/  H.R. 2874—21st Century Flood Reform Act

H.R. 2874 - 21st Century Flood Reform Act

Bill Text

  • Text of H.R. 2874 PDF XML

    21st Century Flood Reform Act (as reported) 

  • H. Rept. 115-304 PDF

    Report from the Committee on Financial Services 

  • Amendment in the Nature of a Substitute offered by the Hon. Sean Duffy (WI) PDF

    Reauthorizes the National Flood Insurance Program (NFIP) for five years. Institutes several programmatic reforms and changes to strength the solvency of the NFIP, provide new benefits to policyholders, and provide new options for lower-cost flood insurance coverage. The substitute combines the amended text of H.R. 2874 with the versions of the following other Financial Services-reported NFIP bills: H.R. 1422, H.R. 1558, H.R. 2246, H.R. 2565, H.R. 2868, and H.R. 2875.

Rule Information

COMMITTEE ACTION:
REPORTED BY RECORD VOTE of 8-2 on Monday, November 13, 2017.

FLOOR ACTION ON H. RES. 616: 
Agreed to by record vote of 233-187, after agreeing to the previous questions by record vote of 234-189 on Tuesday, November 14, 2017.

MANAGERS: Byrne/Slaughter

1. Closed rule for H.R. 2874.

2. Provides one hour of 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 printed in part A of the Rules Committee report, modified by the amendment printed in part B of the Rules Committee report, shall be considered as adopted and the bill, as amended, shall be considered as read.

5. Waives all points of order against provisions in the bill, as amended.

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

7. Section 2 provides for the consideration of the Conference Report to accompany H.R. 2810.

8. Waives all points of order against the conference report and against its consideration.

9. Provides that the conference report shall be considered as read.

10. Provides that the previous question shall be considered as ordered without intervention of any motion except one hour of debate and one motion to recommit if applicable.

11. Debate on the conference report is divided pursuant to clause 8(d) of rule XXII.

12. Section 3 provides that the Clerk shall not transmit to the Senate a message that the House has adopted the conference report to accompany H.R. 2810 until notified by the Speaker

Amendments (click headers to sort)

#Version #Sponsor(s)PartySummaryStatus
8Version 1Donovan (NY)RepublicanFreezes flood insurance premiums in areas where flood maps are currently being redrawn.Submitted
1Version 1Duffy (WI), Hensarling (TX), Barr (KY), Budd (NC), Davidson (OH), Hill (AR), Huizenga (MI), Kustoff (TN), Loudermilk (GA), Love (UT), MacArthur (NJ), McHenry (NC), Mooney (WV), Poliquin (ME), Ross (FL), Rothfus (PA), Royce (CA), Stivers (OH), Trott (MI), Williams (TX), Zeldin (NY)RepublicanSUBSTITUTE Reauthorizes the National Flood Insurance Program (NFIP) for five years. Institutes several programmatic reforms and changes to strength the solvency of the NFIP, provide new benefits to policyholders, and provide new options for lower-cost flood insurance coverage. The substitute combines the amended text of H.R. 2874 with the versions of the following other Financial Services-reported NFIP bills: H.R. 1422, H.R. 1558, H.R. 2246, H.R. 2565, H.R. 2868, and H.R. 2875.Made In Order
15Version 1Duffy (WI)RepublicanAllows future residential structures continued access to both NFIP and private flood coverage, establish January 1, 2019 as the effective date for commercial properties to opt-out of the NFIP, and correct a technical error in Section 607 regarding improved disclosure requirements.Made In Order
14Version 1Esty (CT)DemocratRequires that the Administrator of the Federal Emergency Management Agency finalize the Biggert-Waters 2012 rule to reimburse communities for costs associated with hiring an independent engineering firm to reevaluate their flood zones no later than twelve months from enactment of this bill.Submitted
10Version 1Graves, Garret (LA)RepublicanRequires the NFIP to determine and quantify any portion of a premium in excess of the costs of WYO commissions, the cost of increased risk not attributed to the actions of a policyholder, and any costs associated with inefficiencies of the NFIP program, which shall be deemed a tax. Submitted
11Version 3Graves, Garret (LA)RepublicanRevised Clarifies that fees imposed on private market policies shall be offset by corresponding reduction in NFIP fees, resulting in $0 increase in government revenue. Submitted
12Version 1Graves, Garret (LA)RepublicanEnsures FEMA may not charge increased premium rates due to increased risk of flooding, if increased flood risk is attributed to actions by another agency or entity of the Federal Government. Submitted
13Version 1Graves, Garret (LA)RepublicanRequires GAO to conduct a study on compliance of mandatory purchase requirements with certain limitations on annual premium increases. Submitted
19Version 2Graves, Garret (LA)RepublicanRevised States that study shall determine the loss of equity for individuals and businesses attributed to rising premiums under the NFIP, changes in base flood elevation, and repetitive loss designations.Submitted
3Version 1Green, Gene (TX)DemocratCreates a temporary exemption for elderly and low income households from the "obtain and maintain" flood insurance requirement in order to receive Federal Emergency Management Agency (FEMA) Individuals and Households Program (IHP) Assistance. Submitted
9Version 1LoBiondo (NJ), King, Peter (NY)RepublicanStrikes Sections 105, 506, and 202. Amends Sections 402 and 112. Submitted
2Version 1Norton (DC)DemocratAmends the Coastal Zone Management Act to include the District of Columbia in the definition of "coastal state."Submitted
16Version 1Palazzo (MS)RepublicanAmends section 102 by striking language to increase premium surcharges. Maintains the $25 surcharge on primary policies and the $250 surcharge for non-residential and non-primary residences not eligible for a preferred risk policy. Submitted
17Version 1Palazzo (MS)RepublicanAmends language to reduce the maximum annual premium increase to 12 percent. Strikes language to increase the minimum annual premium increase. Submitted
18Version 1Palazzo (MS)RepublicanAllows a forbearance on interest payments for the National Flood Insurance Program for 5 years.Submitted
4Version 1Pallone (NJ), Pascrell (NJ)DemocratStrikes section 102 and inserts language limiting premium increases to 10%.Submitted
5Version 1Pallone (NJ), Pascrell (NJ)DemocratStrikes section 403 and raises the Increased Cost of Compliance from $30,000 to $100,000. Expands eligibility and clarifies coverage limits.Submitted
6Version 1Pallone (NJ), Pascrell (NJ)DemocratStrikes section 507 and inserts language limiting compensation of Write Your Own companies to not more than 22.46% of the aggregate amount of premiums charged by the company, while maintaining agent commissions at 15%.Submitted
7Version 1Pallone (NJ), Pascrell (NJ)DemocratStrikes title IV and inserts language making numerous claims process reforms, including reforming the definitions of earth movement, basement and mold damage; extending the deadline to file appeals to 1 year and requiring FEMA to respond within 90 days; allowing policyholders who prevail in the appeals process to be entitlted to attorney's and expert fees; eases proof of loss requirements, and other reforms.Submitted