/  H.R. 1309—Flood Insurance Reform Act of 2011

H.R. 1309 - Flood Insurance Reform Act of 2011

Bill Text

  • Text of H.R. 1309 PDF XML

    Flood Insurance Reform Act of 2011

  • Text of H. Rept. 112-102 PDF XML

    Report from the Committee on Financial Services

Rule Information

COMMITTEE ACTION:
REPORTED BY VOICE VOTE on Thursday, July 7, 2011.

FLOOR ACTION ON H.RES. 340: 
Adopted by record vote of 269-146 on Friday, July 8, 2011. 

MANAGERS: Sessions/McGovern

1. Structured rule.

2. Provides one hour of general debate equally divided and controlled by the chair and ranking minority member of the Committee on Financial Services.

3. Waives all points of order against consideration of the bill.

4. Provides that the amendment in the nature of a substitute recommended by the Committee on Financial Services shall be considered as an original bill for the purpose of amendment and shall be considered as read.

5. Waives all points of order against the committee amendment in the nature of a substitute.

6. Makes in order only those amendments printed in the Rules Committee report accompanying the resolution. Each such amendment may be offered only in the order printed in the report, may be offered only by a Member designated in the report, shall be considered as read, shall be debatable for the time specified in the report equally divided and controlled by the proponent and an opponent, shall not be subject to amendment, and shall not be subject to a demand for division of the question.

7. Waives all points of order against the amendments printed in the report.

8. Provides that the chair of the Committee on Financial Services or his designee may offer amendments en bloc consisting of amendments printed in the Rules Committee report not earlier disposed of, which shall be considered as read, shall be debatable for 10 minutes equally divided and controlled by the chair and ranking minority member of the Committee on Financial Services or their designee, shall not be subject to amendment, and shall not be subject to a demand for division of the question. The original proponent of an amendment included in such amendments may insert a statement in the Congressional Record immediately before the disposition of the amendments en bloc.

9. Provides one motion to recommit with or without instructions.

 

