration of the programs under this 
                        section, including the recovery of reasonable 
                        costs incurred in establishing a State loan 
                        fund;
                            ``(ii) provide appropriate oversight of 
                        projects authorized under this section; and
                            ``(iii) provide technical assistance and 
                        outreach to recipients in the State of amounts 
                        under this section, including with respect to 
                        updating hazard mitigation plans and 
                        participating in the Community Rating System, 
                        in an amount that is not more than 4 percent of 
                        the funds made available to the State under 
                        this section.
                    ``(B) Description.--The amount described in this 
                subparagraph is an amount equal to the sum of--
                            ``(i) any fees collected by a participating 
                        State to recover the costs described in 
                        subparagraph (A)(i), regardless of the source; 
                        and
                            ``(ii) the greatest of--
                                    ``(I) $400,000;
                                    ``(II) 0.2 percent of the value of 
                                the State loan fund of a State, as of 
                                the date on which the valuation is 
                                made; and
                                    ``(III) an amount equal to 7 
                                percent of all grant awards made to a 
                                participating State for the State loan 
                                fund of the State under this section 
                                for the fiscal year.
            ``(3) Audit and report.--
                    ``(A) Audit requirement.--Not less frequently than 
                biennially, each participating State shall conduct an 
                audit of the State loan fund of the State.
                    ``(B) Report.--Each participating State shall 
                submit to the Administrator a biennial report regarding 
                the activities of the State under this section during 
                the period covered by the report, including--
                            ``(i) the result of any audit conducted by 
                        the State under subparagraph (A); and
                            ``(ii) a review of the effectiveness of the 
                        State loan fund of the State with respect to--
                                    ``(I) the intended use plans of the 
                                State; and
                                    ``(II) meeting the objectives 
                                described in subsection (b)(1).
            ``(4) Oversight.--In conducting oversight with respect to 
        State loan funds established under this section, the 
        Administrator--
                    ``(A) shall--
                            ``(i) periodically audit the funds in 
                        accordance with procedures established by the 
                        Comptroller General of the United States; and
                            ``(ii) not less frequently than once every 
                        4 years, review each State loan fund to 
                        determine the effectiveness of the fund in 
                        reducing flood risk; and
                    ``(B) may, at any time--
                            ``(i) make recommendations to a 
                        participating State with respect to the 
                        administration of the State loan fund of the 
                        State; or
                            ``(ii) require specific changes with 
                        respect to a State loan fund in order to 
                        improve the effectiveness of the fund.
    ``(j) Liability Protections.--The Federal Government shall not be 
liable for any claim based upon the exercise or performance of, or the 
failure to exercise or perform, a discretionary function or duty on the 
part of the Federal agency, or an employee of the Federal Government, 
in carrying out the provision of this section.
    ``(k) Regulations.--The Administrator shall promulgate such 
guidance or regulations as may be necessary to carry out this section, 
including guidance or regulations that--
            ``(1) ensure that each participating State to which funds 
        are allocated under this section uses the funds as efficiently 
        as possible;
            ``(2) reduce, to the maximum extent practicable, waste, 
        fraud, and abuse with respect to the implementation of this 
        section; and
            ``(3) require any party that receives funds directly or 
        indirectly under this section, including a participating State 
        and a recipient of amounts from a State loan fund, to use 
        procedures with respect to the management of the funds that 
        conform to generally accepted accounting standards.
    ``(l) Authorization of Appropriations.--There ia authorized to be 
appropriated to carry out this section $50,000,000 for each of fiscal 
years 2020 through 2024.''.

SEC. 106. USE OF REPLACEMENT COST VALUE IN ESTIMATING PREMIUM RATES.

    Section 1307 of the National Flood Insurance Act of 1968 (42 U.S.C. 
4014) is amended by adding at the end the following new subsection:
    ``(i) Use of Replacement Cost Value.--In determining affordability 
for insurance provided under this title, the Administrator may 
consider, where appropriate, the impact of the inclusion of the 
replacement cost or other settlement basis of the structure.''.

SEC. 107. REFUND OF PREMIUMS UPON CANCELLATION OF POLICY BECAUSE OF 
              REPLACEMENT WITH PRIVATE FLOOD INSURANCE.

    Section 1306 of the National Flood Insurance Act of 1968 (42 U.S.C. 
4013) is amended by adding at the end the following new subsection:
    ``(e) Refund of Unearned Premiums for Policies Canceled Because of 
Replacement With Private Flood Insurance.--
            ``(1) Required refund.--Subject to subsection (c), if at 
        any time an insured under a policy for flood insurance coverage 
        for a property that is made available under this title cancels 
        such policy because other duplicate flood insurance coverage 
        for the same property has been obtained from a source other 
        than the National Flood Insurance Program under this title, the 
        Administrator shall refund to the former insured a portion of 
        the premiums paid for the coverage made available under this 
        title, as determined consistent with industry practice 
        according to the portion of the term of the policy that such 
        coverage was in effect, but only if a copy of declarations page 
        of the new policy obtained from a source other than the program 
        under this title is provided to the Administrator.
            ``(2) Effective date of cancellation.--For purposes of this 
        subsection, a cancellation of a policy for coverage made 
        available under the National Flood Insurance Program under this 
        title, for the reason specified in paragraph (1), shall be 
        effective--
                    ``(A) on the effective date of the new policy 
                obtained from a source other than the program under 
                this title, if the request for such cancellation was 
                received by the Administrator before the expiration of 
                the 6-month period beginning on the effective date of 
                the new policy; or
                    ``(B) on the date of the receipt by the 
                Administrator of the request for cancellation, if the 
                request for such cancellation was received by the 
                Administrator after the expiration of the 6-month 
                period beginning on the effective date of the new 
                policy.
            ``(3) Prohibition of refunds for properties receiving 
        increased cost of compliance claims.--No premium amounts paid 
        for coverage made available under this title may be refunded 
        pursuant to this subsection--
                    ``(A) with respect to coverage for any property for 
                which measures have been implemented using amounts 
                received pursuant to a claim under increased cost of 
                compliance coverage made available pursuant to section 
                1304(b); or
                    ``(B) if a claim has been paid or is pending under 
                the policy term for which the refund is sought.''.

                           TITLE II--MAPPING

SEC. 201. REAUTHORIZATION OF APPROPRIATIONS FOR NATIONAL FLOOD MAPPING 
              PROGRAM.

    Subsection (f) of section 100216 of the Biggert-Waters Flood 
Insurance Reform Act of 2012 (42 U.S.C. 4101(b)) is amended by striking 
``$400,000,000 for each of fiscal years 2013 through 2017'' and 
inserting ``$500,000,000 for each of fiscal years 2019 through 2023''.

SEC. 202. NATIONAL FLOOD MAPPING PROGRAM.

