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H.R. 3285 115th Congress House

Sustainable, Affordable, Fair, and Efficient (SAFE) National Flood Insurance Program Reauthorization Act of 2017

Official title: To reauthorize the National Flood Insurance Program, and for other purposes.

Introduced: July 18, 2017 Introduced by: Clay Higgins Republican · Louisiana See on congress.gov
Finance and Financial Sector Administrative law and regulatory proceduresAdministrative remediesAdvisory bodiesCivil actions and liability
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Congressional oversightDepartment of Homeland SecurityDisaster relief and insuranceEmergency planning and evacuationFederal Emergency Management Agency (FEMA)Floods and storm protectionGeography and mappingGovernment information and archivesGovernment lending and loan guaranteesGovernment studies and investigationsGovernment trust fundsInsurance industry and regulationInterest, dividends, interest ratesIntergovernmental relationsJudicial review and appealsLand use and conservationLegal fees and court costsPublic contracts and procurementReal estate businessResidential rehabilitation and home repairRoads and highwaysRural conditions and developmentSmall townsState and local government operationsUrban and suburban affairs and developmentUser charges and fees
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This bill died when the 115th Congress ended
It never became law before the 115th Congress (2017–2018) 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 3 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Jul 19, 2017
Referred to the Subcommittee on Economic Development, Public Buildings and Emergency Management.
Jul 18, 2017
Referred to the Committee on Financial Services, and in addition to the Committee on Transportation and Infrastructure, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Jul 18, 2017
Introduced in House
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 Latest action July 19, 2017

Referred to the Subcommittee on Economic Development, Public Buildings and Emergency Management.

 Plain-English summary Congressional Research Service

Sustainable, Affordable, Fair, and Efficient (SAFE) National Flood Insurance Program Reauthorization Act of 2017

This bill amends the National Flood Insurance Act of 1968 to extend through FY2023 the National Flood Insurance Program (NFIP).

NFIP policy coverage limits for residential and nonresidential buildings are increased.

NFIP premiums, surcharges, and fees may not be increased by more than 10% each year.

The Federal Emergency Management Agency (FEMA) must provide: (1) loans for mitigation projects, and (2) other financial assistance to qualified households for NFIP premium payments and mitigation projects.

The limitation on Increased Cost of Compliance (ICC) coverage (offered by NFIP to cover the cost of flood mitigation measures on certain structures) is increased to $100,000 and ICC eligibility is expanded.

This bill prevents the Department of the Treasury from charging interest to FEMA on amounts borrowed for NFIP through FY2023.

This bill directs FEMA to revise: (1) directives related to the Write Your Own program, (2) specified elements of the claims process, (3) the appeals process for claims and flood map determinations, and (4) certain flood risk zones.

FEMA must study business interruption coverage and participation rates in specified flood zones.

This bill also makes changes to: (1) FEMA's mitigation assistance programs, (2) the usage and collection of specified surcharges and fees, (3) the scope of coverage available under NFIP, (4) requirements of NFIP engineers and adjusters, and (5) regulations relating to the disclosure of flood risks on rental property.

This bill amends the Biggert-Waters Flood Insurance Reform Act of 2012 to reauthorize through FY2023 the National Flood Mapping Program.
 Related & companion bills 5
  • S 3628 National Flood Insurance Program Extension Act
  • S 3670 National Flood Insurance Program Extension Act of 2018
  • S 3703 NFIP Extension Act of 2018
  • S 2090 MEMA Act of 2017
  • S 1368 Sustainable, Affordable, Fair, and Efficient (SAFE) National Flood Insurance Program Reauthorization Act of 2017
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 3
 Cosponsors 7
All 7 Democratic 4 Republican 1
D
Lofgren, Zoe
California · Oct 2, 2017
 D
Norcross, Donald
New Jersey · Sep 13, 2017
Curbelo, Carlos
· Jul 25, 2017
Harper, Gregg
· Jul 18, 2017
 R
Johnson, Mike
Louisiana · Jul 18, 2017
 D
Pallone, Frank
New Jersey · Jul 18, 2017
 D
Watson Coleman, Bonnie
New Jersey · Jul 18, 2017
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 3285: Sustainable, Affordable, Fair, and Efficient (SAFE) National Flood Insurance Program Reauthorization Act of 2017. 115th Congress. Open America. https://openamerica.io/bill/115-HR-3285/
MLA
"H.R. 3285: Sustainable, Affordable, Fair, and Efficient (SAFE) National Flood Insurance Program Reauthorization Act of 2017." 115th Congress, 2026, Open America, https://openamerica.io/bill/115-HR-3285/.
Bluebook (legal)
H.R. 3285, 115th Cong. (2026), https://openamerica.io/bill/115-HR-3285/.
Markdown link
[H.R. 3285: Sustainable, Affordable, Fair, and Efficient (SAFE) National Flood Insurance Program Reauthorization Act of 2017](https://openamerica.io/bill/115-HR-3285/)
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