United States · Bill · HR
H.R. 5114 (111th)
Flood Insurance Reform Priorities Act of 2010
Introduced
22 April 2010
Last action
19 July 2010 · Introduced
Status
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Sponsors
Rep. Waters, Maxine [D-CA-43], Rep. Frank, Barney [D-MA-4], Rep. Kanjorski, Paul E. [D-PA-11], Rep. Costello, Jerry F. [D-IL-12], Rep. Matsui, Doris O. [D-CA-7], Rep. Thompson, Bennie G. [D-MS-2], Rep. Murphy, Patrick J. [D-PA-8], Rep. Capps, Lois [D-CA-24], Rep. Cardoza, Dennis A. [D-CA-18], Rep. Hare, Phil [D-IL-17], Rep. Green, Al [D-TX-9], Rep. Sánchez, Linda T. [D-CA-38], Rep. Stark, Fortney Pete [D-CA-13], Rep. Sires, Albio [D-NJ-13]
Subjects
Housing
Source updated
7 April 2025
Summary
Flood Insurance Reform Priorities Act of 2010 - Amends the National Flood Insurance Act of 1968 (NFIA) to extend through FY2015 the National Flood Insurance Program and the Pilot Program for Mitigation of Severe Repetitive Loss Properties. Increases maximum coverage limits. Provides a phase-in of actuarial rates for nonresidential properties and non-primary residences. Amends the Flood Disaster Protection Act of 1973 (FDPA) to delay the effective date for the mandatory purchase of flood insurance for certain areas not previously designated as having special flood hazards. Amends NFIA to set forth a five-year phase-in of flood insurance rates for newly mapped areas not previously designated as having special flood hazards. Increases the annual limitation on premium increases. Considers any community that has made adequate progess on reconstruction or improvement of a flood protection system eligible for flood insurance premium rates not exceeding those which would be applicable if the flood protection system had been completed. States that, upon completion of certain flood protection projects, a covered area: (1) shall not be considered as having special flood hazards; and (2) shall be eligible for flood insurance. Amends the FDPA to require the Administrator of the Federal Emergency Management Agency (FEMA) to notify tenants: (1) whether property is located in an area having special flood hazards; and (2) that flood insurance for dwelling contents is available, including the maximum amount of such coverage. Authorizes such Administrator to make grants to local governmental agencies in communities that participate in the national flood insurance program to implement outreach activities to encourage the purchase of flood insurance protection. Authorizes the FEMA Administrator to employ additional staff. Directs the Secretary of Housing and Urban Development (HUD) and the FEMA Administrator to develop and implement jointly a plan to verify that persons receiving funds under the Homeowner Grant Assistance Program of the state of Mississippi or the Road Home Program of the state of Louisiana from specified allocations are maintaining flood insurance on the property for which they receive such funds. Establishes the Office of the Flood Insurance Advocate. Directs the Comptroller General to study and report to Congress on: (1) the impact, effectiveness, feasibility, and constitutional basis for extending mandatory flood insurance coverage purchase requirements to property which is located in any area having special flood hazards and which secures certain loan repayments; and (2) potential methods, practices, and incentives that would increase the extent to which low-income families owning residential properties located within special flood hazards areas would purchase flood insurance coverage under the national program. Requires the Administrator to study and report to Congress on including widely used and nationally recognized building codes as part of floodplain management criteria.
This text is taken from the official record. PoliticalRepo does not editorialize.
Timeline
22 April 2010
Introduced
Referred to the House Committee on Financial Services.
Source: IntroReferral
22 April 2010
Introduced
Introduced in House
Source: IntroReferral
22 April 2010
Introduced
Introduced in House
Source: IntroReferral
27 April 2010
Reported
Ordered to be Reported (Amended) by Voice Vote.
Source: Committee
27 April 2010
Committee
Committee Consideration and Mark-up Session Held.
Source: Committee
26 May 2010
Calendars
Placed on the Union Calendar, Calendar No. 282.
Source: Calendars
26 May 2010
Reported
Reported (Amended) by the Committee on Financial Services. H. Rept. 111-495.
Source: Committee
26 May 2010
Reported
Reported (Amended) by the Committee on Financial Services. H. Rept. 111-495.