    (a) Inclusion of Cadastral Features in Rate Maps.--Section 
100216(b)(3) of the Biggert-Waters Flood Insurance Reform Act of 2012 
(42 U.S.C. 4101b(b)(3)) is amended--
            (1) in subparagraph (D), by striking ``and'' at the end;
            (2) in subparagraph (E), by striking the period at the end 
        and inserting ``; and''; and
            (3) by adding at the end the following:
                    ``(F) cadastral features, including, for each 
                cadastral feature--
                            ``(i) the associated parcel identification 
                        data for such cadastral feature; and
                            ``(ii) to the maximum extent practicable, 
                        using public and private sector address data, 
                        the address of such cadastral feature.''.
    (b) Format of Rate Maps.--Section 100216(c)(2) of the Biggert-
Waters Flood Insurance Reform Act of 2012 (42 U.S.C. 4101b(c)(2)) is 
amended--
            (1) in subparagraph (B), by striking ``and'' at the end;
            (2) in subparagraph (C), by striking the period at the end 
        and inserting ``; and''; and
            (3) by adding at the end the following:
                    ``(D) spatially accurate in accordance with the 
                common protocols for geospatial data under section 757 
                of the Geospatial Data Act of 2018 (43 U.S.C. 2806).''.
    (c) Additional Considerations.--Section 100216 of the Biggert-
Waters Flood Insurance Reform Act of 2012 (42 U.S.C. 4101b) is 
amended--
            (1) by redesignating subsection (f) as subsection (m); and
            (2) by inserting after subsection (e) the following:
    ``(g) Stream Flow Networks.--
            ``(1) In general.--The Administrator shall coordinate with 
        the United States Geological Survey for the sharing of data 
        from stream flow networks critical to the National Flood 
        Insurance Program, flood risk mapping, and flood risk 
        assessments, to ensure that--
                    ``(A) the stream gage stations in such stream flow 
                networks are operational and use modern hardware;
                    ``(B) such stream flow networks are sufficiently 
                densified by adding new stream gage stations in high-
                risk areas;
                    ``(C) inactive critical stream gage stations in 
                such stream flow networks are reactivated; and
                    ``(D) the speed of the geospatial real-time data 
                feeds from such stream gage stations is increased.
            ``(2) Definitions.--In this subsection:
                    ``(A) Stream flow network.--The term `stream flow 
                network' means a network of stream flow gages 
                maintained under the direction of the United States 
                Geological Survey and its partners that is used to 
                measure or record the flow of water down a stream or 
                river, or through an entire watershed system, and 
                transmit such information using a geospatial real-time 
                data feed.
                    ``(B) Stream gage station.--The term `stream gage 
                station' means a device installed at the edge of a 
                river or stream that measures or records the flow of 
                water down the stream and additional information such 
                as water height, water chemistry, and water 
                temperature.
            ``(3) Rule of construction.--The purpose of this subsection 
        is to require cooperation between the Federal Emergency 
        Management Agency and United States Geological Survey and 
        nothing in this subsection may be construed to require or 
        obligate funding expenditures.
    ``(h) Availability of Data to Public.--The Administrator shall make 
available to the public on the website of the Federal Emergency 
Management Agency a national geospatial data repository that--
            ``(1) provides access to the raw data used to include the 
        cadastral features and parcel identification data in National 
        Flood Insurance Program rate maps;
            ``(2) to the extent that such data is available, allows 
        users to view, query, and obtain such data at multiple levels 
        of detail, including down to the property level;
            ``(3) allows users to view flood risks, flood insurance 
        zones, and flood elevations;
            ``(4) provides access to flood mapping and related 
        information such as--
                    ``(A) hydrologic and hydraulic models used in 
                determining flood risk;
                    ``(B) structure footprints where available as part 
                of a national structure inventory;
                    ``(C) flood depth grids;
                    ``(D) flood risk reports;
                    ``(E) flood risk assessments (Hazus analyses);
                    ``(F) hazard mitigation plans; and
                    ``(G) other flood risk products at the discretion 
                of the Administrator; and
            ``(5) maintains and disseminates such data in a consistent 
        manner.
    ``(i) Ensuring Current Data.--Not less frequently than once every 5 
years, the Administrator shall verify that each National Flood 
Insurance Program rate map contains data that is current and credible.
    ``(j) Qualifications-Based Selection Contracting.--
            ``(1) In general.--With respect to a contract awarded by 
        the Administrator under this Act, or by an entity receiving a 
        grant under this Act, for program management, architectural and 
        engineering services, or surveying and mapping, such a contract 
        shall be awarded to a contractor selected in accordance with 
        the procedures described in section 1103 of title 40, United 
        States Code (or an applicable equivalent State qualifications-
        based statute). The Administrator, or entity, as the case may 
        be, shall require such contractor, as a condition of such 
        contract, to award any subcontract for program management, 
        architectural and engineering services, or surveying and 
        mapping in accordance with the procedures described in the 
        previous sentence, or the applicable equivalent State statute.
            ``(2) Relationship to state law.--Nothing in this 
        subsection shall supersede any applicable State licensing law 
        governing professional licensure.
            ``(3) Definitions.--In this subsection:
                    ``(A) Architectural and engineering services.--The 
                term `architectural and engineering services' has the 
                meaning given that term in section 1102 of title 40, 
                United States Code.
                    ``(B) Surveying and mapping.--The term `surveying 
                and mapping' includes geospatial activities associated 
                with measuring, locating, and preparing maps, charts, 
                or other graphical or digital presentations depicting 
                natural and man-made physical features, phenomena, and 
                legal boundaries of the earth, including the following:
                            ``(i) Topographic Engineering Surveying, 
                        including acquisition of topographic oriented 
                        surveying and mapping data for design, 
                        construction, master planning, operations, as-
                        built conditions, precise structure stability 
                        studies using conventional and electronic 
                        instrumentation, photogrammetric, LiDAR, remote 
                        sensing, inertial, satellite, and other manned 
                        and unmanned survey methods as applicable.
                            ``(ii) Hydrographic Engineering Surveying, 
                        including acquisition of hydrographic oriented 
                        surveying and mapping data for design, 
                        construction, dredging, master planning, 
                        operations, and as-built conditions using 
                        conventional and electronic instrumentation, 
                        and photogrammetric, remote sensing, inertial, 
                        satellite, side scan sonar, subbottom 
                        profiling, and other surveying methods, as 
                        applicable.
                            ``(iii) Land Surveying, including property 
                        and boundary surveys, monumentation, marking 
                        and posting, and preparation of tract 
                        descriptions, using conventional, electronic 
                        instrumentation, photogrammetric, inertial, 
                        satellite, and other survey methods, as 
                        applicable.
                            ``(iv) Geodetic Surveying, including first, 
                        second, and third order horizontal and vertical 
                        control surveys, geodetic astronomy, gravity 
                        and magnetic surveys using conventional, 
                        electronic instrumentation, photogrammetric, 
                        inertial, satellite, and other survey methods, 
                        as applicable.
                            ``(v) Cartographic Surveying, including 
                        acquisition of topographic and hydrographic 
                        oriented surveying and mapping data for 
                        construction of maps, charts, and similar 
                        products for planning, flood analysis, and 
                        general use purposes using conventional and 
                        electronic instrumentation, photogrammetric, 
                        inertial, satellite, mobile, terrestrial, and 
                        other survey methods, as applicable.
                            ``(vi) Mapping, charting, and related 
                        geospatial database development, including the 
                        design, compilation, digitizing, attributing, 
                        scribing, drafting, printing and dissemination 
                        of printed or digital map, chart, and related 
                        geospatial database products associated with 
                        planning, engineering, operations, and related 
                        real estate activities using photogrammetric, 
                        geographic information systems, and other 
                        manual and computer assisted methods, as 
                        applicable.
    ``(k) Definitions.--In this section:
            ``(1) Cadastral feature.--The term `cadastral feature' 
        means the geographic elements and features--
                    ``(A) that are independent of elevation, such as 
                roads, structure footprints, and rivers and lakes;
                    ``(B) which are represented on maps to show the 
                true location and size of the elements in relationship 
                to each other, as they are seen from the air; and
                    ``(C) that are mapped from LiDAR or aerial 
                photography by employing basic photogrammetry.
            ``(2) Parcel identification data.--The term `parcel 
        identification data' means the information associated with a 
        parcel of land, including the geographic location, unique 
        parcel identifier, boundaries, structures contained within the 
        parcel, zoning classification, and owner.''.

SEC. 203. FLOOD MAPPING MODERNIZATION AND HOMEOWNER EMPOWERMENT PILOT 
              PROGRAM.

    (a) In General.--The Administrator of the Federal Emergency 
Management Agency shall carry out a pilot program to make grants to 
units of local government to enhance the mapping of urban flooding and 
associated property damage and the availability of such mapped data to 
homeowners, businesses, and units of local government to enable them to 
minimize the risk of such flooding.
    (b) Objectives.--Amounts from grants made under the pilot program 
under this section may be used only to carry out activities to meet the 
following objectives:
            (1) To develop a methodology for assessing urban flood risk 
        through the deployment of technology-based mapping tools that 
        are easily understandable by the public and effectively convey 
        information regarding the level of flood risk.
            (2) To provide structure-specific projections of annual 
        chance flood frequency.
            (3) To provide structure-based flood-risk assessments.
            (4) To provide urban flood-risk mitigation program design.
            (5) To incorporate information regarding climate trends 
        into urban flooding risk assessments.
            (6) To make the information described in this subsection 
        publicly available on the internet through a web-based portal 
        so as to increase transparency regarding homeowner flood risks, 
        except that the Administrator may not disclose such information 
        to the public or to a private company in a manner that violates 
        section 552a of title 5, United States Code, or any regulation 
        implementing that section.
    (c) Eligible Recipients.--
            (1) In general.--Grants under the pilot program under this 
        section may be made only to units of general local government 
        located in urbanized areas, as such term is used by the Bureau 
        of the Census of the Department of Commerce, having populations 
        exceeding 50,000 or to stormwater management authorities of 
        such units of general local government.
            (2) One-time grants.--A grant under the pilot program under 
        this section may not be made to--
                    (A) any unit of general local governmental, or 
                stormwater management authority of a unit of general 
                government, that has previously received a grant under 
                the pilot program;
                    (B) any unit of general local government if the 
                stormwater management agency for such unit has 
                previously received a grant under the pilot program; or
                    (C) any stormwater management agency of a unit of 
                general local government if such unit has previously 
                received a grant under the pilot program.
            (3) Treatment of stormwater management authorities.--In the 
        case of a stormwater management authority that operates with 
        respect to more than one unit of general local government, the 
        application of such authority shall be considered for purposes 
        of paragraph (2) of this subsection and subsections (e), (f), 
        and (g)(1) to be made for the largest unit of general local 
        government for which such authority operates. The preceding 
        sentence shall not limit the ability of such authority to carry 
        out activities under the demonstration project in any other 
        jurisdictions or unit of local government with respect to which 
        the authority operates.
    (d) Applications.--To be eligible for a grant under this section a 
unit of general local government or stormwater management agency shall 
submit to the Administrator an application in such form and containing 
such information as the Administrator shall require.
    (e) Selection of Recipients.--
            (1) Annual selection.--Subject to paragraph (2) and to the 
        submission of approvable applications, in each fiscal year for 
        which amounts are made available for grants under the pilot 
        program under this section the Administrator shall select, from 
        among applications submitted under subsection (d) for such 
        fiscal year, 3 units of general government or stormwater 
        management authorities to receive grants under the pilot 
        program under this section.
            (2) Aggregate limit.--Subject only to the submission of 
        approvable applications, the Administrator shall select, in the 
        aggregate over the entire duration of the pilot program under 
        this section, 12 units of general government or stormwater 
        management authorities to receive grants under the pilot 
        program, as follows:
                    (A) Tier 1.--Three of the applicants selected shall 
                be units of general local government, or stormwater 
                management authorities for such units, having a 
                population exceeding 800,000, as follows:
                            (i) Pelagic coastal city.--One shall be a 
                        unit of general local government, or stormwater 
                        authority for such a unit, that is a pelagic 
                        unit.
                            (ii) Non-pelagic coastal city.--One shall 
                        be unit of general local government, or 
                        stormwater authority for such a unit, that is a 
                        coastal unit, but not a pelagic unit.
                            (iii) Non-coastal city.--One shall be unit 
                        of general local government, or stormwater 
                        authority for such a unit, that is not a 
                        coastal unit.
                    (B) Tier 2.--Six of the applicants selected shall 
                be units of general local government, or stormwater 
                management authorities for such units, having a 
                population exceeding 200,000 but not exceeding 800,000, 
                as follows:
                            (i) Coastal cities.--Three shall be units 
                        of general local government, or stormwater 
                        management authorities for such units, that are 
                        coastal units.
                            (ii) Non-coastal cities.--Three shall be 
                        units of general local government, or 
                        stormwater management authorities for such 
                        units, that are not coastal units.
                    (C) Tier 3.--Three of the applicants selected shall 
                be units of general local government, or stormwater 
                management authorities for such units, having a 
                population exceeding 50,000 but not exceeding 200,000.
    (f) Priority.--
            (1) In general.--The Administrator shall select applicants 
        for grants under the pilot program under this section based on 
        the extent to which their applications will achieve the 
        objectives set forth in subsection (b).
            (2) Tiers 2 and 3.--In selecting applicants to receive 
        grants under the pilot program under this section pursuant to 
        subparagraphs (B) and (C) of subsection (e)(2), the 
        Administrator shall give priority to applicants--
                    (A) that are highly vulnerable to sea level rise;
                    (B) within which are located a military 
                installation or other facility relating to national 
                security concerns; or
                    (C) that have a population that is highly 
                vulnerable to urban flooding and have an uneven 
                capacity for flood mitigation and response efforts 
                resulting from socioeconomic factors.
    (g) Amount.--
            (1) Considerations.--In determining the amount of grant 
        under the pilot program under this section, the Administrator 
        shall consider the population of the grant recipient, which may 
        be considered in terms of the tier under subsection (e)(2) of 
        the recipient.
            (2) Federal share.--The amount of a grant under the pilot 
        program under this section may not exceed 75 percent of the 
        total cost of the activities under subsection (b) to be carried 
        out using the grant amounts.
    (h) Duration.--The Administrator shall require each recipient of a 
grant under the pilot program under this section to complete the 
activities under subsection (b) to be carried out using the grant 
amounts before the expiration of the 18-month period beginning upon the 
initial receipt of grant amounts under the pilot program.
    (i) Use of Census Data.--The Administrator shall make all 
determinations under the pilot program regarding population using the 
most recent available data from the decennial census.
    (j) Grantee Reports to FEMA.--Each recipient of a grant under the 
pilot program under this section shall, not later than the expiration 
of the 30-month period beginning upon the initial receipt of any such 
grant amounts, submit to the Administrator a report that describes--
            (1) the activities carried out with amounts from the grant;
            (2) how the activities carried out with such grant amounts 
        have met the objectives described in subsection (b); and
            (3) any lessons learned in carrying out such activities and 
        any recommendations for future mapping modernization efforts by 
        the Federal Emergency Management Agency.
    (k) Biennial Reports by FEMA.--Not later than the expiration of the 
24-month period beginning on the date of the enactment of this Act, and 
not later than the expiration of each successive 24-month period 
thereafter until the completion of all activities carried out with 
amounts from grants under the pilot program under this section, the 
Administrator shall submit to the Congress and make available to the 
public on an internet website a report that--
            (1) describes--
                    (A) the progress of the activities carried out with 
                amounts from such grants; and
                    (B) the effectiveness of technology-based mapping 
                tools used in carrying out the activities described in 
                subparagraph (A); and
            (2) with respect to the final report that the Administrator 
        is required to submit under this subsection, includes 
        recommendations to the Congress and the executive branch of the 
        Federal Government for implementing strategies, practices, and 
        technologies to mitigate the effects of urban flooding.
    (l) Sense of Congress.--It is the sense of the Congress that, 
because the pilot program is limited with respect to scope and 
resources, communities that participate in the pilot program should 
acknowledge that the most successful efforts to mitigate the effects of 
urban flooding--
            (1) take a structural-based mitigation approach with 
        respect to construction, which includes--
                    (A) recognizing any post-storm damage that may 
                occur; and
                    (B) pursuing designs that proactively minimize 
                future flood damage;
            (2) make individuals in the community aware, through any 
        cost-effective and available means of education, of the best 
        approaches regarding the construction of properties that are 
        able to survive floods, which reduces the cost of future 
        repairs; and
            (3) encourage home and property owners to consider the 
        measures described in paragraphs (1) and (2), which are the 
        most cost-effective and prudent ways to reduce the impact of 
        flooding, when constructing or renovating building components.
    (m) Definitions.--For purposes of this section, the following 
definitions shall apply:
            (1) Administrator.--The term ``Administrator'' means the 
        Administrator of the Federal Emergency Management Agency.
            (2) Coastal.--The term ``coastal'' means, with respect to a 
        unit of general local government, that the unit borders a body 
        of water that--
                    (A) exceeds 2,000 square miles in size; and
                    (B) is not a river.
            (3) Pelagic.--The term ``pelagic'' means, with respect to a 
        unit of general local government, that the unit is a coastal 
        unit and the body of water that the unit borders is an ocean or 
        other large, open body of water (including bays and gulfs) that 
        empties into an ocean.
            (4) Urban flooding.--
                    (A) In general.--The term ``urban flooding'' means 
                the inundation of property in a built environment, 
                particularly in more densely populated areas, caused 
                either by falling rain collecting on impervious 
                surfaces or increasing the levels of nearby water 
                bodies and overwhelming the capacity of drainage 
                systems, such as storm sewers, including--
                            (i) situations in which stormwater enters 
                        buildings through windows, doors, or other 
                        openings;
                            (ii) water backup through sewer pipes, 
                        showers, toilets, sinks, and floor drains;
                            (iii) seepage through walls and floors;
                            (iv) the accumulation of water on property 
                        or public rights-of-way; and
                            (v) the overflow from water bodies, such as 
                        rivers, lakes, and oceans.
                    (B) Exclusion.--Such term does not include flooding 
                in undeveloped or agricultural areas.
    (n) Funding.--There is authorized to be appropriated for grants 
under the pilot program under this section--
            (1) $1,200,000 for fiscal year 2020; and
            (2) $4,300,000 for fiscal year 2021, to remain available 
        through 2023.

