H. Amdt. 624 - Amendment Adds a Reserve Fund Requirement to the National Flood Insurance Program.

Flood Insurance Reform Act of 2011

H.R. 1309 — 112^th Congress (2011–2012)

Summary

To extend the authorization of the national flood insurance program, to achieve reforms to improve the financial integrity and stability of the program, and to increase the role of private markets in the management of flood insurance risk, and for other purposes. (by CRS)

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Title

To extend the authorization of the national flood insurance program, to achieve reforms to improve the financial integrity and stability of the program, and to increase the role of private markets in the management of flood insurance risk, and for other purposes.

Other Titles

• Flood Insurance Reform Act of 2011
• Flood Insurance Reform Act of 2011
• Flood Insurance Reform Act of 2011

Sponsor

Judy Biggert

Co-Sponsors

• Gus Bilirakis
• Sanford Bishop
• Shelley Capito
• Lloyd Doggett
• Bob Dold
• Anna Eshoo
• Scott Garrett
• Al Green
• Gregg Harper
• Rubén Hinojosa
• Tim Holden
• Randy Hultgren
• Carolyn McCarthy
• David McKinley
• Nick Rahall
• Pete Sessions
• Albio Sires
• Steve Stivers
• Maxine Waters

Subjects

• Emergency management
• Administrative law and regulatory procedures
• Advisory bodies
• Building construction
• Department of Homeland Security
• Disaster relief and insurance
• Federal Emergency Management Agency (FEMA)
• Floods and storm protection
• Government information and archives
• Housing and community development funding
• Housing industry and standards
• Licensing and registrations
• Public contracts and procurement
• User charges and fees

Related Bills

• H.Res. 340 (112^th) : Providing for Consideration of the Bill (H.R. 1309) to Extend the Authorization of the National Flood Insurance Program, to Achieve Reforms to Improve the Financial Integrity and Stability of the Program, and to Increase the Role of Private Markets in the Management of Flood Insurance Risk, and for Other Purposes.
• H.Res. 368 (112^th) : Requesting Return of Official Papers on H.R. 1309.
• H.Res. 368 (112^th) : Requesting Return of Official Papers on H.R. 1309.
• H.R. 902 (112^th) : To Amend the National Flood Insurance Act of 1968 to Require the Administrator of the Federal Emergency Management Agency to Consider Reconstruction and Improvement of Flood Protection Systems when Establishing Flood Insurance Rates.
• H.R. 3630 (112^th) : Middle Class Tax Relief and Job Creation Act of 2012
• H.R. 5652 (112^th) : Sequester Replacement Reconciliation Act of 2012
• H.R. 5740 (112^th) : National Flood Insurance Program Extension Act
• S. 1041 (112^th) : A Bill to Ensure the Equitable Treatment of Swimming Pool Enclosures Outside of Hurricane Season Under the National Flood Insurance Program.
• S. 1284 (112^th) : A Bill to Amend the National Flood Insurance Act of 1968 to Require the Administrator of the Federal Emergency Management Agency to Consider Reconstruction and Improvement of Flood Protection Systems when Establishing Flood Insurance Rates.

Major Actions

Introduced	3/11/2011
Referred to Committee
Amendments (15 proposed)
Passed House	7/12/2011