Source: Committee
14 July 2010
Reported
Rules Committee Resolution H. Res. 1517 Reported to House. Rule provides for consideration of H.R. 5114 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 except those arising under clause 9 or 10 of rule XXI. It shall be in order to consider as an original bill for the purpose of amendment under the five-minute rule the amendment in the nature of a substitute recommended by the Committee on Financial Services now printed in the bill.
Source: Floor
15 July 2010
Passed
Motion to reconsider laid on the table Agreed to without objection.
Source: Floor
15 July 2010
Vote
On passage Passed by recorded vote: 329 - 90 (Roll no. 447).
Source: Floor
15 July 2010
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. 5114.
Source: Floor
15 July 2010
Floor
The previous question was ordered pursuant to the rule. (consideration: CR H5653)
Source: Floor
15 July 2010
Floor
The House rose from the Committee of the Whole House on the state of the Union to report H.R. 5114.
Source: Floor
15 July 2010
Vote
Passed/agreed to in House: On passage Passed by recorded vote: 329 - 90 (Roll no. 447).
Source: Floor
15 July 2010
Vote
On motion to recommit with instructions Failed by recorded vote: 191 - 229 (Roll no. 446).
Source: Floor
15 July 2010
Floor
The previous question on the motion to recommit with instructions was ordered without objection. (consideration: CR H5654)
Source: Floor
15 July 2010
Floor
Mr. Hensarling moved to recommit with instructions to Financial Services. (consideration: CR H5653-5655; text: CR H5654)
Source: Floor
15 July 2010
Passed
The House adopted the amendment in the nature of a substitute as agreed to by the Committee of the Whole House on the state of the Union. (text: CR H5636-5641)
Source: Floor
15 July 2010
Floor
The Speaker designated the Honorable Ed Pastor to act as Chairman of the Committee.
Source: Floor
15 July 2010
Floor
House resolved itself into the Committee of the Whole House on the state of the Union pursuant to H. Res. 1517 and Rule XVIII.
Source: Floor
15 July 2010
Floor
Rule provides for consideration of H.R. 5114 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 except those arising under clause 9 or 10 of rule XXI. It shall be in order to consider as an original bill for the purpose of amendment under the five-minute rule the amendment in the nature of a substitute recommended by the Committee on Financial Services now printed in the bill.
Source: Floor
15 July 2010
Floor
Considered under the provisions of rule H. Res. 1517. (consideration: CR H5626-5656)
Source: Floor
15 July 2010
Passed
Rule H. Res. 1517 passed House.
Source: Floor
19 July 2010
Introduced
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Source: IntroReferral
Votes
No vote records are attached yet.
Versions
- Referred in Senate · 19 July 2010 · Download file
- Engrossed in House · 15 July 2010 · Download file
- Reported in House · 26 May 2010 · Download file
- Introduced in House · 22 April 2010 · Download file
Documents
11 official files
Referred in Senate (text)
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Referred in Senate (text)
Referred in Senate · EN · 19 July 2010
Referred in Senate (PDF)
Referred in Senate · EN · 19 July 2010
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Engrossed in House (text)
Engrossed in House · EN · 15 July 2010
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Engrossed in House (PDF)
Engrossed in House · EN · 15 July 2010
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Passed House amended
summary · EN · 15 July 2010
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Reported in House (text)
Reported in House · EN · 26 May 2010
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Reported in House (PDF)
Reported in House · EN · 26 May 2010
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Reported to House with amendment(s)
summary · EN · 26 May 2010
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Introduced in House (text)
Introduced in House · EN · 22 April 2010
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Introduced in House (PDF)
Introduced in House · EN · 22 April 2010
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Introduced in House
summary · EN · 22 April 2010
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Vertaal dit document naar jouw taal. PoliticalRepo bewaart geen aparte kopie per EU-taal.
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Sponsors
- Rep. Waters, Maxine [D-CA-43] · D · Sponsor
- Rep. Frank, Barney [D-MA-4] · D · Sponsor
- Rep. Kanjorski, Paul E. [D-PA-11] · D · Sponsor
- Rep. Costello, Jerry F. [D-IL-12] · D · Sponsor
- Rep. Matsui, Doris O. [D-CA-7] · D · Sponsor
- Rep. Thompson, Bennie G. [D-MS-2] · D · Sponsor
- Rep. Murphy, Patrick J. [D-PA-8] · D · Sponsor
- Rep. Capps, Lois [D-CA-24] · D · Sponsor
- Rep. Cardoza, Dennis A. [D-CA-18] · D · Sponsor
- Rep. Hare, Phil [D-IL-17] · D · Sponsor
- Rep. Green, Al [D-TX-9] · D · Sponsor
- Rep. Sánchez, Linda T. [D-CA-38] · D · Sponsor
- Rep. Stark, Fortney Pete [D-CA-13] · D · Cosponsor
- Rep. Sires, Albio [D-NJ-13] · D · Cosponsor
- · ssbk00 · Standing
- · hsba00 · Standing
Related records
- related to → Providing for consideration of the bill (H.R. 5114) to extend the authorization for the national flood insurance program, to identify priorities essential to reform and ongoing stable functioning of the program, and for other purposes.