SEC. 204. MAPPING IMPROVEMENTS AND REACH.

    (a) Expanding Mapping to All Areas of the United States.--
Subparagraph (A) of section 100216(b)(1) of the Biggert-Waters Flood 
Insurance Reform Act of 2012 (42 U.S.C. 4101b(b)(1)(A)) is amended--
            (1) in clause (v), by striking ``and'' at the end;
            (2) by redesignating clause (vi) as clause (vii); and
            (3) by inserting after clause (v) the following:
                            ``(vi) all areas of the United States; 
                        and''.
    (b) Use of Other Federal Agencies and LIDAR.--Section 100216 of the 
Biggert-Waters Flood Insurance Reform Act of 2012 (42 U.S.C. 4101b) is 
amended--
            (1) in subsection (b)(1)--
                    (A) by redesignating subparagraphs (B) and (C) as 
                subparagraphs (C) and (D), respectively;
                    (B) by inserting after subparagraph (A) the 
                following:
                    ``(B) as soon as practicable--
                            ``(i) modernize the flood mapping inventory 
                        for communities for which the National Flood 
                        Insurance Program rate maps have not been 
                        modernized; and
                            ``(ii) in coordination with communities, 
                        utilize the digital display environment 
                        established under subsection (f)(1)(A) to 
                        produce, store, and disseminate any flood 
                        hazard data, models, and maps generated under 
                        clause (i) while ensuring that the flood 
                        mapping inventory described in that clause may 
                        be printed in order to carry out--
                                    ``(I) floodplain management 
                                programs under the National Flood 
                                Insurance Act of 1968 (42 U.S.C. 4001 
                                et seq.); and
                                    ``(II) other purposes of the 
                                National Flood Insurance Program;'';
                    (C) in subparagraph (C), as so redesignated, by 
                striking ``and'' at the end;
                    (D) in subparagraph (D), as so redesignated, by 
                striking the period at the end and inserting ``, and 
                including the most current and most appropriate remote 
                sensing or other geospatial mapping technology;'';
                    (E) by adding at the end the following:
                    ``(E) when appropriate, partner with other Federal 
                agencies, States, communities, and private entities in 
                order to meet the objectives of the program; and
                    ``(F) when appropriate, consult and coordinate with 
                the Secretary of Defense, the Director of the United 
                States Geological Survey, and the Administrator of the 
                National Oceanic and Atmospheric Administration to 
                obtain the most up-to-date maps and other information 
                of those agencies, including information relating to 
                topography, water flow, watershed characteristics, and 
                any other issues that are relevant to identifying, 
                reviewing, updating, maintaining, and publishing 
                National Flood Insurance Program rate maps.'';
            (2) by inserting after subsection (e) the following new 
        subsection:
    ``(f) Digital Display Environment and Building-specific Flood 
Hazard and Risk Information.--
            ``(1) Establishment.--
                    ``(A) In general.--Not later than 5 years after the 
                date of enactment of the National Flood Insurance 
                Program Reauthorization Act of 2019, the Administrator, 
                in consultation with the Technical Mapping Advisory 
                Council, shall establish, as part of a national 
                structure inventory, a dynamic, database-derived 
                digital display environment for flood hazard and risk 
                data, models, maps, and assessments.
                    ``(B) Consultation with states and communities.--In 
                designing and constructing the digital display 
                environment under subparagraph (A), the Administrator 
                shall--
                            ``(i) leverage and partner with States and 
                        communities that have successfully implemented 
                        the same approach; and
                            ``(ii) consider adopting the techniques and 
                        technologies used by the States and communities 
                        described in clause (i) and applying those 
                        techniques and technologies nationwide.
            ``(2) Digital display system.--
                    ``(A) In general.--In carrying out paragraph (1), 
                the Administrator, in consultation with the Technical 
                Mapping Advisory Council, shall establish a national 
                digital display system that shall--
                            ``(i) be prompted through dynamic querying 
                        of a spatial, relational flood hazard and risk 
                        database;
                            ``(ii) as permissible under law, be made 
                        available to the public;
                            ``(iii) to the extent feasible, and where 
                        sufficient data is available, provide 
                        information, with respect to individual 
                        structures, regarding--
                                    ``(I) flood hazard and risk 
                                assessment determinations;
                                    ``(II) flood insurance; and
                                    ``(III) flood risk mitigation 
                                efforts;
                            ``(iv) be constructed in a manner that 
                        facilitates coordination with digital display 
                        systems that--
                                    ``(I) have been developed by State 
                                and community partners; and
                                    ``(II) the Administrator finds are 
                                acceptable;
                            ``(v) include the capability to print 
                        physical copies of maps; and
                            ``(vi) where feasible, allow for the 
                        maintenance and storage of elevation 
                        certificates.
                    ``(B) Privacy requirements.--The Administrator may 
                not disseminate the database described in subparagraph 
                (A)(i), including any data used to create that 
                database, to the public or to a private company in a 
                manner that violates section 552a of title 5, United 
                States Code, or any regulation implementing that 
                section.'';
            (3) by inserting after subsection (k), as added by the 
        preceding provisions of this Act, the following:
    ``(l) Annual Report.--The Administrator, in coordination with the 
Technical Mapping Advisory Council established under section 100215 of 
this Act, shall submit to the Committee on Financial Services of the 
House of Representatives and the Committee on Banking, Housing, and 
Urban Affairs of the Senate an annual report regarding progress 
achieved in the mapping program under this section, including the 
digital display and structure-specific information required under 
subsection (f), which shall include recommendations to reduce the cost 
and improve the implementation of that subsection.''.
    (c) Future Flood Risk.--Section 100216(d) of the Biggert-Waters 
Flood Insurance Reform Act of 2012 (42 U.S.C. 4101b) is amended by 
adding at the end the following:
            ``(3) Future flood risk.--The Administrator shall, in 
        consultation with the Technical Mapping Council established 
        under section 100215, provide financial and technical 
        assistance to communities to incorporate future flood hazard 
        conditions as an informational layer on their Flood Insurance 
        Rate Maps.''.

