H.R. 3370: Homeowner Flood Insurance Affordability Act of 2013

Oct 29, 2013 (113th Congress, 2013–2015)
Signed by the President
74% chance of being enacted
Slip Law:
This bill became Pub.L. 113-89.
Michael Grimm
Representative for New York's 11th congressional district
Read Text »
Last Updated
Mar 15, 2014
17 pages
Related Bills
S. 1610 (identical)

Referred to Committee
Last Action: Oct 29, 2013

S. 1846 (Related)
Homeowner Flood Insurance Affordability Act of 2013

Reported by Committee
Last Action: Dec 18, 2013


This bill was enacted after being signed by the President on March 21, 2014.

Introduced Oct 29, 2013
Referred to Committee Oct 29, 2013
Passed House Mar 04, 2014
Passed Senate Mar 13, 2014
Signed by the President Mar 21, 2014

74% chance of being enacted.

Only about 23% of bills that made it past committee in 2011–2013 were enacted. [show factors | methodology]

Full Title

To delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012, and for other purposes.


No summaries available.

On Motion to Suspend the Rules and Pass, as Amended
Mar 04, 2014 6:56 p.m.
Passed 306/91
Mar 13, 2014 4:34 p.m.
Bill Passed 72/22

238 cosponsors (178D, 60R) (show)

House Financial Services

House Rules

The committee chair determines whether a bill will move past the committee stage.

Primary Source

THOMAS.gov (The Library of Congress)

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H.R. stands for House of Representatives bill.

A bill must be passed by both the House and Senate in identical form and then be signed by the president to become law.

GovTrack’s Bill Summary

We don’t have a summary available yet.

Library of Congress Summary

The summary below was written by the Congressional Research Service, which is a nonpartisan division of the Library of Congress.

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.

House Republican Conference Summary

The summary below was written by the House Republican Conference, which is the caucus of Republicans in the House of Representatives.

No summary available.

House Democratic Caucus Summary

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