Bill History

• All Votes
• All Actions
• Amendments

	Chamber/Committee	Motion	Date	Result
select this vote	House	Amendment 3 to H.R. 1309	7/12/2011	This amendment DID NOT PASS the House 195 voted YES 230 voted NO 7 voted present/not voting
select this vote	House	Amendment 4 to H.R. 1309	7/12/2011	This amendment DID NOT PASS the House 118 voted YES 305 voted NO 9 voted present/not voting
select this vote	House	Amendment 7 to H.R. 1309	7/12/2011	This amendment PASSED the House 261 voted YES 163 voted NO 8 voted present/not voting
currently selected	House	Amendment 12 to H.R. 1309	7/12/2011	This amendment PASSED the House 241 voted YES 183 voted NO 8 voted present/not voting
select this vote	House	Amendment 13 to H.R. 1309	7/12/2011	This amendment DID NOT PASS the House 186 voted YES 238 voted NO 8 voted present/not voting
select this vote	House	Amendment 14 to H.R. 1309	7/12/2011	This amendment DID NOT PASS the House 192 voted YES 230 voted NO 10 voted present/not voting
select this vote	House	Amendment 15 to H.R. 1309	7/12/2011	This amendment DID NOT PASS the House 38 voted YES 384 voted NO 10 voted present/not voting
select this vote	House	On Motion to Recommit with Instructions: H.R. 1309 To extend the authorization of the national flood insurance program, to achieve reforms to improve the financial integrity and stability of the program, and to increase the role of private markets in the management of flood insurance risk, and for other purposes	7/12/2011	This motion DID NOT PASS the House 181 voted YES 244 voted NO 7 voted present/not voting
select this vote	House	On Passage - House - H.R. 1309 To extend the authorization of the national flood insurance program, to achieve reforms to improve the financial integrity and stability of the program, and to increase the role of private markets in the management of flood insurance risk, and for other purposes	7/12/2011	This bill PASSED the House 406 voted YES 22 voted NO 4 voted present/not voting
select this vote	House	On agreeing to the Schock amendment (A002) Agreed to by voice vote.	7/12/2011	PASSED by voice vote
select this vote	House	On agreeing to the Ros-Lehtinen amendment (A005) Failed by voice vote.	7/12/2011	DID NOT PASS by voice vote
select this vote	House	On agreeing to the Walberg amendment (A006) Agreed to by voice vote.	7/12/2011	PASSED by voice vote
select this vote	House	On agreeing to the McGovern amendment (A008) Agreed to by voice vote.	7/12/2011	PASSED by voice vote
select this vote	House	On agreeing to the Brady (TX) amendment (A009) Agreed to by voice vote.	7/12/2011	PASSED by voice vote
select this vote	House	On agreeing to the Sherman amendment (A010) Agreed to by voice vote.	7/12/2011	PASSED by voice vote
select this vote	House	On agreeing to the Loebsack amendment (A011) Agreed to by voice vote.	7/12/2011	PASSED by voice vote