SEC. 205. APPEALS REGARDING EXISTING FLOOD MAPS.

    (a) In General.--Section 1360 of the National Flood Insurance Act 
of 1968 (42 U.S.C. 4101) is amended by adding at the end the following 
new subsection:
    ``(k) Appeals of Existing Maps.--
            ``(1) Right to appeal.--A State or local government, or the 
        owner or lessee of real property, who has made a formal request 
        to the Administrator to update a flood map that the 
        Administrator has denied may at any time appeal such a denial 
        as provided in this subsection.
            ``(2) Basis for appeal.--The basis for appeal under this 
        subsection shall be the possession of knowledge or information 
        that--
                    ``(A) the base flood elevation level or designation 
                of any aspect of a flood map is scientifically or 
                technically inaccurate; or
                    ``(B) factors exist that mitigate the risk of 
                flooding, including ditches, banks, walls, vegetation, 
                levees, lakes, dams, reservoirs, basin, retention 
                ponds, and other natural or manmade topographical 
                features.
            ``(3) Appeals process.--
                    ``(A) Administrative adjudication.--An appeal under 
                this subsection shall be determined by a final 
                adjudication on the record, and after opportunity for 
                an administrative hearing.
                    ``(B) Rights upon adverse decision.--If an appeal 
                pursuant to subparagraph (A) does not result in a 
                decision in favor of the State, local government, 
                owner, or lessee, such party may appeal the adverse 
                decision to the Scientific Resolution Panel provided 
                for in section 1363A, which shall recommend a non-
                binding decision to the Administrator.
            ``(4) Relief.--
                    ``(A) Wholly successful appeals.--In the case of a 
                successful appeal resulting in a policyholder's 
                property being removed from a special flood hazard 
                area, such policyholder may cancel the policy at any 
                time within the current policy year, and the 
                Administrator shall provide such policyholder a refund 
                in the amount of any premiums paid for such policy 
                year, plus any premiums paid for flood insurance 
                coverage that the policyholder was required to purchase 
                or maintain during the 2-year period preceding such 
                policy year.
                    ``(B) Partially successful appeals.--In the case of 
                any appeal in which mitigating factors were determined 
                to have reduced, but not eliminated, the risk of 
                flooding, the Administrator shall reduce the amount of 
                flood insurance coverage required to be maintained for 
                the property concerned by the ratio of the successful 
                portion of the appeal as compared to the entire appeal. 
                The Administrator shall refund to the policyholder any 
                payments made in excess of the amount necessary for 
                such new coverage amount, effective from the time when 
                the mitigating factor was created or the beginning of 
                the second policy year preceding the determination of 
                the appeal, whichever occurred later.
                    ``(C) Additional relief.--The Administrator may 
                provide additional refunds in excess of the amounts 
                specified in subparagraphs (A) and (B) if the 
                Administrator determines that such additional amounts 
                are warranted.
            ``(5) Recovery of costs.--When, incident to any appeal 
        which is successful in whole or part regarding the designation 
        of the base flood elevation or any aspect of the flood map, 
        including elevation or designation of a special flood hazard 
        area, the community, or the owner or lessee of real property, 
        as the case may be, incurs expense in connection with the 
        appeal, including services provided by surveyors, engineers, 
        and scientific experts, the Administrator shall reimburse such 
        individual or community for reasonable expenses to an extent 
        measured by the ratio of the successful portion of the appeal 
        as compared to the entire appeal, but not including legal 
        services, in the effecting of an appeal based on a scientific 
        or technical error on the part of the Federal Emergency 
        Management Agency. No reimbursement shall be made by the 
        Administrator in respect to any fee or expense payment, the 
        payment of which was agreed to be contingent upon the result of 
        the appeal. The Administrator may use such amounts from the 
        National Flood Insurance Fund established under section 1310 as 
        may be necessary to carry out this paragraph.
            ``(6) Guidance.--The Administrator shall issue guidance to 
        implement this subsection, which shall not be subject to the 
        notice and comment requirements under section 553 of title 5, 
        United States Code.''.
    (b) Deadline.--The Administrator of the Federal Emergency 
Management Agency shall issue the guidance referred to section 
1360(k)(6) of the National Flood Insurance Act of 1968 (42 U.S.C. 
4101(k)(7)), as added by the amendment made by subsection (a) of this 
section, not later than the expiration of the 6-month period beginning 
on the date of the enactment of this Act.

SEC. 206. APPEALS AND PUBLICATION OF PROJECTED SPECIAL FLOOD HAZARD 
              AREAS.

    (a) Appeals.--Section 1363 of the National Flood Insurance Act of 
1968 (42 U.S.C. 4104) is amended--
            (1) in subsection (b), by striking the second sentence and 
        inserting the following: ``Any owner or lessee of real property 
        within the community who believes the owner's or lessee's 
        rights to be adversely affected by the Administrator's proposed 
        determination may appeal such determination to the local 
        government no later than 90 days after the date of the second 
        publication.'';
            (2) in subsection (d), by striking ``subsection (e)'' and 
        inserting ``subsection (f)'';
            (3) by redesignating subsections (e), (f), and (g) as 
        subsections (f), (g), and (h), respectively; and
            (4) by inserting after subsection (d) the following new 
        subsection:
    ``(e) Determination by Administrator in the Absence of Appeals.--If 
the Administrator has not received any appeals, upon expiration of the 
90-day appeal period established under subsection (b) of this section 
the Administrator's proposed determination shall become final. The 
community shall be given a reasonable time after the Administrator's 
final determination in which to adopt local land use and control 
measures consistent with the Administrator's determination.''.
    (b) Publication.--Subsection (a) of section 1363 of the National 
Flood Insurance Act of 1968 (42 U.S.C. 4104(a)) is amended by striking 
``in the Federal Register''.

SEC. 207. COMMUNICATION AND OUTREACH REGARDING MAP CHANGES.

    Paragraph (1) of section 100216(d) of the Biggert-Waters Flood 
Insurance Reform Act of 2012 (42 U.S.C. 4101b(d)(1)) is amended--
            (1) in subparagraph (B), by inserting ``maximum'' before 
        ``30-day period''; and
            (2) in subparagraph (C), by inserting ``maximum'' before 
        ``30-day period''.

SEC. 208. ADOPTION OF PARTIAL FLOOD MAPS.

    Subsection (f) of section 1360 of the National Flood Insurance Act 
of 1968 (42 U.S.C. 4101(f)) is amended by adding at the end the 
following new flush matter:
``Panels of the revised flood insurance rate maps for which no appeal 
has been submitted during the 90-day period referred to in subsection 
(b) shall be considered final.''.

SEC. 209. NEW ZONE FOR LEVEE-IMPACTED AREAS.

    Section 1360 of the National Flood Insurance Act of 1968 (42 U.S.C. 
4101), as amended by the preceding provisions of this Act, is further 
amended by adding at the end the following:
    ``(l) Levee-Impacted Areas.--
            ``(1) In general.--Subject to full implementation of 
        subparagraphs (A)(iii) and (B) of section 100216(b)(1) of the 
        Biggert-Waters Flood Insurance Reform Act of 2012 (42 U.S.C. 
        4101b(b)(1)) and notwithstanding any other provision of law, if 
        a community applies to the Administrator for the remapping of a 
        levee-impacted area in which the pertinent levee system fails 
        to meet the minimum design, operation, and maintenance 
        standards of the National Flood Insurance Program required for 
        levee accreditation on a flood insurance rate map in accordance 
        with the Levee Analysis Mapping Procedure initiated by the 
        Administrator to replace the `without levees' approach to a 
        Flood Insurance Study, the Administrator shall--
                    ``(A) establish flood risk zones for those levee-
                impacted areas on such maps, to be known as `AL-E 
                zones', that have an established elevation for 
                community floodplain management; and
                    ``(B) make flood insurance available to properties 
                located within those levee-impacted areas.
            ``(2) Transition.--During the period beginning on the date 
        of enactment of this subsection and ending on the date on which 
        the Administrator develops rates for the various AL-E zones, a 
        structure located in a portion of a community that is located 
        within a levee-impacted area described in paragraph (1) shall 
        be eligible for rates associated with areas of moderate flood 
        hazards.''.

SEC. 210. AGRICULTURAL STRUCTURES IN SPECIAL FLOOD HAZARD ZONES.

