United States · Bill · HR
H.R. 4973 (109th)
Flood Insurance Reform and Modernization Act of 2006
Introduced
16 March 2006
Last action
28 June 2006 · Introduced
Status
Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 501.
Sponsors
Rep. Baker, Richard H. [R-LA-6], Rep. Frank, Barney [D-MA-4]
Subjects
Discovery layer
Source updated
7 April 2025
Summary
Flood Insurance Reform and Modernization Act of 2006 - Instructs the Comptroller General to study and report to Congress on: (1) the status of the national flood insurance program for specified pre-FIRM properties; (2) the extension of mandatory flood insurance coverage purchase requirements to properties located in any area that would be designated as having special flood hazards but for the existence of a structural flood protection system; and (3) the mandatory purchase requirement in connection with non-federally related loans. Amends the National Flood Insurance Act of 1968 to include nonresidential properties and non-primary residences within the guidelines for actuarial rate properties. Amends the Flood Disaster Protection Act of 1973 to increase civil monetary penalties. Amends the National Flood Insurance Act of 1968 to: (1) increase flood insurance coverage for residential property; (2) provide coverage for necessary increases in living expenses, basement improvements, business interruption, and replacement cost of contents; and (3) increase borrowing authority for the flood insurance program. Requires the Federal Emergency Management Agency (FEMA), upon request, to participate in state disaster claims mediation programs. Extends funding through FY2011 for the pilot program for mitigation of severe repetitive loss properties. Amends the Real Estate Settlement Procedures Act of 1974 to require good faith estimates to state that flood insurance coverage for residential real estate is generally available, whether or not the real estate is located in an area having special flood hazards. Instructs the FEMA Director to: (1) establish a decisions appeals process for flood insurance policyholders; (2) establish a program to review, update, and maintain flood insurance program maps; (3) maintain a national levee inventory; and (4) clarify the applicability of replacement cost coverage. Reestablishes the Technical Mapping Advisory Council.
This text is taken from the official record. PoliticalRepo does not editorialize.
Timeline
16 March 2006
Reported
Ordered to be Reported (Amended) by Voice Vote.
Source: Committee
16 March 2006
Introduced
Referred to the House Committee on Financial Services.
Source: IntroReferral
16 March 2006
Introduced
Introduced in House
Source: IntroReferral
16 March 2006
Introduced
Introduced in House
Source: IntroReferral
6 April 2006
Calendars
Placed on the Union Calendar, Calendar No. 224.
Source: Calendars
6 April 2006
Reported
Reported by the Committee on Financial Services. H. Rept. 109-410.
Source: Committee
6 April 2006
Reported
Reported by the Committee on Financial Services. H. Rept. 109-410.
Source: Committee
26 June 2006
Reported
Rules Committee Resolution H. Res. 891 Reported to House. Rule provides for consideration of H.R. 4973 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.
Source: Floor
27 June 2006
Passed
Motion to reconsider laid on the table Agreed to without objection.
Source: Floor
27 June 2006
Floor
The Clerk was authorized to correct section numbers, punctuation, and cross references, and to make other necessary technical and conforming corrections in the engrossment of H.R. 4973.
Source: Floor
27 June 2006
Vote
On passage Passed by the Yeas and Nays: 416 - 4 (Roll no. 325).
Source: Floor
27 June 2006
Vote
Passed/agreed to in House: On passage Passed by the Yeas and Nays: 416 - 4 (Roll no. 325).
Source: Floor
27 June 2006
Passed
The House adopted the remaining amendments en gross as agreed to by the Committee of the Whole House on the state of the Union.
Source: Floor
27 June 2006
Floor
The previous question was ordered pursuant to the rule.
Source: Floor
27 June 2006
Floor
The House rose from the Committee of the Whole House on the state of the Union to report H.R. 4973.
Source: Floor
27 June 2006
Floor
The House resolved into Committee of the Whole House on the state of the Union for further consideration.
Source: Floor
27 June 2006
Floor
Committee of the Whole House on the state of the Union rises leaving H.R. 4973 as unfinished business.
Source: Floor
27 June 2006
Floor
House resolved itself into the Committee of the Whole House on the state of the Union pursuant to H. Res. 891 and Rule XVIII.
Source: Floor
27 June 2006
Floor
The Speaker designated the Honorable Jeff Miller to act as Chairman of the Committee.
Source: Floor
27 June 2006
Floor
Rule provides for consideration of H.R. 4973 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.
Source: Floor
27 June 2006
Reported
Considered under the provisions of rule H. Res. 891. (consideration: CR H4589-4604; text as reported in House: CR H4595-4598)
Source: Floor
27 June 2006
Passed
Rule H. Res. 891 passed House.
Source: Floor
28 June 2006
Introduced
Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 501.
Source: Calendars
Votes
No vote records are attached yet.