	Action	Date	Description
	Introduced	4/01/2011
		3/11/2011	Hearings Held Prior to Introduction.
		4/01/2011	Referred to the House Committee on Financial Services.
		4/01/2011	Hearings Held by the Subcommittee on Insurance, Housing and Community Opportunity Prior to Introduction and Referral.
		4/06/2011	HR 1309 was forwarded to full committee by voice vote as amended by the Subcommittee on Insurance, Housing and Community Opportunity.
		5/13/2011	Committee Consideration and Mark-up Session Held.
	Put on a legislative calendar	5/13/2011	Ordered to be Reported (Amended) by the Yeas and Nays: 54 - 0.
		6/09/2011	Reported (Amended) by the Committee on Financial Services. H. Rept. 112-102.
	Put on a legislative calendar	6/09/2011	Placed on the Union Calendar, Calendar No. 57.
		7/07/2011	Rules Committee Resolution H. Res. 340 Reported to House. Rule provides for consideration of H.R. 1309 with 1 hour of general debate. Previous question shall be considered as ordered without intervening motions except motion to recommit with or without instructions. Measure will be considered read. Specified amendments are in order. All points of order against consideration of the bill are waived. All points of order against the committee amendment in the nature of a substitute are waived.
		7/08/2011	Rule H. Res. 340 passed House.
		7/12/2011	Considered under the provisions of rule H. Res. 340.
		7/12/2011	Rule provides for consideration of H.R. 1309 with 1 hour of general debate. Previous question shall be considered as ordered without intervening motions except motion to recommit with or without instructions. Measure will be considered read. Specified amendments are in order. All points of order against consideration of the bill are waived. All points of order against the committee amendment in the nature of a substitute are waived.
		7/12/2011	House resolved itself into the Committee of the Whole House on the state of the Union pursuant to H. Res. 340 and Rule XVIII.
		7/12/2011	The Speaker designated the Honorable Virginia Foxx to act as Chairwoman of the Committee.
		7/12/2011	GENERAL DEBATE - The Committee of the Whole proceeded with one hour of general debate on H.R. 1309.
		7/12/2011	Mrs. Biggert moved that the committee rise.
		7/12/2011	On motion that the committee rise Agreed to by voice vote.
		7/12/2011	Committee of the Whole House on the state of the Union rises leaving H.R. 1309 as unfinished business.
		7/12/2011	Considered as unfinished business.
		7/12/2011	The House resolved into Committee of the Whole House on the state of the Union for further consideration.
		7/12/2011	DEBATE - Pursuant to the provisions of H. Res. 340, the Committee of the Whole proceeded with 10 minutes of debate on the Biggert En Bloc amendments.
		7/12/2011	DEBATE - Pursuant to the provisions of H. Res. 340, the Committee of the Whole proceeded with 10 minutes of debate on the Schock amendment No. 2.
		7/12/2011	DEBATE - Pursuant to the provisions of H. Res. 340, the Committee of the Whole proceeded with 10 minutes of debate on the Speier amendment No. 3.
		7/12/2011	POSTPONED PROCEEDINGS - At the conclusion of debate on the Speier amendment No. 3, the Chair put the question on adoption of the amendment and by voice vote, announced that the noes had prevailed. Mrs. Biggert demanded a recorded vote and the Chair postponed further proceedings on adoption of the amendment until later in the legislative day.
		7/12/2011	DEBATE - Pursuant to the provisions of H. Res. 340, the Committee of the Whole proceeded with 10 minutes of debate on the Flake amendment No. 4.
		7/12/2011	POSTPONED PROCEEDINGS - At the conclusion of debate on the Flake amendment No. 4, the Chair put the question on adoption of the amendment and by voice vote, announced that the noes had prevailed. Mr. Flake demanded a recorded vote and the Chair postponed further proceedings on adoption of the amendment until later in the legislative day.
		7/12/2011	DEBATE - Pursuant to the provisions of H. Res. 340, the Committee of the Whole proceeded with 10 minutes of debate on the Ros-Lehtinen amendment No. 5.
		7/12/2011	DEBATE - Pursuant to the provisions of H. Res. 340, the Committee of the Whole proceeded with 10 minutes of debate on the Walberg amendment No. 10.
		7/12/2011	DEBATE - Pursuant to the provisions of H. Res. 340, the Committee of the Whole proceeded with 10 minutes of debate on the Cardoza amendment No. 11.
		7/12/2011	POSTPONED PROCEEDINGS - At the conclusion of debate on the Cardoza amendment No. 11, the Chair put the question on adoption of the amendment and by voice vote, announced that the noes had prevailed. Mr. Cardoza demanded a recorded vote and the Chair postponed further proceedings on adoption of the amendment until later in the legislative day.
		7/12/2011	DEBATE - Pursuant to the provisions of H. Res. 340, the Committee of the Whole proceeded with 10 minutes of debate on the McGovern amendment No. 13.
		7/12/2011	DEBATE - Pursuant to the provisions of H. Res. 340, the Committee of the Whole proceeded with 10 minutes of debate on the Brady (TX) amendment No. 14.
		7/12/2011	DEBATE - Pursuant to the provisions of H. Res. 340, the Committee of the Whole proceeded with 10 minutes of debate on the Sherman amendment No. 16.
		7/12/2011	DEBATE - Pursuant to the provisions of H. Res. 340, the Committee of the Whole proceeded with 10 minutes of debate on the Loebsack amendment No. 17.
		7/12/2011	DEBATE - Pursuant to the provisions of H. Res. 340, the Committee of the Whole proceeded with 10 minutes of debate on the Westmoreland amendment No. 19.
		7/12/2011	POSTPONED PROCEEDINGS - At the conclusion of debate on the Westmoreland amendment, the Chair put the question on adoption of the amendment and by voice vote, announced that the ayes had prevailed. Ms. Waters demanded a recorded vote and the Chair postponed further proceedings on adoption of the amendment until later in the legislative day.
