--- title: "National Flood Insurance Program Reauthorization and Reform Act of 2021" identifier: "117-S-3128" congress: 117 bill_number: 3128 bill_type: "S" version_code: "is" version_type: "Introduced in Senate" bill_url: "https://chamberzero.com/congresses/117/bills/s/3128" source: "https://www.congress.gov/bill/117th-congress/senate-bill/3128" site: "Chamber Zero" site_url: "https://chamberzero.com" rendered_at: "2026-06-03T23:38:30.315Z" --- ## SEC. 1 Short title. [Read Section 1 →](/congresses/117/bills/s/3128/sections/1-section-one.md) ## SEC. 2 Table of contents. [Read Section 2 →](/congresses/117/bills/s/3128/sections/2.md) ## SEC. 3 Definitions. [Read Section 3 →](/congresses/117/bills/s/3128/sections/3.md) # TITLE I — Reauthorization and affordability ## SEC. 101 Reauthorization. [Read Section 101 →](/congresses/117/bills/s/3128/sections/TI-101.md) ## SEC. 102 Cap on annual premium increases. [Read Section 102 →](/congresses/117/bills/s/3128/sections/TI-102.md) ## SEC. 103 Targeted means-tested assistance. [Read Section 103 →](/congresses/117/bills/s/3128/sections/TI-103.md) ## SEC. 104 Optional monthly installment premium payment plans. [Read Section 104 →](/congresses/117/bills/s/3128/sections/TI-104.md) ## SEC. 105 Study on business interruption coverage. [Read Section 105 →](/congresses/117/bills/s/3128/sections/TI-105.md) ## SEC. 106 Cooperative coverage fairness. [Read Section 106 →](/congresses/117/bills/s/3128/sections/TI-106.md) ## SEC. 107 Coverage limits. [Read Section 107 →](/congresses/117/bills/s/3128/sections/TI-107.md) ## SEC. 108 Study on participation rates. [Read Section 108 →](/congresses/117/bills/s/3128/sections/TI-108.md) ## SEC. 109 National Flood Insurance Act definitions regarding the Write Your Own program. [Read Section 109 →](/congresses/117/bills/s/3128/sections/TI-109.md) # TITLE II — Mitigation and mapping ## SEC. 201 Mitigation for high-risk properties. [Read Section 201 →](/congresses/117/bills/s/3128/sections/TII-201.md) ## SEC. 202 Increased cost of compliance coverage. [Read Section 202 →](/congresses/117/bills/s/3128/sections/TII-202.md) ## SEC. 203 Flood mitigation assistance grants. [Read Section 203 →](/congresses/117/bills/s/3128/sections/TII-203.md) ## SEC. 204 Urban mitigation opportunities. [Read Section 204 →](/congresses/117/bills/s/3128/sections/TII-204.md) ## SEC. 205 Community Rating System Regional Coordinator. [Read Section 205 →](/congresses/117/bills/s/3128/sections/TII-205.md) ## SEC. 206 Mitigation loan program. [Read Section 206 →](/congresses/117/bills/s/3128/sections/TII-206.md) ## SEC. 207 Revolving loan funds. [Read Section 207 →](/congresses/117/bills/s/3128/sections/TII-207.md) ## SEC. 208 Mapping modernization. [Read Section 208 →](/congresses/117/bills/s/3128/sections/TII-208.md) ## SEC. 209 Levee-protected areas. [Read Section 209 →](/congresses/117/bills/s/3128/sections/TII-209.md) ## SEC. 210 Community-wide flood mitigation activities. [Read Section 210 →](/congresses/117/bills/s/3128/sections/TII-210.md) # TITLE III — Solvency ## SEC. 301 Forbearance on NFIP interest payments. [Read Section 301 →](/congresses/117/bills/s/3128/sections/TIII-301.md) ## SEC. 302 Cap on Write Your Own company compensation. [Read Section 302 →](/congresses/117/bills/s/3128/sections/TIII-302.md) ## SEC. 303 Third-party service provider costs; transparency. [Read Section 303 →](/congresses/117/bills/s/3128/sections/TIII-303.md) ## SEC. 304 Availability of NFIP claims data. [Read Section 304 →](/congresses/117/bills/s/3128/sections/TIII-304.md) ## SEC. 305 Refusal of mitigation assistance. [Read Section 305 →](/congresses/117/bills/s/3128/sections/TIII-305.md) ## SEC. 306 Multiple structure mitigation. [Read Section 306 →](/congresses/117/bills/s/3128/sections/TIII-306.md) # TITLE IV — Policyholder protection and fairness ## SEC. 401 Earth movement fix and engineer standards. [Read Section 401 →](/congresses/117/bills/s/3128/sections/TIV-401.md) ## SEC. 402 Coverage of pre-FIRM condominium basements and study on street raising. [Read Section 402 →](/congresses/117/bills/s/3128/sections/TIV-402.md) ## SEC. 403 Guidance on remediation and policyholder duties. [Read Section 403 →](/congresses/117/bills/s/3128/sections/TIV-403.md) ## SEC. 404 Appeal of decisions relating to flood insurance coverage. [Read Section 404 →](/congresses/117/bills/s/3128/sections/TIV-404.md) ## SEC. 405 Accountability for underpayments and overpayments by Write Your Own companies. [Read Section 405 →](/congresses/117/bills/s/3128/sections/TIV-405.md) ## SEC. 406 Policyholders’ right to know. [Read Section 406 →](/congresses/117/bills/s/3128/sections/TIV-406.md) ## SEC. 407 Exclusion of service providers from participation in the National Flood Insurance Program. [Read Section 407 →](/congresses/117/bills/s/3128/sections/TIV-407.md) ## SEC. 408 Deadline for claim processing. [Read Section 408 →](/congresses/117/bills/s/3128/sections/TIV-408.md) ## SEC. 409 No manipulation of engineer reports. [Read Section 409 →](/congresses/117/bills/s/3128/sections/TIV-409.md) ## SEC. 410 Improved training of floodplain managers, agents, and adjusters. [Read Section 410 →](/congresses/117/bills/s/3128/sections/TIV-410.md) ## SEC. 411 Flood insurance continuing education and training. [Read Section 411 →](/congresses/117/bills/s/3128/sections/TIV-411.md) ## SEC. 412 Shifting of attorney fees and other expenses. [Read Section 412 →](/congresses/117/bills/s/3128/sections/TIV-412.md) ## SEC. 413 Restriction on defense of claims litigation. [Read Section 413 →](/congresses/117/bills/s/3128/sections/TIV-413.md) ## SEC. 414 Reforming use of proof of loss forms. [Read Section 414 →](/congresses/117/bills/s/3128/sections/TIV-414.md) ## SEC. 415 Agent Advisory Council. [Read Section 415 →](/congresses/117/bills/s/3128/sections/TIV-415.md) ## SEC. 416 Disclosure of flood risk information prior to transfer of property. [Read Section 416 →](/congresses/117/bills/s/3128/sections/TIV-416.md)