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S 1610 113th Congress Senate Emergency Management Congressional oversight Department of Homeland Security Disaster relief and insurance Emergency planning and evacuation Executive agency funding and structure Federal Emergency Management Agency (FEMA) Floods and storm protection Government studies and investigations Legislative rules and procedure Residential rehabilitation and home repair

Homeowner Flood Insurance Affordability Act of 2013

Introduced: October 29, 2013 See on congress.gov
This bill died when the 113th Congress ended
It never became law before the 113th Congress (2013–2014) 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 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Oct 29, 2013
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Oct 29, 2013
Introduced in Senate
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 Plain-English summary Congressional Research Service

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.

What's happening now October 29, 2013

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

 Related & companion bills 6
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
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APA
U.S. Congress. (2026). S. 1610: Homeowner Flood Insurance Affordability Act of 2013. 113th Congress. Open America. https://openamerica.io/bill/113-S-1610/
MLA
"S. 1610: Homeowner Flood Insurance Affordability Act of 2013." 113th Congress, 2026, Open America, https://openamerica.io/bill/113-S-1610/.
Bluebook (legal)
S. 1610, 113th Cong. (2026), https://openamerica.io/bill/113-S-1610/.
Markdown link
[S. 1610: Homeowner Flood Insurance Affordability Act of 2013](https://openamerica.io/bill/113-S-1610/)
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