		7/12/2011	DEBATE - Pursuant to the provisions of H. Res. 340, the Committee of the Whole proceeded with 10 minutes of debate on the Miller (MI) amendment No. 20.
		7/12/2011	POSTPONED PROCEEDINGS - At the conclusion of debate on the Miller (MI) amendment, the Chair put the question on adoption of the amendment and by voice vote, announced that the noes had prevailed. Mrs. Miller demanded a recorded vote and the Chair postponed further proceedings on adoption of the amendment until later in the legislative day.
		7/12/2011	DEBATE - Pursuant to the provisions of H. Res. 340, the Committee of the Whole proceeded with 10 minutes of debate on the Scott (VA) amendment No. 23.
		7/12/2011	POSTPONED PROCEEDINGS - At the conclusion of debate on the Scott (VA) amendment, the Chair put the question on adoption of the amendment and by voice vote, announced that the ayes had prevailed. Mrs. Biggert demanded a recorded vote and the Chair postponed further proceedings on adoption of the amendment until later in the legislative day.
		7/12/2011	DEBATE - Pursuant to the provisions of H. Res. 340, the Committee of the Whole proceeded with 10 minutes of debate on the Miller (MI) amendment No. 25.
		7/12/2011	UNFINISHED BUSINESS - The Chair announced that the unfinished business was the question of adoption of amendments which had been debated earlier and on which further proceedings had been postponed.
		7/12/2011	The House rose from the Committee of the Whole House on the state of the Union to report H.R. 1309.
		7/12/2011	The House adopted the amendments en gross as agreed to by the Committee of the Whole House on the state of the Union.
		7/12/2011	The previous question was ordered pursuant to the rule.
		7/12/2011	Mr. Boswell moved to recommit with instructions to Financial Services.
		7/12/2011	DEBATE - The House proceeded with 10 minutes of debate on the Boswell motion to recommit with instructions. The instructions contained in the motion seek to require the bill to be reported back to the House with an amendment to provide grants to repair flood-damaged homes and relief from flood insurance premium increases for the flood victims whose residences were damaged by flooding for which the President declared a major disaster or emergency in 2011.
		7/12/2011	The previous question on the motion to recommit with instructions was ordered without objection.
		7/12/2011	Motion to reconsider laid on the table Agreed to without objection.
select this vote	Vote	7/12/2011	Amendment 3 to H.R. 1309
select this vote	Vote	7/12/2011	Amendment 4 to H.R. 1309
select this vote	Vote	7/12/2011	Amendment 7 to H.R. 1309
currently selected	Vote	7/12/2011	Amendment 12 to H.R. 1309
select this vote	Vote	7/12/2011	Amendment 13 to H.R. 1309
select this vote	Vote	7/12/2011	Amendment 14 to H.R. 1309
select this vote	Vote	7/12/2011	Amendment 15 to H.R. 1309
select this vote	Vote	7/12/2011	On Motion to Recommit with Instructions: H.R. 1309 To extend the authorization of the national flood insurance program, to achieve reforms to improve the financial integrity and stability of the program, and to increase the role of private markets in the management of flood insurance risk, and for other purposes
select this vote	House Vote on Passage	7/12/2011	On Passage - House - H.R. 1309 To extend the authorization of the national flood insurance program, to achieve reforms to improve the financial integrity and stability of the program, and to increase the role of private markets in the management of flood insurance risk, and for other purposes
		7/12/2011	Amendments en bloc (A001) offered by Mrs. Biggert.
		7/12/2011	On agreeing to the Biggert amendments (A001) Agreed to by voice vote.
		7/12/2011	Amendment (A002) offered by Mr. Schock.
select this vote	Vote	7/12/2011	On agreeing to the Schock amendment (A002) Agreed to by voice vote.
		7/12/2011	Amendment (A003) offered by Ms. Speier.
		7/12/2011	Amendment (A004) offered by Mr. Flake.
		7/12/2011	Amendment (A005) offered by Ms. Ros-Lehtinen.
select this vote	Vote	7/12/2011	On agreeing to the Ros-Lehtinen amendment (A005) Failed by voice vote.
		7/12/2011	Amendment (A006) offered by Mr. Walberg.
select this vote	Vote	7/12/2011	On agreeing to the Walberg amendment (A006) Agreed to by voice vote.
		7/12/2011	Amendment (A007) offered by Mr. Cardoza.
		7/12/2011	Amendment (A008) offered by Mr. McGovern.
select this vote	Vote	7/12/2011	On agreeing to the McGovern amendment (A008) Agreed to by voice vote.
		7/12/2011	Amendment (A009) offered by Mr. Brady (TX).
select this vote	Vote	7/12/2011	On agreeing to the Brady (TX) amendment (A009) Agreed to by voice vote.
		7/12/2011	Amendment (A010) offered by Mr. Sherman.
select this vote	Vote	7/12/2011	On agreeing to the Sherman amendment (A010) Agreed to by voice vote.
		7/12/2011	Amendment (A011) offered by Mr. Loebsack.
select this vote	Vote	7/12/2011	On agreeing to the Loebsack amendment (A011) Agreed to by voice vote.
		7/12/2011	Amendment (A012) offered by Mr. Westmoreland.
		7/12/2011	Amendment (A013) offered by Mrs. Miller (MI).
		7/12/2011	Amendment (A014) offered by Mr. Scott (VA).
		7/12/2011	Amendment (A015) in the nature of a substitute offered by Mrs. Miller (MI).
		7/13/2011	Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
		7/25/2011	House requested return of papers pursuant to H.Res. 368
		7/26/2011	Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent.
		7/26/2011	Senate returned papers to House by Unanimous Consent.
		7/27/2011	Senate returned papers to House.
		7/27/2011	Message on Senate action sent to the House.
		7/27/2011	Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