- amends ← An amendment numbered 6 printed in House Report 111-537 to require that the Government Accountability Office conduct a study on ways the private insurance market can contribute to insuring against flood damage; the impact on the National Flood Insurance Program if communities were to opt out; and the feasibility of regionalizing the National Flood Insurance Program so there is no cross-subsidization between regions.
- amends ← An amendment numbered 10 printed in House Report 111-537 to (1) permit federal grants to educate local real estate agents in communities participating in the NFIP regarding the program and the availability of coverage under the program for owners and renters of properties and (2) establish coordination and liaisons with such agents to facilitate purchase of coverage and increase awareness of flood risk reduction.
- amends ← An amendment numbered 9 printed in House Report 111-537 to require FEMA to notify a local television and radio station of proposed flood elevation determinations in addition to the current requirement of publication in a prominent local newspaper. Would also require FEMA to make such notifications for communities that have not yet been issued a Letter of Final Determination through the flood insurance map modernization process at the time of enactment.
- amends ← An amendment numbered 2 printed in House Report 111-537 to require the FEMA to annually submit a report (no later than December 31 of each calendar year) to Congress on the effectiveness of grants awarded to local government agencies, the activities conducted and the effect of such activities on the retention or acquisition of flood insurance coverage.
- amends ← An amendment numbered 3 printed in House Report 111-537 to provide that if the owner of any property located in an area described in section 102(i)(1) of the Flood Disaster Protection Act of 1973 obtains a letter of map amendment during the 5-year period for such area referred to in such section, FEMA shall reimburse such owner, or such entity or jurisdiction acting on such owners behalf, for any costs incurred in obtaining such letter.
- amends ← An amendment numbered 5 printed in House Report 111-537 to prohibit the Write Your Own insurance companies that contract with NFIP from excluding coverage of wind damage under their own policies solely because flooding also caused damage to the property. It would establish requirements for adjustment by WYO insurers when there are claims on the same property, from the same event, for flood damage covered by NFIP and for wind damage covered by the WYO insurer.
- amends ← An amendment numbered 1 printed in House Report 111-537 to (1) Phase out subsidized premiums for severe repetitive loss prope rties, substantially damaged or improved properties and policy holders who voluntarily allow flood coverage to lapse. (2) Clarify application of actuarial rate phase-in for pre-FIRM properties sold after enactment. (3) Provide preferred rate premium for properties participating in NFIP during newly established, 5-year delay in mandatory flood insurance purchase requirement. (4) Expand availability of installment premium payment program to all policyholders. (5) Clarify that the FEMA Director may work directly with property owners to make mitigation grants for certain repetitive loss properties where States or communities are either unable or unwilling to address repetitive loss issues with a property owner. (6) Allow commercial properties with swimming pools located below the base flood level to enclose those pools with breakaway walls outside of hurricane season. (7) Require FEMA to review mapping of surrounding properties following successful appeal of hazard designation in newly mapped areas. (8) Clarify ability of FEMA Administrator to use demolition and rebuilding as mitigation techniques. (9) Require study of the impact of working waterfronts on storm and flood risk. (10) Establish relevant flood insurance.related studies. (11) Conform rule writing and implementation of various provisions of bill. (12) Include other technical improvements.
- amends ← An amendment numbered 11 printed in House Report 111-537 to require all funds authorized under the Act to be expended in a manner consistent with the manual on Standards of Ethical Conduct for Employees of the Executive Branch.
Showing 9 of 12 related records.
Sources
PoliticalRepo is an index and interpretation layer, not the authoritative legal source.
- Official source: https://www.congress.gov/bill/111th-congress/house-bill/5114
- Open data entity: https://api.congress.gov/v3/bill/111/hr/5114
- us · 111-hr-5114 · source updated 7 April 2025