Flood Insurance Reform Priorities Act of 2011
Latest action. Referred to the subcommitteeA smaller panel inside a standing committee with jurisdiction over a slice of its subject matter. Most hearings and the first markup usually happen here.Read the full definition (opens a new tab) on Insurance, Housing and Community Opportunity.
Flood Insurance Reform Priorities Act of 2011 - Amends the National Flood Insurance Act of 1968 (NFIA) to extend through FY2016 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 for five years 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.
Raises the annual limitation on premium increases.
Considers any community that has made adequate progress 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.
Requires the availability of flood insurance coverage at discounted premiums for areas protected by a flood-protection system that does not provide protection against a 100-year frequency flood.
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.
Prescribes minimum annual deductibles for damage or loss to pre-Flood Insurance Rate Map (pre-FIRM) structures (neither constructed nor substantially improved after the later of December 31, 1974, or the effective date of the initial rate map published under NFIA for the area in which such a structure is located) as well as lower minimum annual deductibles for post-FIRM structures.
Requires termination of force-placed insurance after confirmation of a borrower's existing flood insurance coverage.
The summary continues for 7 more paragraphs. Read it in full on Congress.gov
Written by analysts at the Congressional Research Service and published on Congress.gov, not by Civibrief. Summarized at the "Introduced in House" stage on March 10, 2011. It describes the bill, it is not the legal text.
Where is it in the process, and what happens next?
4 steps remain before this bill could become law.
The record's latest action, on April 4, 2011: Referred to the Subcommittee on Insurance, Housing and Community Opportunity.
- Clearing the committees it was referred to, and being scheduled for a floor vote
- Passage by the House
- Passage by the Senate
- The President's signature. If the President vetoes it, two-thirds of both chambers must vote to override.
How likely is it to become law?
Civibrief does not forecast outcomes and this page has no opinion about this one. What the record supports is a base rate, which is a fact about the whole pile, not a prediction about this measure.
In the 112th Congress (2011-12), 283 of the 10,618 bills and joint resolutions introduced became law, about 2.7 percent. That count covers every measure at every stage, including the many that never left committee.
This one is not there yet: 4 steps are still outstanding, listed above.
Has anyone actually voted on it?
No. No roll call in this Congress cites this measure. That is the ordinary outcome: most measures never reach a recorded floor vote, and a committee ends most of them simply by not acting.
A vote is not the only thing that happens to a measure. Hearings, markups, and referrals are all recorded actions, and none of them is a vote of the full chamber.
Who is behind it?
MAXINE WATERS (D-CA) introduced it on March 10, 2011, and 7 members have since signed on as cosponsors.
They are 7 Democrats.
Cosponsoring is a formal signature on the text. It is not a commitment to vote for the measure, it does not bind anyone's party, and a long list of cosponsors is a measure of attention rather than of prospects.
How long has it been in play?
It was introduced on March 10, 2011, 5663 days ago. The most recent recorded action was 5638 days ago, on April 4, 2011.
Measures do not carry over. Anything the 112th Congress has not finished by January 3, 2013 dies when the term ends, and has to be introduced again from the start in the next Congress.
Every answer above is assembled from this measure's own record on Congress.gov and from published counts of what Congress has passed before. Civibrief does not predict outcomes and takes no position on any measure.
Vote history
- HouseIn committee, no floor vote yet
- SenateAwaits House passage
- PresidentAwaits both chambers