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United States · Law · HR

H.R. 3370 (113th)

Homeowner Flood Insurance Affordability Act of 2014

enactedUnited States· United States Congress· EN

Introduced

29 October 2013

Last action

21 March 2014 · President

Status

Became Public Law No: 113-89.

Sponsors

Rep. Grimm, Michael G. [R-NY-11], Rep. Waters, Maxine [D-CA-43], Rep. Richmond, Cedric L. [D-LA-2], Rep. Olson, Pete [R-TX-22], Rep. Palazzo, Steven M. [R-MS-4], Sen. Cassidy, Bill [R-LA], Rep. Matsui, Doris O. [D-CA-7], Sen. Cramer, Kevin [R-ND], Rep. Keating, William R. [D-MA-9], Rep. Ros-Lehtinen, Ileana [R-FL-27], Rep. Brown, Corrine [D-FL-5], Rep. Hinojosa, Ruben [D-TX-15], Rep. Meeks, Gregory W. [D-NY-5], Rep. McIntyre, Mike [D-NC-7], Rep. Nadler, Jerrold [D-NY-12], Rep. Nugent, Richard B. [R-FL-11], Rep. Scott, Robert C. "Bobby" [D-VA-3], Rep. Langevin, James R. [D-RI-2], Rep. Crowley, Joseph [D-NY-14], Rep. Moore, Gwen [D-WI-4], Rep. Thompson, Glenn [R-PA-15], Rep. Jones, Walter B., Jr. [R-NC-3], Sen. Welch, Peter [D-VT], Rep. Enyart, William L. [D-IL-12], Rep. LoBiondo, Frank A. [R-NJ-2], Rep. Lynch, Stephen F. [D-MA-8], Rep. Carney, John C., Jr. [D-DE-At Large], Rep. Scalise, Steve [R-LA-1], Rep. Culberson, John Abney [R-TX-7], Rep. Castor, Kathy [D-FL-14], Rep. Garcia, Joe [D-FL-26], Rep. Frankel, Lois [D-FL-22], Rep. Velázquez, Nydia M. [D-NY-7], Rep. Schakowsky, Janice D. [D-IL-9], Rep. King, Peter T. [R-NY-2], Rep. Pascrell, Bill, Jr. [D-NJ-9], Rep. Maloney, Carolyn B. [D-NY-12], Rep. Wilson, Frederica S. [D-FL-24], Rep. Vela, Filemon [D-TX-34], Rep. Stockman, Steve [R-TX-36], Rep. Boustany, Charles W., Jr. [R-LA-3], Rep. Fitzpatrick, Michael G. [R-PA-8], Rep. Davis, Rodney [R-IL-13], Rep. Perlmutter, Ed [D-CO-7], Rep. Whitfield, Ed [R-KY-1], Rep. McNerney, Jerry [D-CA-9], Rep. Murphy, Patrick [D-FL-18], Rep. Ellison, Keith [D-MN-5]

Subjects

Discovery layer

Source updated

5 December 2025

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Summary

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.

This text is taken from the official record. PoliticalRepo does not editorialize.

Timeline

  1. 29 October 2013

    Introduced

    Referred to the Committee on Financial Services, and in addition to the Committee on Rules, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

    Source: IntroReferral

  2. 29 October 2013

    Introduced

    Introduced in House

    Source: IntroReferral

  3. 29 October 2013

    Introduced

    Introduced in House

    Source: IntroReferral

  4. 4 March 2014

    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. 3370.

    Source: Floor

  5. 4 March 2014

    Vote

    On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required): 306 - 91 (Roll no. 91). (text: CR H2128-2132)

    Source: Floor

  6. 4 March 2014

    Vote

    Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required): 306 - 91 (Roll no. 91).(text: CR H2128-2132)

    Source: Floor

  7. 4 March 2014

    Floor

    Considered under suspension of the rules. (consideration: CR H2128-2139)

    Source: Floor

  8. 4 March 2014

    Vote

    At the conclusion of debate, the Yeas and Nays were demanded and ordered. Pursuant to the provisions of clause 8, rule XX, the Chair announced that further proceedings on the motion would be postponed.

    Source: Floor

  9. 4 March 2014

    Floor

    DEBATE - The House proceeded with forty minutes of debate on H.R. 3370.

    Source: Floor

  10. 4 March 2014

    Floor

    Mrs. Capito moved to suspend the rules and pass the bill, as amended.

    Source: Floor

  11. 5 March 2014

    Calendars

    Received in the Senate. Read the first time. Placed on Senate Legislative Calendar under Read the First Time.

    Source: Calendars

  12. 6 March 2014

    Calendars

    Read the second time. Placed on Senate Legislative Calendar under General Orders. Calendar No. 317.

    Source: Calendars

  13. 13 March 2014

    Floor

    Pursuant to the provisions of H. Con. Res. 93, enrollment corrections on H.R. 3370 have been made.

    Source: Floor

  14. 13 March 2014

    Floor

    Measure laid before Senate by unanimous consent. (consideration: S1627-1632)

    Source: Floor

  15. 13 March 2014

    Vote

    Passed/agreed to in Senate: Passed Senate, under the order of 3/13/2014, having received 60 votes in the affirmative, without amendment by Yea-Nay Vote. 72 - 22. Record Vote Number: 78.

    Source: Floor

  16. 18 March 2014

    Floor

    Presented to President.

    Source: Floor

  17. 18 March 2014

    President

    Presented to President.

    Source: President

  18. 21 March 2014

    Became law

    Became Public Law No: 113-89.

    Source: President

  19. 21 March 2014

    Became law

    Signed by President.

    Source: BecameLaw

  20. 21 March 2014

    President

    Signed by President.

    Source: President

Votes

13 March 2014 · Bill Passed · On Passage of the Bill H.R. 3370 · Bill Passed · Official source

Yes 72 · No 22 · Abstain — · Absent/not voting 6

Showing the first 4 recorded positions. Vote totals above are complete.

Versions

Documents

12 official files

Enrolled Bill (text)

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  • Enrolled Bill (text)

    Enrolled Bill · EN

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  • Enrolled Bill (PDF)

    Enrolled Bill · EN

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  • Public Law (text)

    Public Law · EN · 22 March 2014

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  • Public Law (PDF)

    Public Law · EN · 22 March 2014

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  • Public Law

    summary · EN · 21 March 2014

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  • Placed on Calendar Senate (text)

    Placed on Calendar Senate · EN · 6 March 2014

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  • Placed on Calendar Senate (PDF)

    Placed on Calendar Senate · EN · 6 March 2014

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  • Engrossed in House (text)

    Engrossed in House · EN · 4 March 2014

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  • Engrossed in House (PDF)

    Engrossed in House · EN · 4 March 2014

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  • Introduced in House (text)

    Introduced in House · EN · 29 October 2013

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  • Introduced in House (PDF)

    Introduced in House · EN · 29 October 2013

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  • Introduced in House

    summary · EN · 29 October 2013

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Sponsors

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