    (a) Requirements for State and Local Land Use Controls.--Subsection 
(a) of section 1315 of the National Flood Insurance Act of 1968 (42 
U.S.C. 4022(a)) is amended by adding at the end the following new 
paragraph:
            ``(3) Allowable local variances for certain agricultural 
        structures.--
                    ``(A) Requirement.--Notwithstanding any other 
                provision of this Act--
                            ``(i) the land use and control measures 
                        adopted pursuant to paragraph (1) may not, for 
                        purposes of such paragraph, be considered to be 
                        inadequate or inconsistent with the 
                        comprehensive criteria for land management and 
                        use under section 1361 because such measures 
                        provide that, in the case of any agricultural 
                        structure that is located in an area having 
                        special flood hazards, a variance from 
                        compliance with the requirements to elevate or 
                        floodproof such a structure and meeting the 
                        requirements of subparagraph (B) may be 
                        granted; and
                            ``(ii) the Administrator may not suspend a 
                        community from participation in the national 
                        flood insurance program, or place such a 
                        community on probation under such program, 
                        because such land use and control measures 
                        provide for such a variance.
                This subparagraph shall not limit the ability of the 
                Administrator to take enforcement action against a 
                community that does not adopt adequate variance 
                criteria or establish proper enforcement mechanisms.
                    ``(B) Variance; considerations.--The requirements 
                of this subparagraph with respect to a variance are as 
                follows:
                            ``(i) The variance is granted by an 
                        official from a duly constituted State or local 
                        zoning authority, or other authorized public 
                        body responsible for regulating land 
                        development or occupancy in flood-prone areas.
                            ``(ii) In the case of new construction, 
                        such official has determined--
                                    ``(I) that neither floodproofing 
                                nor elevation of the new structure to 
                                the base flood elevation is 
                                practicable; and
                                    ``(II) that the structure is not 
                                located in--
                                            ``(aa) a designated 
                                        regulatory floodway;
                                            ``(bb) an area riverward of 
                                        a levee or other flood control 
                                        structure; or
                                            ``(cc) an area subject to 
                                        high velocity wave action or 
                                        seaward of flood control 
                                        structures.
                            ``(iii) In the case of existing 
                        structures--
                                    ``(I) if such structure is 
                                substantially damaged or in need of 
                                substantial repairs or improvements, 
                                such official has determined that 
                                neither floodproofing nor elevation to 
                                the base flood elevation is 
                                practicable; and
                                    ``(II) if such structure is located 
                                within a designated regulatory 
                                floodway, such official has determined 
                                that the repair or improvement does not 
                                result in any increase in base flood 
                                levels during the base flood discharge.
                            ``(iv) Such official has determined that 
                        the variance will not result in increased flood 
                        heights, additional threats to public safety, 
                        extraordinary public expense, create nuisances, 
                        cause fraud on or victimization of the public, 
                        or conflict with existing local laws or 
                        ordinances.
                            ``(v) Not more than one claim payment 
                        exceeding $1,000 has been made for the 
                        structure under flood insurance coverage under 
                        this title within any period of 10 consecutive 
                        years at any time prior to the granting of the 
                        variance.
                    ``(C) Definitions.--For purposes of this paragraph, 
                the following definitions shall apply:
                            ``(i) Agricultural structure.--The term 
                        `agricultural structure' has the meaning given 
                        such term in paragraph (2)(D).
                            ``(ii) Floodproofing.--The term 
                        `floodproofing' means, with respect to a 
                        structure, any combination of structural and 
                        non-structural additions, changes, or 
                        adjustments to the structure, including 
                        attendant utilities and equipment, that reduce 
                        or eliminate potential flood damage to real 
                        estate or improved real property, water and 
                        sanitary facilities, structures, or their 
                        contents.''.
    (b) Premium Rates.--Section 1308 of the National Flood Insurance 
Act of 1968 (42 U.S.C. 4015) is amended by adding at the end the 
following new subsection:
    ``(n) Premium Rates for Certain Agricultural Structures With 
Variances.--Notwithstanding any other provision of this Act, the 
chargeable premium rate for coverage under this title for any structure 
provided a variance pursuant to section 1315(a)(3) shall be the same as 
the rate that otherwise would apply to such structure if the structure 
had been dry floodproofed or a comparable actuarial rate based upon the 
risk associated with structures within the applicable AL-E zone 
established under section 1360(l).''.

SEC. 211. TECHNICAL MAPPING ADVISORY COUNCIL.

    Paragraph (1) of section 100215(b) of the Biggert-Waters Flood 
Insurance Reform Act of 2012 (42 U.S.C. 4101a(b)(1)) is amended--
            (1) by redesignating subparagraphs (A) through (E) as 
        subparagraphs (B) through (F), respectively;
            (2) by inserting before subparagraph (B), as so 
        redesignated by subparagraph (A) of this paragraph, the 
        following new subparagraph:
                    ``(A) the Director of the United States Geological 
                Survey;''; and
            (3) in subparagraph (F), as so redesignated by paragraph 
        (1) of this section--
                    (A) in the matter preceding clause (i), by striking 
                ``16'' and inserting ``17'';
                    (B) in clause (xiii), by striking ``and'' at the 
                end;
                    (C) in clause (xiv), by striking the period at the 
                end and inserting ``; and''; and
                    (D) by adding at the end the following new clause:
                            ``(xv) a member of a recognized 
                        professional real estate brokerage 
                        association.''.

                         TITLE III--MITIGATION

SEC. 301. INCREASED COST OF COMPLIANCE COVERAGE.

    Section 1304(b) of the National Flood Insurance Act of 1968 (42 
U.S.C. 4011(b)) is amended--
            (1) in paragraph (4), by redesignating subparagraphs (A) 
        through (D) as clauses (i) through (iv), respectively;
            (2) by redesignating paragraphs (1) through (3) as 
        subparagraphs (A) through (C), respectively (and by adjusting 
        the margins accordingly);
            (3) in subparagraph (C) as so redesignated, by striking the 
        period at the end and inserting a semicolon;
            (4) by redesignating paragraph (4) as subparagraph (E) (and 
        by adjusting the margin accordingly);
            (5) by inserting after subparagraph (C), as so 
        redesignated, the following:
                    ``(D) properties identified by the Administrator as 
                priorities for mitigation activities before the 
                occurrence of damage to or loss of property which is 
                covered by flood insurance; and'';
            (6) by inserting before ``The national flood insurance 
        program'' the following:;
            ``(1) In general.--''.
            (7) by striking ``The Administrator'' and inserting the 
        following:
            ``(2) Premium.--The Administrator''; and
            (8) by adding at the end the following new paragraphs:
            ``(3) Amount of coverage.--Each policy for flood insurance 
        coverage made available under this title shall provide coverage 
        under this subsection having an aggregate liability for any 
        single property of $60,000.
            ``(4) Eligible mitigation activities.--
                    ``(A) In general.--Eligible mitigation methods the 
                cost of which is covered by coverage provided under 
                this subsection shall include--
                            ``(i) alternative methods of mitigation 
                        identified in the guidelines issued pursuant to 
                        section 1361(d);
                            ``(ii) pre-disaster mitigation projects for 
                        eligible structures (as such term is defined in 
                        subparagraph (C)); and
                            ``(iii) costs associated with the purchase, 
                        clearing, and stabilization of property that is 
                        part of an acquisition or relocation program 
                        that complies with subparagraph (B).
                    ``(B) Acquisition and relocation project 
                eligibility and requirements.--
                            ``(i) In general.--An acquisition or 
                        relocation project shall be eligible to receive 
                        assistance pursuant to subparagraph (A)(iii) 
                        only if--
                                    ``(I) any property acquired, 
                                accepted, or from which a structure 
                                will be removed shall be dedicated and 
                                maintained in perpetuity for a use that 
                                is compatible with open space, 
                                recreational, or wetlands management 
                                practices; and
                                    ``(II) any new structure erected on 
                                such property will be--
                                            ``(aa) a public facility 
                                        that is open on all sides and 
                                        functionally related to a 
                                        designated open space;
                                            ``(bb) a restroom; or
                                            ``(cc) a structure that the 
                                        Administrator approves in 
                                        writing before the commencement 
                                        of the construction of the 
                                        structure.
                            ``(ii) Further assistance.--If an 
                        acquisition or relocation project is assisted 
                        pursuant to subparagraph (A)(iii)--
                                    ``(I) no person may apply to a 
                                Federal entity for disaster assistance 
                                with regard to any property acquired, 
                                accepted, or from which a structure was 
                                removed as part of such acquisition or 
                                relocation project; and
                                    ``(II) no Federal entity may 
                                provide disaster assistance for such 
                                property.
                            ``(iii) Requirement to maintain flood 
                        insurance coverage.--
                                    ``(I) In general.--Notwithstanding 
                                any other provision of law, any 
                                assisted structure (as such term is 
                                defined in subclause (III)) shall, at 
                                all times, maintain insurance against 
                                flood damage, in accordance with 
                                Federal law, for the life of such 
                                structure.
                                    ``(II) Transfer of property.--
                                            ``(aa) Duty to notify.--If 
                                        any part of a property on which 
                                        an assisted structure is 
                                        located is transferred, the 
                                        transferor shall, not later 
                                        than the date on which such 
                                        transfer occurs, notify the 
                                        transferee in writing, 
                                        including in all documents 
                                        evidencing the transfer of 
                                        ownership of the property of 
                                        the requirements, that such 
                                        transferee is required to--

                                                    ``(AA) obtain flood 
                                                insurance in accordance 
                                                with applicable Federal 
                                                law with respect to 
                                                such assisted 
                                                structure, if such 
                                                structure is not so 
                                                insured on the date on 
                                                which the structure is 
                                                transferred; and

                                                    ``(BB) maintain 
                                                flood insurance in 
                                                accordance with 
                                                applicable Federal law 
                                                with respect to such 
                                                structure.

                                            ``(bb) Failure to notify.--
                                        If a transferor fails to make a 
                                        notification in accordance with 
                                        item (aa) and such assisted 
                                        structure is damaged by a flood 
                                        disaster, the transferor shall 
                                        pay the Federal Government an 
                                        amount equal to the amount of 
                                        any disaster relief provided by 
                                        the Federal government with 
                                        respect to such assisted 
                                        structure.
                                    ``(III) Assisted structure 
                                defined.--For the purposes of this 
                                clause, the term `assisted structure' 
                                means a structure on property that is 
                                part of an acquisition or relocation 
                                project assisted pursuant to 
                                subparagraph (A) that was, as part of 
                                such acquisition or relocation 
                                project--
                                            ``(aa) altered;
                                            ``(bb) improved;
                                            ``(cc) replaced;
                                            ``(dd) repaired; or
                                            ``(ee) restored.
                    ``(C) Eligible structure defined.--For purposes of 
                this paragraph, the term `eligible structure' means any 
                structure that--
                            ``(i) was constructed in compliance with 
                        the Flood Insurance Rate Map and local building 
                        and zoning codes in effect at the date of 
                        construction of the structure; and
                            ``(ii) has not previously been altered, 
                        improved, replaced, or repaired using 
                        assistance provided under this subsection.
            ``(5) Treatment of coverage limits.--Any amount of coverage 
        for a property provided pursuant to this subsection shall not 
        be considered or counted for purposes of any limitation on 
        coverage applicable to such property under section 1306(b) (42 
        U.S.C. 4013(b)) and any claim on such coverage shall not be 
        considered a claim for purposes of section 1307(h) or 
        subsection (a)(3) or (h)(3) of section 1366.
            ``(6) Implementation.--Notwithstanding any other provision 
        of law, the Administrator may implement this subsection by 
        adopting one or more standard endorsements to the Standard 
        Flood Insurance Policy by publication of such standards in the 
        Federal Register, or by comparable means.''.

