{"id":2472,"date":"2014-01-17T10:13:56","date_gmt":"2014-01-17T15:13:56","guid":{"rendered":"http:\/\/blogs.law.columbia.edu\/climatechange\/?p=2472"},"modified":"2014-01-17T10:13:56","modified_gmt":"2014-01-17T15:13:56","slug":"temporary-delay-of-flood-insurance-premium-increases-inserted-into-omnibus-budget-bill","status":"publish","type":"post","link":"https:\/\/blogs.law.columbia.edu\/climatechange\/2014\/01\/17\/temporary-delay-of-flood-insurance-premium-increases-inserted-into-omnibus-budget-bill\/","title":{"rendered":"Temporary Delay of Flood Insurance Premium Increases Inserted into Omnibus Budget Bill"},"content":{"rendered":"
<\/div>

Ethan I. Strell, Esq.
\nAssociate Director & Fellow
\nColumbia Center for Climate Change Law<\/i><\/p>\n

Earlier this week, the House of Representatives overwhelmingly approved a massive 1582-page, over $1 trillion consolidated appropriations bill.\u00a0 On page 706 of the current version of the bill, a one-sentence rider was inserted that would delay through next September implementation of one aspect of flood insura\"Hurricane<\/a>nce reform enacted in the Biggert-Waters Flood Insurance Reform Act of 2012.<\/p>\n

Biggert-Waters, in addition to reauthorizing and funding the flood insurance program for five years, requiring better flood mapping, and requiring FEMA to undertake various studies, also required that subsidized and grandfathered premiums be phased out, and that property owners begin to pay the true risk-based premium for their flood insurance.[1]<\/a><\/p>\n

The amendment in the current spending bill, sponsored by Representative Bill Cassidy of Louisiana, delays through the end of the fiscal year just the portion of Biggert-Waters addressing premium increases due to re-mapping.\u00a0 The amendment reads in full as follows:<\/p>\n

Sec. 572.\u00a0 None of the funds made available in this Act may be used to implement, carry out, administer, or enforce section 1308(h) of the National Flood Insurance Act of 1968 (42 U.S.C. 4015(h)).[2]<\/a><\/p><\/blockquote>\n

42 U.S.C. 4015(h), which was part of Biggert-Waters, requires an adjustment to a risk-based premium for properties in areas where the FIRM has been revised.\u00a0 Such increases were to be phased in over five years, at 20% each year.<\/p>\n

Although the delay in the spending bill is only effective through the end of September when the federal fiscal year ends, the delay in the implementation of this reform will likely be longer, since FEMA will need time to begin work on its implementation through regulations and guidance.<\/p>\n

In add\"US_Capitol_DC_2007\"<\/a>ition to the partial delay inserted into the omnibus spending bill, other legislation has been introduced in Congress to more substantially delay implementation of Biggert-Waters reforms, notably a bill entitled the \u201cHomeowner Flood Insurance Affordability Act,\u201d sponsored by Senators Robert Menendez (D-NJ), Johnny Isakson (R-GA), and Mary Landrieu (D-LA).<\/p>\n

<\/p>\n
\n
\n

[1]<\/a> \u201cSubsidized\u201d properties are those that were built before a flood insurance rate map (or FIRM) was in place for that location, generally in the 1970s or ’80s. \u201cGrandfathered\u201d properties were built in compliance with an existing flood map at the time, but those maps have since been revised, putting those properties in a higher risk area.\u00a0 Biggert-Waters phases out discounts for subsidized and grandfathered properties.<\/p>\n<\/div>\n

