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H.R. 3959 110th Congress House

To amend the National Flood Insurance Act of 1968 to provide for the phase-in of actuarial rates for certain pre-FIRM properties.

Introduced: October 24, 2007 See on congress.gov
Emergency Management Disaster insuranceFinance and Financial SectorFloodsHousing and Community Development
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Insurance premiumsSingle family housing
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This bill died when the 110th Congress ended
It never became law before the 110th Congress (2007–2008) 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 13 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Jan 24, 2008
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Jan 23, 2008
Motion to reconsider laid on the table Agreed to without objection.
Jan 23, 2008
On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H412-413)
Jan 23, 2008
Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote.(text: CR H412-413)
Jan 23, 2008
DEBATE - The House proceeded with forty minutes of debate on H.R. 3959.
Jan 23, 2008
Considered under suspension of the rules. (consideration: CR H412-413)
Jan 23, 2008
Mr. Frank (MA) moved to suspend the rules and pass the bill, as amended.
Jan 16, 2008
Placed on the Union Calendar, Calendar No. 311.
Jan 16, 2008
Reported (Amended) by the Committee on Financial Services. H. Rept. 110-510.
Oct 31, 2007
Ordered to be Reported (Amended) by Voice Vote.
Oct 31, 2007
Committee Consideration and Mark-up Session Held.
Oct 24, 2007
Referred to the House Committee on Financial Services.
Oct 24, 2007
Introduced in House
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 Latest action January 24, 2008

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

 Plain-English summary Congressional Research Service

Amends the National Flood Insurance Act of 1968 (Act) to provide for phased-in actuarial premium rates for recently purchased pre-FIRM single family properties used as a principal residence and purchased for at least $600,000.

(A pre-FIRM structure is one that was not constructed or substantially improved after the later of: (1) December 31, 1974; or (2) the effective date of the initial rate map published by the Director of the Federal Emergency Management Agency (FEMA) under the National Flood Insurance Act of 1968 for the area in which such structure is located.)

Declares January 1, 2011, the effective date of this Act.

Sets forth transition provisions under which the Director of the Federal Emergency Management Agency (FEMA) is instructed to increase annually the chargeable premium rates for certain properties covered under the national flood insurance program if those rates are less than the applicable estimated risk premium rates.

 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. 3959: To amend the National Flood Insurance Act of 1968 to provide for the phase-in of actuarial rates for certain pre-FIRM properties.. 110th Congress. Open America. https://openamerica.io/bill/110-HR-3959/
MLA
"H.R. 3959: To amend the National Flood Insurance Act of 1968 to provide for the phase-in of actuarial rates for certain pre-FIRM properties.." 110th Congress, 2026, Open America, https://openamerica.io/bill/110-HR-3959/.
Bluebook (legal)
H.R. 3959, 110th Cong. (2026), https://openamerica.io/bill/110-HR-3959/.
Markdown link
[H.R. 3959: To amend the National Flood Insurance Act of 1968 to provide for the phase-in of actuarial rates for certain pre-FIRM properties.](https://openamerica.io/bill/110-HR-3959/)
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