Versions
- Placed on Calendar Senate · 28 June 2006 · Download file
- Engrossed in House · 27 June 2006 · Download file
- Reported in House · 6 April 2006 · Download file
- Introduced in House · 16 March 2006 · Download file
Documents
11 official files
Placed on Calendar Senate (text)
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Placed on Calendar Senate (text)
Placed on Calendar Senate · EN · 28 June 2006
Placed on Calendar Senate (PDF)
Placed on Calendar Senate · EN · 28 June 2006
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Engrossed in House (text)
Engrossed in House · EN · 27 June 2006
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Engrossed in House (PDF)
Engrossed in House · EN · 27 June 2006
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Passed House amended
summary · EN · 27 June 2006
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Reported in House (text)
Reported in House · EN · 6 April 2006
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Reported in House (PDF)
Reported in House · EN · 6 April 2006
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Reported to House without amendment
summary · EN · 6 April 2006
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Introduced in House (text)
Introduced in House · EN · 16 March 2006
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Introduced in House (PDF)
Introduced in House · EN · 16 March 2006
ViewDownloadOpen at official source
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Documentvertaling op verzoek met downloadbare PDF (logo + link naar de officiële bron). Het bronbestand blijft leidend.
Introduced in House
summary · EN · 16 March 2006
Leesvertaling
Vertaal dit document naar jouw taal. PoliticalRepo bewaart geen aparte kopie per EU-taal.
Documentvertaling op verzoek met downloadbare PDF (logo + link naar de officiële bron). Het bronbestand blijft leidend.
Sponsors
- Rep. Baker, Richard H. [R-LA-6] · R · Sponsor
- Rep. Frank, Barney [D-MA-4] · D · Sponsor
- · hsba00 · Standing
Related records
- related to → Providing for consideration of the bill (H.R. 4973) to restore the financial solvency of the national flood insurance program, and for other purposes.
- related to ← Flood Insurance Reform and Modernization Act of 2006
- amends ← An amendment numbered 1 printed in House Report 109-530 which contains a number of technical and conforming changes, including: clarification that the provisions governing the phasing-in of actuarial rates for nonresidential and non-primary residence properties will apply on the date on which the director of FEMA submits a required report to Congress, as opposed to the date of this legislation's enactment; clarification that the $1 million cap on penalties for non-enforcement of mandatory flood insurance purchase requirements will not apply to a regulated institution or enterprise, for a calendar year, if in any 3 of the past 5 calendar years that institution or enterprise was assessed a penalty of $1 million; clarifications regarding the requirements for states to request FEMA participation in state-run disaster claims mediation programs and certain other provisions of the bill related to the claims mediation process; clarification of the timeline for FEMA's inclusion of certain features on updated floodplain maps; and clarification of the FEMA Director's authority regarding his ability to issue interim post-disaster flood elevation building requirements.
- amends ← An amendment numbered 11 printed in House Report 109-530 to clarifiy that `demolish and rebuild' should be a mitigation option available under the regular Flood Mitigation Assistance (FMA) program. The `demolish and rebuild' option is specifically allowed under the Severe Repetitive Loss Program created by the 2004 reform act and FEMA has interpreted the difference to mean it cannot approve the measure under FMA.
- amends ← An amendment numbered 5 printed in House Report 109-530 to add a provision into the GAO study on the status of the national flood insurance program for certain pre-FIRM properties that seeks to identify any inconsistencies in eligibility standards for pre- FIRM coverage.
- amends ← An amendment numbered 6 printed in House Report 109-530 to correct an inequity in current law by exempting all purchases or transfers of property by any means, and not just purchases via a loan as under current law, from the 30-day waiting period for purposes of flood insurance coverage.
- amends ← An amendment numbered 15 printed in House Report 109-530 to immediately end all flood insurance subsidies on nonresidential, vacation and second homes.
- amends ← An amendment numbered 12 printed in House Report 109-530 to direct FEMA to utilize `a methodologically valid approach for sampling files selected for operational reviews and quality assurance claims reinspections.' A 2005 GAO study highlighted FEMA's oversight failures, stating that, `FEMA cannot . . . determine the overall accuracy of claims settled for specific flood events or assess the overall performance of insurance companies and their adjusters in fulfilling their responsibilities for the NFIP' (GAO-06-183T National Flood Insurance Program). Improves the oversight and accountability of the National Flood Insurance Program (NFIP).
- amends ← An amendment numbered 2 printed in House Report 109-530 which codifies existing notification regulations and further requires 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 appeal process and contact information for responsible officials.
Showing 9 of 18 related records.
Sources
PoliticalRepo is an index and interpretation layer, not the authoritative legal source.
- Official source: https://www.congress.gov/bill/109th-congress/house-bill/4973
- Open data entity: https://api.congress.gov/v3/bill/109/hr/4973
- us · 109-hr-4973 · source updated 7 April 2025