SEC. 302. MULTIPLE-LOSS PROPERTIES.

    (a) Financial Assistance.--Section 1361 of the National Flood 
Insurance Act of 1968 (42 U.S.C. 4102) is amended by adding at the end 
the following new subsection:
    ``(e) Multiple-loss Properties.--In making determinations regarding 
financial assistance under the authorities of this Act, the 
Administrator may consider the extent to which a community is working 
to remedy problems with addressing multiple-loss properties.''.
    (b) Definitions.--Subsection (a) of section 1370 of the National 
Flood Insurance Act of 1968 (42 U.S.C. 4121) is amended--
            (1) by redesignating paragraphs (8) through (15) as 
        paragraphs (11) through (18), respectively; and
            (2) by striking paragraph (7) and inserting the following 
        new paragraphs:
            ``(7) Multiple-loss property.--The term `multiple-loss 
        property' means any property that is a repetitive-loss 
        property, a severe repetitive-loss property, or an extreme 
        repetitive-loss property.
            ``(8) Repetitive-loss property.--The term `repetitive-loss 
        property' means a structure that has incurred flood-related 
        damage for which 2 or more separate claims payments of any 
        amount in excess of the loss-deductible for damage to the 
        covered structure have been made under flood insurance coverage 
        under this title.
            ``(9) Severe repetitive-loss property.--The term `severe 
        repetitive-loss property' means a structure that has incurred 
        flood-related damage for which--
                    ``(A) 4 or more separate claims payments have been 
                made under flood insurance coverage under this title, 
                with the amount of each such claim exceeding $5,000, 
                and with the cumulative amount of such claims payments 
                exceeding $20,000; or
                    ``(B) at least 2 separate claims payments have been 
                made under flood insurance coverage under this title, 
                with the cumulative amount of such claims payments 
                exceeding the value of the structure.
            ``(10) Extreme repetitive-loss property.--The term `extreme 
        repetitive-loss property' means a structure that has incurred 
        flood-related damage for which at least 2 separate claims have 
        been made under flood insurance coverage under this title, with 
        the cumulative amount of such claims payments exceeding 150 
        percent of the maximum coverage amount available for the 
        structure.''.
    (c) Conforming Amendments.--The National Flood Insurance Act of 
1968 is amended--
            (1) in section 1304(b)(1)(A) (42 U.S.C. 4011(b)(1)(A)), as 
        amended by section 301 of this Act, by striking ``repetitive 
        loss structures'' and inserting ``repetitive-loss properties'';
            (2) in section 1307 (42 U.S.C. 4014)--
                    (A) in subsection (a)(2)(B), by striking 
                ``repetitive loss property'' and inserting 
                ``repetitive-loss property'';
                    (B) in subsection (g)(2)(B), by striking clauses 
                (i) and (ii) and inserting the following:
                            ``(i) an extreme repetitive-loss property; 
                        or
                            ``(ii) a severe repetitive-loss 
                        property.'';
                    (C) by striking subsection (h); and
                    (D) by redesignating subsection (i), as added by 
                the preceding provisions of this Act, as subsection 
                (h);
            (3) in section 1315(a)(2)(A)(i) (42 U.S.C. 
        4022(a)(2)(A)(i)), by striking ``repetitive loss structure'' 
        and inserting ``repetitive-loss property''; and
            (4) in section 1366 (42 U.S.C. 4104c)--
                    (A) in subsection (a)(2), by striking ``repetitive 
                loss structures'' and inserting ``repetitive-loss 
                properties'';
                    (B) in subsection (c)(2)(A)(ii), by striking 
                ``repetitive loss structures'' and inserting 
                ``multiple-loss properties'';
                    (C) in subsection (d)--
                            (i) in paragraph (1)--
                                    (I) in the paragraph heading, by 
                                striking ``repetitive loss structures'' 
                                and inserting ``repetitive-loss and 
                                extreme repetitive loss properties''; 
                                and
                                    (II) in the matter preceding 
                                subparagraph (A), by striking 
                                ``repetitive loss structures'' and 
                                inserting ``repetitive-loss properties 
                                or extreme repetitive-loss 
                                properties''; and
                            (ii) in paragraph (2)--
                                    (I) in the paragraph heading, by 
                                striking ``Repetitive loss structures'' 
                                and inserting ``Repetitive-loss 
                                properties''; and
                                    (II) by striking ``repetitive loss 
                                structures'' and inserting 
                                ``repetitive-loss properties''; and
                    (D) in subsection (h), by striking paragraphs (2) 
                and (3).

SEC. 303. PREMIUM RATES FOR CERTAIN MITIGATED PROPERTIES.

    (a) Mitigation Strategies.--Paragraph (1) of section 1361(d) of the 
National Flood Insurance Act of 1968 (42 U.S.C. 4102(d)(1)) is 
amended--
            (1) in subparagraph (A), by striking ``and'' at the end;
            (2) in subparagraph (B), by striking ``and'' at the end; 
        and
            (3) by inserting after subparagraph (B) the following new 
        subparagraphs:
                    ``(C) with respect to buildings in dense urban 
                environments, methods that can be deployed on a block 
                or neighborhood scale; and
                    ``(D) elevation of mechanical or other critical 
                systems; and''.
    (b) Mitigation Credit.--Subsection (k) of section 1308 of the 
National Flood Insurance Act of 1968 (42 U.S.C. 4015(k)) is amended--
            (1) by striking ``shall take into account'' and inserting 
        the following: ``shall--
            ``(1) take into account'';
            (2) in paragraph (1), as so designated by the amendment 
        made by paragraph (1) of this subsection, by striking the 
        period at the end and inserting ``; and''; and
            (3) by adding at the end the following new paragraph:
            ``(2) offer a reduction of the risk premium rate charged to 
        a policyholder, as determined by the Administrator, if the 
        policyholder implements any mitigation method described in 
        paragraph (1).''.

SEC. 304. COVERAGE FOR COOPERATIVES.

    (a) Equal Treatment With Condominiums.--Section 1306 of the 
National Flood Insurance Act of 1968 (42 U.S.C. 4013), as amended by 
the preceding provisions of this Act is further amended by adding at 
the end the following:
    ``(f) Cooperative Buildings.--Notwithstanding any other provision 
of law, the Administrator shall make flood insurance coverage available 
to any individual with a membership interest and occupancy agreement in 
a cooperative housing project on the same terms as any owner of a 
condominium.''.
    (b) Payment of Claims.--Section 1312 of the National Flood 
Insurance Act of 1968 (42 U.S.C. 4019) is amended--
            (1) in subsection (c)--
                    (A) by striking ``flood insurance to condominium 
                owners'' and inserting the following: ``flood 
                insurance--
            ``(1) to condominium owners''; and
                    (B) by striking the period at the end and inserting 
                ``; or''; and
                    (C) by adding at the end the following:
            ``(2) to individuals with a membership interest and 
        occupancy agreement in a cooperative housing project who 
        purchased such flood insurance separate and apart from the 
        flood insurance purchased by the cooperative association in 
        which such individual is a member, based solely, or in any 
        part, on the flood insurance coverage of the cooperative 
        association or others on the overall property owned by the 
        cooperative association.''; and
            (2) by adding at the end the following:
    ``(d) Definitions.--For purposes of this section and section 
1306(e), the terms `cooperative association' and `cooperative housing 
project' shall have such meaning as the Secretary shall provide.''.

SEC. 305. VOLUNTARY COMMUNITY-BASED FLOOD INSURANCE PILOT PROGRAM.

    (a) Establishment.--The Administrator of the Federal Emergency 
Management Agency (in this section referred to as the 
``Administrator'') shall carry out a community-based flood insurance 
pilot program to make available, for purchase by participating 
communities, a single, community-wide flood insurance policy under the 
National Flood Insurance Program that--
            (1) covers all residential and non-residential properties 
        within the community; and
            (2) satisfies, for all such properties within the 
        community, the mandatory purchase requirements under section 
        102 of the Flood Disaster Protection Act of 1973 (42 U.S.C. 
        4012a).
    (b) Participation.--Participation by a community in the pilot 
program under this section shall be at the sole discretion of the 
community.
    (c) Requirements For Community-Wide Policies.--The Administrator 
shall ensure that a community-wide flood insurance policy made 
available under the pilot program under this section incorporates the 
following requirements:
            (1) A mapping requirement for properties covered by the 
        policy.
            (2) A deductible.
            (3) Certification or accreditation of mitigation 
        infrastructure when available and appropriate.
            (4) A community audit.
            (5) A method of preventing redundant claims payments by the 
        National Flood Insurance Program in the case of a claim by an 
        individual property owner who is covered by a community-wide 
        flood insurance policy and an individual policy obtained 
        through the Program.
            (6) Coverage for damage arising from flooding that complies 
        with the standards under the National Flood Insurance Program 
        appropriate to the nature and type of property covered.
    (d) Timing.--The Administrator shall establish the demonstration 
program under this section not later than the expiration of the 180-day 
period beginning on the date of the enactment of this Act and the 
program shall terminate on September 30, 2022.
    (e) Definition of Community.--For purposes of this section, the 
term ``community'' means any unit of local government, within the 
meaning given such term under the laws of the applicable State.

SEC. 306. MITIGATION FUNDING.

    For each of the first 5 fiscal years beginning after following the 
date of the enactment of this Act, there is authorized to be 
appropriated $200,000,000 to carry out the flood mitigation assistance 
grant program under section 1366 of the National Flood Insurance Act of 
1968 (42 U.S.C. 4104c).

SEC. 307. COMMUNITY RATING SYSTEM IMPROVEMENTS.