Amendments

#Version #Sponsor(s)PartySummaryStatus
22Version 1Bachus (AL)RepublicanWould give FEMA greater authority to manage the transfer of flood insurance policies to the government and control the overall size of the NFIP Direct program.Submitted
23Version 1Bachus (AL)RepublicanWould allow for a possible fourth and five year suspension of the mandatory purchase for certain communities that are making more than adequate progress in their construction of their flood protection systems.Made In Order
24Version 1Biggert (IL)RepublicanWould make technical corrections to the bill.Made In Order
25Version 1Brady, Kevin (TX)RepublicanWould requires the FEMA Administrator to provide to a property owner newly included in a revised or updated proposed flood map a copy of the proposed flood insurance map and information regarding the appeals process at the time the proposed map is issued.Made In Order
2Version 1Burton (IN), Stark (CA)BipartisanWould require written notification by first class mail to each property owner affected by a proposed change in flood elevations, prior to the 90-day appeal period. Notification would include an explanation of the appeals process and contact information for responsible officials.Made In Order
21Version 1Canseco (TX)RepublicanWould require the administrator of FEMA to report to Congress within 6 months of the bill becoming law a plan for how the agency can pay back within 10 years the roughly $18 billion it currently owes to Treasury.Made In Order
14Version 1Cardoza (CA)DemocratWould eliminate requirements to more broadly map areas considered to be residual risk.Made In Order
15Version 1Cardoza (CA)DemocratWould further clarify “areas of residual risk” to be areas that have a history of repetitive loss since December 31, 1974.Submitted
30Version 1Cuellar (TX)DemocratWould require the Administrator to communicate with communities located in areas where flood insurance rate maps have not been updated in 20 years or more and the appropriate State emergency agencies to resolve outstanding issues, provide technical assistance, and disseminate all necessary information to reduce the prevalence of outdated maps in flood-prone areas.Made In Order
3Version 1Flake, Jeff (AZ)RepublicanWould strike additional coverage provided in H.R. 1309 for business interruption and cost of living expenses. Made In Order
16Version 1Loebsack (IA)DemocratWould require FEMA to notify a prominent local television and radio station of projected and proposed changes to flood maps and to grant an additional 90 days for property owners or a community to appeal proposed flood maps, beyond the original 90 day appeal period, so long as community leaders certify they believe there are property owners unaware of the proposed flood maps and appeal period, and community leaders would use the additional 90 day appeal period to educate property owners on the proposed maps and appeal process.Made In Order
12Version 1Luetkemeyer (MO)RepublicanWould provide coverage to those policy holders who were either: 1). Forced to buy a mandatory policy between the time that FEMA made a FIP determination and the time they announced it; or 2.) Voluntarily purchased a policy but are not eligible NFIP coverage because the end of their 30 day waiting period falls in that period of time between a FEMA determination of an FIP and FEMA’s announcement of that determination.Submitted
13Version 1Luetkemeyer (MO)RepublicanWould require FEMA to study their processes and procedures for making an FIP determination and report their findings to Congress within six months from the date of enactment of the underlying bill.Made In Order
26Version 1Matsui (CA)DemocratWould modify language in the bill so that newly mapped properties are phased-in to full actuarial, flood insurance rates at a consistent rate of 20% per year over 5 years and requires that newly mapped properties pay 100% of actuarial rates at the end of the 5 year phase in.Made In Order
29Version 1McGovern (MA)DemocratWould allow communities to be reimbursed for certain costs associated with a successful challenge to a bona fide mapping error made by FEMA resulting in a Letter of Map Revision.Made In Order
5Version 1Miller, Candice (MI)RepublicanWould terminate current spending on TV and Radio commercials being aired to promote the NFIP in all 50 states and directs remaining funds to pay down NFIP’s debt. Would continue FEMA’s mailing programs that are used to notify current policy holders of changes to their policies and maps as well as other educational publications they produce.Made In Order
6Version 1Miller, Candice (MI)RepublicanWould require lenders to accept flood insurance on the outstanding principal balance of loan as a first option to homeowners in the case that the homeowner will want to opt-out of NFIP upon termination of the loan versus requiring homeowners to purchase insurance on the full replacement cost value of their home.Submitted
7Version 3Miller, Candice (MI)RepublicanWould terminate the National Flood Insurance Program by December 2013 and allow states to form regional insurance compacts to spread risk. Continues to allow the Federal Emergency Management Agency to assist in their efforts in producing high quality flood maps, as well as assist states and the private sector to insure against flood loss.Made In Order
27Version 1Palazzo (MS)RepublicanWould ensure that there is adequate representation from Gulf Coast States on the Technical Mapping Advisory Panel.Made In Order
28Version 2Palazzo (MS)RepublicanWould afford policy holders the right to request engineering reports and other documents relied on by the Administrator and/or participating companies in determining whether the damage was caused by flood or any other peril.Made In Order
11Version 1Ros-Lehtinen (FL), Rivera (FL), Wilson (FL), Hinojosa (TX), Holt (NJ)BipartisanWould strike the part of Section 5 “Reforms of Premium Rates” that would increase annual limit on premium rates increases from 10% to 20%. This will prevent a 100% increase in possible premium hikes.Made In Order
18Version 1Scott, Bobby (VA)DemocratWould direct the GAO to conduct a study of the means and effects of facilitating a market for all-peril insurance policies for residential properties.Made In Order
17Version 2Sherman (CA), Bachus (AL), Meeks, Gregory (NY)BipartisanWould require FEMA to reduce the number of flood insurance policies that are directly managed by the Agency to not more than 10% of the total number of flood insurance policies in force.Made In Order
8Version 1Speier (CA)DemocratWould make it a violation for a lender, whose only interest in the property is the amount of the outstanding mortgage indebtedness, to require a homeowner to purchase more than the legally required amount of flood insurance—an amount equal to the outstanding principal balance of the loan.Made In Order
10Version 1Terry (NE), Berg (ND)RepublicanWould protect insureds during a ‘flood in progress’, if the insured has purchased flood insurance and has not sustained damage or loss within the 30 day window. Made In Order
19Version 1Walberg (MI)RepublicanWould place a moratorium on the issuance of any updated rate maps from the date of enactment until the Technical Mapping Advisory Council submits to the FEMA Administrator and Congress the proposed new mapping standards. It would allow for the revision, update and change of rate maps only pursuant to a letter of map change, which includes a letter of map amendment, letter of map revision, and letter of map revision based on fill.Made In Order
20Version 1Walberg (MI)RepublicanWould place a moratorium on the issuance of any updated rate maps from the date of enactment until the Technical Mapping Advisory Council submits to the FEMA Administrator and Congress the proposed new mapping standards.Submitted
9Version 1Walz (MN)DemocratWould allow state and local governments to use the Army Corps of Engineers to evaluate locally-operated levee systems which were either built or designed by the Corps, and which are being reaccredited as part of a National Flood Insurance Program remapping. All costs associated with evaluations would continue to be covered by the state or local government requesting the evaluation.Made In Order
4Version 1Waters (CA)DemocratWould streamline and reauthorize the Flood Mitigation Assistance Program, the Repetitive Flood Claims Program and the Severe Repetitive Loss Program in order to improve their effectiveness and efficiency.Made In Order
1Version 2Westmoreland (GA)RepublicanWould add a reserve fund requirement to the National Flood Insurance Program. Made In Order