	Number	Sponsor	Date Offered	Status
	H. Amdt. 613	Biggert, Judy [R-IL13]	July 12, 2011	Offered on July 11, 2011.
	Manager's amendment consisting of amendments numbered 1, 6, 7, 8, as modified, 9, 12, 15, 18, 21, 22, and 24 printed in House Report 112-138, offered en bloc and which appear on page H4895 of the Congressional Record for July 12, 2011. Show amendment details
select this vote	H. Amdt. 614	Schock, Aaron [R-IL18]	July 12, 2011	Passed by voice vote on July 12, 2011.
	Amendment to allow for a possible fourth and fifth suspension of the mandatory purchase for certain communities that are making adequate progress in construction of their flood protection systems. Show amendment details
select this vote	H. Amdt. 615	Speier, Jackie [D-CA14]	July 12, 2011	Failed by roll call vote on July 12, 2011.
	Amendment sought to 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. Show amendment details
select this vote	H. Amdt. 616	Flake, Jeff [R-AZ]	July 12, 2011	Failed by roll call vote on July 12, 2011.
	Amendment sought to strike additional flood-related coverage provided in H.R. 1309 for interruption of cost-of-living expenses and business expenses ($5,000 and $20,000, respectively). Show amendment details
select this vote	H. Amdt. 617	Ros-Lehtinen, Ileana [R-FL27]	July 12, 2011	Failed by voice vote on July 12, 2011.
	Amendment sought to strike the provisions in the bill that would change the annual limit on premium rates increases from 10% to 20%. Show amendment details
select this vote	H. Amdt. 618	Walberg, Tim [R-MI7]	July 12, 2011	Passed by voice vote on July 12, 2011.
	Amendment places 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 new mapping standards thus allowing 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. Show amendment details
select this vote	H. Amdt. 619	Cardoza, Dennis [D-CA18]	July 12, 2011	Passed by roll call vote on July 12, 2011.
	Amendment strikes the language in the bill which requires FEMA to include on its flood maps areas of residual risk. Show amendment details
select this vote	H. Amdt. 620	McGovern, James [D-MA2]	July 12, 2011	Passed by voice vote on July 12, 2011.
	Amendment allows 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. Show amendment details
select this vote	H. Amdt. 621	Brady, Kevin [R-TX8]	July 12, 2011	Passed by voice vote on July 12, 2011.
	Amendment 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. Show amendment details
select this vote	H. Amdt. 622	Sherman, Brad [D-CA30]	July 12, 2011	Passed by voice vote on July 12, 2011.
	Amendment reduces 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 and authorizes FEMA to refuse to accept future transfers of policies to the NFIP Direct program. Show amendment details
select this vote	H. Amdt. 623	Loebsack, David [D-IA2]	July 12, 2011	Passed by voice vote on July 12, 2011.
	Amendment to 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. Show amendment details
currently selected	H. Amdt. 624	Westmoreland, Lynn [R-GA3]	July 12, 2011	Passed by roll call vote on July 12, 2011.
	Amendment adds a reserve fund requirement to the National Flood Insurance Program. Actions July 12, 2011, 1:44 pm ET - Amendment 12 to H.R. 1309 July 12, 2011, 4:19 pm ET - Amendment (A012) offered by Mr. Westmoreland. Full Text of this Amendment The text of this amendment is not available.
select this vote	H. Amdt. 625	Miller, Candice [R-MI10]	July 12, 2011	Failed by roll call vote on July 12, 2011.
	Amendment sought to terminate current spending on TV and Radio commercials being aired to promote the NFIP in all 50 states and direct remaining funds to be used to pay down NFIP's debt. Show amendment details
select this vote	H. Amdt. 626	Scott, Robert [D-VA3]	July 12, 2011	Failed by roll call vote on July 12, 2011.
	Amendment sought to direct the GAO to conduct a study of the means and effects of facilitating a market for all-peril insurance policies for residential properties. Show amendment details
select this vote	H. Amdt. 627	Miller, Candice [R-MI10]	July 12, 2011	Failed by roll call vote on July 12, 2011.
	Amendment in the nature of a substitute sought to terminate the NFIP by January 1, 2012 and allow States to form interstate compacts to provide insurance. Show amendment details