    (a) Provision of Community Rating System Premium Credits to Maximum 
Number of Communities Practicable.--Subsection (b) of section 1315 of 
the National Flood Insurance Act of 1968 (42 U.S.C. 4022(b)) is 
amended--
            (1) in paragraph (2), by striking ``may'' and inserting 
        ``shall''; and
            (2) in paragraph (3), by inserting ``, and the 
        Administrator shall provide credits to the maximum number of 
        communities practicable'' after ``under this program''.
    (b) Grants for Community Rating System Program Coordinators.--
Section 1315 of the National Flood Insurance Act of 1968 (42 U.S.C. 
4022) is amended by adding at the end the following new subsection:
    ``(c) Grants for Community Rating System Program Coordinators.--
            ``(1) Authority.--The Administrator shall carry out a 
        program to make grants to consortia of States and communities 
        for use only for costs of employing or otherwise retaining an 
        individual or individuals to coordinate and carry out 
        responsibilities relating to participation in the community 
        rating system program under subsection (b) for States and 
        communities that are members of such consortia.
            ``(2) Eligibility.--The Administrator shall establish such 
        criteria as the Administrator considers appropriate for a 
        consortium of States and communities to be eligible for grants 
        under this subsection, which shall include requiring a 
        consortium to provide evidence to the Administrator that the 
        consortium has sufficient authority and administrative 
        capability to use grant amounts in accordance with this 
        subsection on behalf of its member jurisdictions.
            ``(3) Timing.--A consortium receiving a grant under this 
        section shall establish the position or positions described in 
        paragraph (1), and employ or otherwise retain an individual or 
        individuals to fill such position or positions, not later than 
        the date that all such grant amounts are expended.
            ``(4) Applications.--The Administrator shall provide for 
        consortia of States and communities to submit applications for 
        grants under this subsection, which shall include--
                    ``(A) the evidence referred to in paragraph (2);
                    ``(B) such assurances as the Administrator shall 
                require to ensure compliance with the requirement under 
                paragraph (3);
                    ``(C) such assurances as the Administrator shall 
                require to ensure that the consortia will provide 
                funding sufficient to continue the position or 
                positions funded with the grant amounts, in the same 
                annual amount as under such grant funding, after such 
                grant funds are expended; and
                    ``(D) such other information as the Administrator 
                may require.
            ``(5) Selection.--From among eligible consortia of States 
        and communities submitting applications pursuant to paragraph 
        (3), the Administrator shall select consortia to receive grants 
        under this subsection in accordance with such competitive 
        criteria for such section as the Administrator shall establish.
            ``(6) Definition of community.--For purposes of this 
        section, the term `community' has the meaning given such term 
        in section 1366(h) (42 U.S.C. 4104c(h)), except that such term 
        includes counties and regional planning authorities that do not 
        have zoning and building code jurisdiction.
            ``(7) Authorization of appropriations.--There is authorized 
        to be appropriated for grants under this subsection--
                    ``(A) $7,000,000 for the first fiscal year 
                commencing after the expiration of the 4-month period 
                beginning on the date of the enactment of this Act; and
                    ``(B) $7,000,000 for each of the four consecutive 
                fiscal years thereafter.''.

SEC. 308. COMMUNITY ASSISTANCE PROGRAM FOR EFFECTIVE FLOODPLAIN 
              MANAGEMENT.

    (a) In General.--Chapter I of the National Flood Insurance Act of 
1968 (42 U.S.C. 4011 et seq.), as amended by the preceding provisions 
of this Act, is further amended by adding at the end the following:

``SEC. 1327. COMMUNITY ASSISTANCE PROGRAM FOR EFFECTIVE FLOODPLAIN 
              MANAGEMENT.

    ``(a) In General.--The Administrator shall establish a community 
assistance program under this section to increase the capacity and 
capability of States, Indian tribes, and communities to effectively 
manage flood risk and participate in the national flood insurance 
program, including the community rating system program under section 
1315(b), by providing financial and technical assistance to States, 
tribes and communities.
    ``(b) Components.--The community assistance program under this 
program shall include--
            ``(1) making community assistance grants under subsection 
        (c) to States;
            ``(2) conducting periodic assessments, not less often than 
        once every 5 years, of the technical assistance and training 
        needs of States, Indian tribes, and communities;
            ``(3) providing technical assistance and training to 
        States, Indian tribes, and communities in accordance with the 
        needs identified by such assessments;
            ``(4) conducting periodic reviews of State, Indian tribe, 
        and community floodplain management standards by the 
        Administrator to promote continuous improvement in building and 
        maintaining effective State floodplain management programs (as 
        such term is defined in subsection (d));
            ``(5) conducting periodic estimates of the losses avoided 
        nationally due to the adoption of qualifying floodplain 
        management standards by States, Indian tribes and communities;
            ``(6) in coordination with each State receiving a grant 
        under subsection (c), developing and executing a strategy to--
                    ``(A) provide technical and financial assistance to 
                communities, including small and rural communities, and 
                Indian tribes within the State; and
                    ``(B) encourage greater participation in the 
                community rating system program; and
            ``(7) establishing goals for States participating in the 
        program and incentives for exceeding such goals.
    ``(c) Community Assistance Grants to States.--
            ``(1) In general.--Under the program under this section the 
        Administrator may award grants to States, which shall be used 
        only--
                    ``(A) to increase the capacity and capability of 
                the State and communities and Indian tribes in the 
                State to effectively manage flood risk and to fully 
                participate in the national flood insurance program, 
                including the community rating system program; and
                    ``(B) for activities related to implementation, 
                administration, oversight, and enforcement of the 
                national flood insurance program at the State and local 
                and tribal levels.
            ``(2) Guidelines.--The Administrator shall establish 
        guidelines governing the use of grant funds under this 
        subsection, including setting forth activities eligible to be 
        funded with such amounts.
            ``(3) Eligibility.--To be eligible to receive a grant under 
        this subsection, a State shall--
                    ``(A) demonstrate, to the satisfaction of the 
                Administrator, that the State has in effect qualifying 
                State floodplain management standards for the State;
                    ``(B) agree to submit such reports, certifications, 
                and information to the Administrator as the 
                Administrator shall require, including those required 
                under paragraph (5); and
                    ``(C) meet any additional eligibility requirements 
                as the Administrator may require.
            ``(4) Application; selection criteria.--The Administrator 
        shall provide for States to submit applications for grants 
        under this subsection, which shall include such information, 
        assurances, and certifications as the Administrator may 
        require, and may establish criteria for selection of qualifying 
        applications to be selected for grants under this subsection.
            ``(5) Ongoing review of floodplain management standards.--
        Each State that is awarded funds under this section shall 
        provide periodic reports, certifications, and information 
        regarding the floodplain management standards of such State as 
        the Administrator may require for the duration of the use of 
        grant amounts.
    ``(d) Definitions.--For purposes of this section:
            ``(1) Indian tribe.--The term `Indian tribe' has the 
        meaning given such term in section 4 of the Native American 
        Housing Assistance and Self-Determination Act of 1996 (25 
        U.S.C. 4103).
            ``(2) Qualifying state floodplain management standards.--
        The term `qualifying State floodplain management standards' 
        means the floodplain management standards of a State that--
                    ``(A) are specifically authorized under State law 
                and do not conflict with or inhibit the implementation 
                of the National Flood Insurance Act of 1968;
                    ``(B) designate an entity responsible for 
                coordinating the national flood insurance program in 
                the State;
                    ``(C) identify State resources and programs to 
                manage floodplains and reduce flood risk;
                    ``(D) address on a long-term basis--
                            ``(i) integration of floodplain management 
                        activities with other State functions and 
                        activities;
                            ``(ii) identification of flood hazards;
                            ``(iii) management of natural floodplain 
                        functions and resources;
                            ``(iv) elimination of adverse impacts of 
                        development on the floodplain;
                            ``(v) flood mitigation and recovery 
                        strategies for the State;
                            ``(vi) strategies for informing communities 
                        and citizens about flood risk and mitigation 
                        options; and
                            ``(vii) measures for evaluating the 
                        effectiveness of State floodplain management 
                        efforts;
                    ``(E) include a long-term plan that will facilitate 
                the prioritization and provision of training and 
                technical assistance to communities and Indian tribes 
                in the State to increase local and tribal capacity and 
                capability for floodplain management, including the 
                capacity and capability to participate in the national 
                flood insurance program and the community rating system 
                program;
                    ``(F) provide for oversight, administration and 
                enforcement of the national flood insurance program at 
                the State and community levels; and
                    ``(G) meet such other requirements as the 
                Administrator may establish.
    ``(e) Funding.--
            ``(1) Authorization of appropriations.--There is authorized 
        to be appropriated $20,000,000 for each of fiscal years 2019 
        through 2024 for the National Flood Insurance Fund for carrying 
        out this section. Any amounts appropriated pursuant to this 
        subsection shall remain available until expended.
            ``(2) Set-asides.--From any amounts made available for 
        grants under this section, the Administrator may reserve such 
        amount as the Administrator considers appropriate--
                    ``(A) for community assistance grants under 
                subsection (c) to States; and
                    ``(B) for additional assistance only for States 
                exceeding the goals established pursuant to subsection 
                (b)(8).''.
    (b) Use of National Flood Insurance Fund Amounts.--Subsection (a) 
of section 1310 of the National Flood Insurance Act of 1968 (42 U.S.C. 
4017(a)) is amended--
            (1) in paragraph (7), by striking ``and'' at the end;
            (2) in paragraph (8), by striking the period at the end and 
        inserting ``; and''; and
            (3) by adding at the end the following:
            ``(9) for carrying out the community assistance program for 
        effective floodplain management under section 1327.''.

                        TITLE IV--MODERNIZATION

SEC. 401. EFFECT OF PRIVATE FLOOD INSURANCE COVERAGE ON CONTINUOUS 
              COVERAGE REQUIREMENTS.

    Section 1308 of the National Flood Insurance Act of 1968 (42 U.S.C. 
4015), as amended by the preceding provisions of this Act, is further 
amended by adding at the end the following:
    ``(o) Effect of Private Flood Insurance Coverage on Continuous 
Coverage Requirements.--For purposes of applying any statutory, 
regulatory, or administrative continuous coverage requirement, 
including under section 1307(g)(1), the Administrator shall consider 
any period during which a property was continuously covered by a flood 
insurance policy, either offered through the national flood insurance 
program or private market, that was used to satisfy the requirements 
under section 102(a) of the Flood Disaster Protection Act of 1973 (42 
U.S.C. 4012a(a)) to be a period of continuous coverage.''.

SEC. 402. OPTIONAL COVERAGE FOR UMBRELLA POLICIES.

