US Congress Senate Bill 1610 (Prior Session Legislation)

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Spectrum: Slight Partisan Bill (Democrat 20-9)
Status: Introduced on October 29 2013 - 25% progression, died in committee
Action: 2013-10-29 - Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Pending: Senate Banking, Housing, And Urban Affairs Committee
Text: Latest bill text (Introduced) [PDF]

Homeowner Flood Insurance Affordability Act of 2013 - Prohibits the Administrator of the Federal Emergency Management Agency (FEMA) from: (1) increasing flood insurance risk premium rates to reflect the current risk of flood for certain property located in specified areas subject to a certain mandatory premium adjustment, or (2) reducing such subsidies for any property not insured by the flood insurance program as of July 6, 2012, or any policy that has lapsed in coverage as a result of the policyholder's deliberate choice (Pre-Flood Insurance Rate Map or pre-FIRM properties). Sets forth expiration dates for such prohibitions. Amends the National Flood Insurance Act of 1968 (NFIA) to prohibit the Administrator from providing flood insurance to prospective insureds at rates less than those estimated for any property purchased after the expiration of such six-month period (currently, any property purchased after July 6, 2012). Directs FEMA to: (1) restore during such six-month period specified estimated risk premium rate subsidies for flood insurance for pre-FIRM properties and properties purchased after such six-month period, and (2) submit to certain congressional committees a draft affordability framework addressing the affordability of flood insurance sold under the National Flood Insurance Program. Prescribes procedures for expedited congressional consideration of legislation on FEMA affordability authorities. Permits FEMA to enter into an agreement with another federal agency either to: (1) complete the affordability study, or (2) prepare the draft affordability framework. Directs FEMA submit to certain congressional committees the affordability study and report. Amends NFIA to authorize FEMA to reimburse homeowners for successful map appeals. Makes any community that has made adequate progress on the construction (as under current law) or reconstruction (new) of a flood protection system which will afford flood protection for the one-hundred year frequency flood eligible for flood insurance at premium rates not exceeding those which would apply if such flood protection system had been completed. Revises guidelines governing availability of flood insurance in communities restoring disaccredited flood protection systems to include riverine and coastal levees. Requires FEMA to: (1) rate a covered structure using the elevation difference between the floodproofed elevation of the covered structure and the adjusted base flood elevation of the covered structure; and (2) designate a Flood Insurance Advocate to advocate for the fair treatment of policy holders under the National Flood Insurance Program and property owners in the mapping of flood hazards, the identification of risks from flood, and the implementation of measures to minimize the risk of flood.

Homeowner Flood Insurance Affordability Act of 2013

Sen. Robert Menendez [D-NJ]	Sen. Mark Begich [D-AK]	Sen. Richard Blumenthal [D-CT]	Sen. Cory Booker [D-NJ]
Sen. Robert Casey [D-PA]	Sen. Thad Cochran [R-MS]	Sen. Susan Collins [R-ME]	Sen. Al Franken [D-MN]
Sen. Kirsten Gillibrand [D-NY]	Sen. Lindsey Graham [R-SC]	Sen. Kay Hagan [D-NC]	Sen. Heidi Heitkamp [D-ND]
Sen. John Hoeven [R-ND]	Sen. Johnny Isakson [R-GA]	Sen. Amy Klobuchar [D-MN]	Sen. Mary Landrieu [D-LA]
Sen. Joe Manchin [D-WV]	Sen. Edward Markey [D-MA]	Sen. Jeff Merkley [D-OR]	Sen. Lisa Murkowski [R-AK]
Sen. Bill Nelson [D-FL]	Sen. Jack Reed [D-RI]	Sen. Brian Schatz [D-HI]	Sen. Charles Schumer [D-NY]
Sen. Tim Scott [R-SC]	Sen. David Vitter [R-LA]	Sen. Elizabeth Warren [D-MA]	Sen. Sheldon Whitehouse [D-RI]
Sen. Roger Wicker [R-MS]

Date	Chamber	Action
2013-10-29	Senate	Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

HB3370 (Same As) 2014-03-21 - Became Public Law No: 113-89.
SB1601 (Related) 2013-10-29 - Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
HB3511 (Related) 2013-11-15 - Referred to House Rules
SB1846 (Related) 2014-01-15 - Motion to proceed to consideration of measure made in Senate. (consideration: CR S335, S344-360)
HB3834 (Related) 2014-01-09 - Referred to the House Committee on Financial Services.
SB1926 (Related) 2014-01-31 - Held at the desk.

Type	Source
Summary	https://www.congress.gov/bill/113th-congress/senate-bill/1610/all-info
Text	https://www.congress.gov/113/bills/s1610/BILLS-113s1610is.pdf