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H.R. 253 108th Congress House

Flood Insurance Reform Act of 2003

Official title: To amend the National Flood Insurance Act of 1968 to reduce losses to properties for which repetitive flood insurance claim payments have been made.

Introduced: January 8, 2003 See on congress.gov
Emergency Management AuthorizationCommemorationsCost effectivenessData banks
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Dikes (Engineering)Disaster insuranceDisaster reliefEconomics and Public FinanceElectronic government informationFederal-local relationsFederal-state relationsFinance and Financial SectorFlood controlFlood damage preventionFloodsGovernment Operations and PoliticsGovernment paperworkGovernment trust fundsGrants-in-aidHistoric sitesHistoryHousing and Community DevelopmentInsurance premiumsLand subsidenceLand transfersLand useLandslidesMobile homesOpen space landsPublic Lands and Natural ResourcesReal estate appraisalRecreation areasRelocationScience, Technology, CommunicationsWater Resources DevelopmentWetlands
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This bill died when the 108th Congress ended
It never became law before the 108th Congress (2003–2004) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 17 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Dec 9, 2003
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Nov 21, 2003
Received in the Senate.
Nov 20, 2003
Motion to reconsider laid on the table Agreed to without objection.
Nov 20, 2003
On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required): 352 - 67 (Roll no. 655). (text: CR H11833-11835)
Nov 20, 2003
Considered as unfinished business. (consideration: CR H11844)
Nov 20, 2003
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.
Nov 20, 2003
DEBATE - The House proceeded with forty minutes of debate on H.R. 253.
Nov 20, 2003
Considered under suspension of the rules. (consideration: CR H11833-11842)
Nov 20, 2003
Mr. Ney moved to suspend the rules and pass the bill, as amended.
Sep 5, 2003
Placed on the Union Calendar, Calendar No. 152.
Sep 5, 2003
Reported (Amended) by the Committee on Financial Services. H. Rept. 108-266.
Jul 23, 2003
Ordered to be Reported (Amended) by Voice Vote.
Jul 23, 2003
Committee Consideration and Mark-up Session Held.
Jul 23, 2003
Subcommittee on Housing and Community Opportunity Discharged.
Feb 27, 2003
Referred to the Subcommittee on Housing and Community Opportunity.
Jan 8, 2003
Referred to the House Committee on Financial Services.
Jan 8, 2003
Introduced in House
 Votes taken on this bill 1
DateChamberWhat was voted onResultYes–No
Nov 20, 2003 House · vote #655 On Motion to Suspend the Rules and Pass, as Amended Passed 352–67 See who voted →
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 Latest action December 9, 2003

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

 Plain-English summary Congressional Research Service
Two Floods and You Are Out of the Taxpayers' Pocket Act of 2003 - Amends the National Flood Insurance Act of 1968 to require the Director of the Federal Emergency Management Agency, in awarding grants for mitigation activities, to give priority to properties for which repetitive flood insurance claim payments (as specified by this Act) have been made. Authorizes the Director to waive mitigation assistance limits when the State or community has repetitive insurance claims properties and such waiver is cost-effective and in the best interests of the National Flood Insurance Fund.

Increases amounts credited to the National Flood Mitigation Fund from the National Flood Insurance Fund, such amounts to be used only for repetitive insurance claims properties.

Extends through FY 2007 the authority to enter into flood insurance contracts and the authorization of appropriations for the national flood insurance program.

Provides chargeable national flood insurance premium rates for: (1) repetitive insurance claims properties; and (2) certain coastal and river properties leased from the Government. Authorizes annual premium increases with respect to such properties.

Amends the National Flood Insurance Reform Act of 1994 to prohibit Federal disaster relief assistance from being used for repair, replacement, or restoration of any property in the area for which: (1) repetitive claim payments have been made; and (2) Federal mitigation assistance has been offered to, but refused by, the property owner.

Authorizes the Director to provide for funding for mitigation actions that reduce flood damages to repetitive insurance claims properties, under certain conditions. Provides funding for such assistance from the National Flood Insurance Fund.

 Related & companion bills 1
  • S 2238 Bunning-Bereuter-Blumenaur Flood Insurance Reform Act of 2004
 Bill text 4 versions

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
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APA
U.S. Congress. (2026). H.R. 253: Flood Insurance Reform Act of 2003. 108th Congress. Open America. https://openamerica.io/bill/108-HR-253/
MLA
"H.R. 253: Flood Insurance Reform Act of 2003." 108th Congress, 2026, Open America, https://openamerica.io/bill/108-HR-253/.
Bluebook (legal)
H.R. 253, 108th Cong. (2026), https://openamerica.io/bill/108-HR-253/.
Markdown link
[H.R. 253: Flood Insurance Reform Act of 2003](https://openamerica.io/bill/108-HR-253/)
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