    Subsection (b) of section 1306 of the National Flood Insurance Act 
of 1968 (42 U.S.C. 4013(b)), is amended--
            (1) in paragraph (4), by striking ``and'' at the end;
            (2) in paragraph (5), by striking the period at the end and 
        inserting ``; and''; and
            (3) by adding at the end the following new paragraph:
            ``(6) the Administrator may provide that, in the case of 
        any commercial property or other residential property, 
        including multifamily rental property and agricultural 
        property, one umbrella policy be made available to every 
        insured upon renewal and every applicant with multiple 
        structures on the same property, except that--
                    ``(A) purchase of such coverage shall be at the 
                option of the insured; and
                    ``(B) any such coverage shall be made available 
                only at chargeable rates that are not less than the 
                estimated premium rates for such coverage determined in 
                accordance with section 1307(a)(1).''.

SEC. 403. ANNUAL INDEPENDENT ACTUARIAL STUDY.

    Part C of chapter II of the National Flood Insurance Act of 1968 
(42 U.S.C. 4081 et seq.) is amended by adding at the end the following 
new section:

``SEC. 1349. ANNUAL INDEPENDENT ACTUARIAL STUDY.

    ``The Administrator shall provide for an independent actuarial 
study of the National Flood Insurance Program to be conducted annually, 
which shall analyze the financial position of the Program. The 
Administrator shall submit a report annually to the Congress describing 
the results of such study and assessing the financial status of the 
Program. The report shall recommend adjustments to underwriting 
standards, program participation, or premiums, if necessary, to ensure 
that the Program remains financially sound. The report shall also 
include an evaluation of the quality control procedures and accuracy of 
information utilized in the process of underwriting National Flood 
Insurance Program policies. Such evaluation shall include a review of 
the risk characteristics of policies.''.

SEC. 404. SHARING OF AND ACCESS TO INFORMATION.

    (a) In General.--Section 1313 of the National Flood Insurance Act 
of 1968 (42 U.S.C. 4020) is amended--
            (1) by inserting after the section enumerator the 
        following: ``(a) Availability to Public and State Agencies.--
        ''; and
            (2) by adding at the end the following new subsections:
    ``(b)  Exchange of NFIP and Private Flood Insurance Policy and 
Claims Information.--The Administrator may provide to each private 
insurer that sells coverage that meets, at a minimum, the definition of 
private flood insurance under section 102(b) of the Flood Disaster 
Protection Act of 1973 (42 U.S.C. 4012a(b)), current and historical 
property-specific information that is available to the Administration 
on flood insurance program coverage, flood damage assessments, and 
payment of claims, but only if the following conditions are met:
            ``(1) Each private insurer receiving such data shall 
        provide to the Administrator current and historical property-
        specific information, generated through the sale of the flood 
        insurance that meets such definition of private flood 
        insurance, by the private insurer on flood insurance coverage, 
        flood damage assessments, and payment of claims.
            ``(2) Such information obtained under paragraph shall be 
        made available as required by subsections (c) and (d).
    ``(c) Homeowner Access to NFIP and Private Policy and Claims 
Information.--Upon request by the current owner of a property, the 
Administrator shall provide to the owner any current and historical 
information available to the Administrator, including information 
obtained under subsection (b)(1), on insurance coverage, damage 
assessments, and payment of claims concerning such property of the 
owner. In addition, the Administrator shall provide information the 
Administrator may have on whether the property owner may be required to 
purchase flood insurance coverage due to previous receipt of federal 
disaster assistance, including assistance provided by the Small 
Business Administration, the Department of Housing and Urban 
Development, the Federal Emergency Management Agency, or any other type 
of assistance subject to the mandatory purchase requirement under 
section 102 of the Flood Disaster Protection Act of 1973.
    ``(d) Homebuyer Access to Flood Insurance Information.--
Notwithstanding section 552a(b) of title 5, United States Code, not 
later than 14 days after a request for such information by a buyer 
under contract for purchase of a property, the Administrator shall 
provide to the buyer the following information:
            ``(1) The number and dollar value of claims filed for the 
        property, over the life of the property, under a flood 
        insurance policy made available under this title.
            ``(2) Such other available information about the property 
        as determined by the Administrator to accurately and adequately 
        characterize the true flood risk to the property.
            ``(3) A notice to the recipient of the information that the 
        information provided may only be utilized by the recipient 
        alone and only for the purposes of homebuying.''.
    (b) Effective Date.--Subsection (d) of section 1313 of the National 
Flood Insurance Act of 1968, as added by the amendment made by 
subsection (a)(2) of this section, shall take effect beginning upon the 
expiration of the 12-month period that begins on the date of the 
enactment of this Act.

SEC. 405. ELEVATION CERTIFICATES.

    Chapter I of the National Flood Insurance Act of 1968 (42 U.S.C. 
4011 et seq.), as amended by the preceding provisions of this Act, is 
further amended by adding at the end the following:

``SEC. 1328. ELEVATION CERTIFICATES.

    ``Surveyed elevation data and other information relating to a 
building that is recorded on a National Flood Insurance Program 
Elevation Certificate by an individual licensed to record that 
information shall continue to be in effect, and the Elevation 
Certificate shall not expire, until the date on which there is an 
alteration in the building.''.

SEC. 406. LEVERAGING RISK TRANSFER OPPORTUNITIES FOR A SOUND FINANCIAL 
              FRAMEWORK.

    (a) In General.--Subsection (e) of section 1345 of the National 
Flood Insurance Act of 1968 (42 U.S.C. 4081(e)) is amended--
            (1) by striking ``(e) Risk Transfer.--The Administrator'' 
        and inserting the following:
    ``(e) Leveraging Risk Transfer Opportunities for a Sound Financial 
Framework.--
            ``(1) Authority.--The Administrator''; and
            (2) by adding at the end the following:
            ``(2) Leveraging risk transfer opportunities.--On an annual 
        basis, the Administrator shall evaluate ceding a portion of the 
        risk of the flood insurance program under this title to the 
        private reinsurance or capital markets, or any combination 
        thereof, if the Administrator determines--
                    ``(A) the rates and terms are reasonable and 
                appropriate; and
                    ``(B) doing so would further the development and 
                maintenance of a sound financial framework for the 
                National Flood Insurance Program.''.
    (b) Effective Date.--The amendments made by subsection (a) shall 
become effective upon the expiration of the 18-month period that begins 
upon the date of the enactment of this Act.

SEC. 407. WRITE-YOUR-OWN ARRANGEMENTS.

    Section 1345 of the National Flood Insurance Act of 1968 (42 U.S.C. 
4081) is amended by adding at the end the following new subsections:
    ``(f) Authority to Terminate Write Your Own Arrangements.--The 
Administrator may cancel any Write Your Own (as such term is defined in 
section 100202(a) of the Biggert-Waters Flood Insurance Reform Act of 
2012 (42 U.S.C. 4004)) arrangement in its entirety upon 30 days written 
notice to the Write Your Own company involved by certified mail stating 
one of the following reasons for such cancellation:
            ``(1) Fraud or misrepresentation by the company after the 
        inception of the arrangement.
            ``(2) Nonpayment to the Administrator of any amount due.
            ``(3) Material failure to comply with the requirements of 
        the arrangement or with the written standards, procedures, or 
        guidance issued by the Administrator relating to the National 
        Flood Insurance Program and applicable to the company.
    ``(g) Standardized Fee Authority.--The Administrator may establish 
and implement a standardized fee schedule for all engineering services 
provided in connection with flood insurance coverage provided under 
this title by means of a Write Your Own arrangement.''.

SEC. 408. STUDY ON INCREASING PARTICIPATION.

    (a) In General.--The Comptroller General of the United States shall 
conduct a study that proposes to address, through programmatic and 
regulatory changes, how to increase participation in flood insurance 
coverage.
    (b) Issues.--In conducting the study under subsection (a), the 
Comptroller General shall consider the following:
            (1) Expanding participation in flood insurance coverage, 
        beyond areas having special flood hazards, to areas of moderate 
        or minimal flood hazard risk.
            (2) Automatically enrolling consumers in flood insurance 
        while providing consumers the opportunity to decline 
        enrollment.
            (3) Bundling flood insurance coverage that diversifies risk 
        across all or multiple-peril forms.
    (c) Determinations.--In conducting the study under subsection (a), 
the Comptroller General shall determine the following:
            (1) The percentage of properties with federally backed 
        mortgages located in an area having special flood hazards that 
        are covered by flood insurance that satisfies the requirement 
        under section 102(b) of the Flood Disaster Protection Act of 
        1973 (42 U.S.C. 4012a(b)).
            (2) The percentage of properties with federally backed 
        mortgages located in the 500-year floodplain that are covered 
        by flood insurance that would satisfy the requirement described 
        in paragraph (1) if that requirement applied to such 
        properties.
    (d) Report.--Not later than 18 months after the date of enactment 
of this Act, the Comptroller General of the United States shall submit 
a report on the study conducted under subsection (a) to the Committee 
on Financial Services of the House of Representatives and the Committee 
on Banking, Housing, and Urban Affairs of the Senate.
    (e) Definitions.--For purposes of this section--
            (1) the term ``500-year floodplain'' has the meaning given 
        the term in section 100202(a) of the Biggert-Waters Flood 
        Insurance Reform Act of 2012 (40 U.S.C. 4004(a));
            (2) the terms ``Federal agency lender'', ``improved real 
        estate'', and ``regulated lending institution'' have the 
        meanings given such terms in section 3(a) of the Flood Disaster 
        Protection Act of 1973 (42 U.S.C. 4003(a)); and
            (3) the term ``property with a federally backed mortgage'' 
        means improved real estate or a mobile home securing a loan 
        that was--
                    (A) made by a regulated lending institution or 
                Federal agency lender; or
                    (B) purchased by the Federal National Mortgage 
                Association or the Federal Home Loan Mortgage 
                Corporation.
                                                 Union Calendar No. 210

116th CONGRESS

  1st Session

                               H. R. 3167

                      [Report No. 116-262, Part I]

_______________________________________________________________________

                                 A BILL

To reform and reauthorize the National Flood Insurance Program, and for 
                            other purposes.

_______________________________________________________________________

                            October 28, 2019

  Reported from the Committee on Financial Services with an amendment

                            October 28, 2019

Committee on Transportation and Infrastructure discharged; committed to 
the Committee of the Whole House on the State of the Union and ordered 
                             to be printed