\n

[2]<\/a> Rules Committee Print 113-32, House Amendment to the Senate Amendment to the Text of H.R. 3547, January 13, 2014, available at https:\/\/docs.house.gov\/billsthisweek\/20140113\/CPRT-113-HPRT-RU00-h3547-hamdt2samdt_xml.pdf<\/a>.<\/span><\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Ethan I. Strell, Esq. Associate Director & Fellow Columbia Center for Climate Change Law Earlier this week, the House of Representatives overwhelmingly approved a massive 1582-page, over $1 trillion consolidated appropriations bill.\u00a0 On page 706 of the current version of the bill, a one-sentence rider was inserted that would delay through next September implementation of […]<\/p>\n","protected":false},"author":953,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[642,9315,6897],"tags":[],"class_list":{"0":"post-2472","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-congress","7":"category-fema","8":"category-natural-disaster-response","9":"czr-hentry"},"yoast_head":"\nTemporary Delay of Flood Insurance Premium Increases Inserted into Omnibus Budget Bill - Climate Law Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blogs.law.columbia.edu\/climatechange\/2014\/01\/17\/temporary-delay-of-flood-insurance-premium-increases-inserted-into-omnibus-budget-bill\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Temporary Delay of Flood Insurance Premium Increases Inserted into Omnibus Budget Bill - Climate Law Blog\" \/>\n<meta property=\"og:description\" content=\"Ethan I. Strell, Esq. Associate Director & Fellow Columbia Center for Climate Change Law Earlier this week, the House of Representatives overwhelmingly approved a massive 1582-page, over $1 trillion consolidated appropriations bill.\u00a0 On page 706 of the current version of the bill, a one-sentence rider was inserted that would delay through next September implementation of […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/blogs.law.columbia.edu\/climatechange\/2014\/01\/17\/temporary-delay-of-flood-insurance-premium-increases-inserted-into-omnibus-budget-bill\/\" \/>\n<meta property=\"og:site_name\" content=\"Climate Law Blog\" \/>\n<meta property=\"article:published_time\" content=\"2014-01-17T15:13:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/blogs.law.columbia.edu\/climatechange\/files\/2014\/01\/Hurricane_Isabel_flood_water-300x176.jpg\" \/>\n<meta name=\"author\" content=\"Ethan Strell\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@sabincenter\" \/>\n<meta name=\"twitter:site\" content=\"@sabincenter\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ethan Strell\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/blogs.law.columbia.edu\/climatechange\/2014\/01\/17\/temporary-delay-of-flood-insurance-premium-increases-inserted-into-omnibus-budget-bill\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/blogs.law.columbia.edu\/climatechange\/2014\/01\/17\/temporary-delay-of-flood-insurance-premium-increases-inserted-into-omnibus-budget-bill\/\"},\"author\":{\"name\":\"Ethan Strell\",\"@id\":\"https:\/\/blogs.law.columbia.edu\/climatechange\/#\/schema\/person\/123b22fe82cb517e78ee388c23a978b0\"},\"headline\":\"Temporary Delay of Flood Insurance Premium Increases Inserted into Omnibus Budget Bill\",\"datePublished\":\"2014-01-17T15:13:56+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/blogs.law.columbia.edu\/climatechange\/2014\/01\/17\/temporary-delay-of-flood-insurance-premium-increases-inserted-into-omnibus-budget-bill\/\"},\"wordCount\":439,\"commentCount\":1,\"publisher\":{\"@id\":\"https:\/\/blogs.law.columbia.edu\/climatechange\/#organization\"},\"image\":{\"@id\":\"https:\/\/blogs.law.columbia.edu\/climatechange\/2014\/01\/17\/temporary-delay-of-flood-insurance-premium-increases-inserted-into-omnibus-budget-bill\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/blogs.law.columbia.edu\/climatechange\/files\/2014\/01\/Hurricane_Isabel_flood_water-300x176.jpg\",\"articleSection\":[\"Congress\",\"FEMA\",\"Natural Disaster Response\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/blogs.law.columbia.edu\/climatechange\/2014\/01\/17\/temporary-delay-of-flood-insurance-premium-increases-inserted-into-omnibus-budget-bill\/\",\"url\":\"https:\/\/blogs.law.columbia.edu\/climatechange\/2014\/01\/17\/temporary-delay-of-flood-insurance-premium-increases-inserted-into-omnibus-budget-bill\/\",\"name\":\"Temporary Delay of Flood Insurance Premium Increases Inserted into Omnibus Budget Bill - 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