S. 3994: Flood Insurance Affordability and Risk Notification Act

111th Congress · introduced 2010-12-01 · Emergency Management · Latest: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

federal

Follow this bill, step by step

Where it came from: introduced 2010-12-01 · official record
Who proposed it: Sen. Durbin, Richard J. [D-IL] · what a sponsor is
What happened next: no floor votes in our records yet. Why?
Where it stands now: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. Not final yet: this can still change. We check for updates every day.
If it becomes law and spends money: follow the money to money laws, then agencies and contracts and grants.

What does this mean?

Official title

Flood Insurance Affordability and Risk Notification Act

Plain summary

Flood Insurance Affordability and Risk Notification Act - Amends the Flood Disaster Protection Act of 1973 to delay, for a five-year period, the effective date for the mandatory purchase of flood insurance for certain new flood hazard areas not previously designated as having special flood hazards (with "100-year floodplains"). Limits such delay to geographic areas whose state or local governments have developed an evacuation plan and implemented an outreach and communication plan to advise occupants of flood risks and evacuation routes. Makes the preferred risk rate method premium available for flood insurance coverage for properties located in such areas during such five-year time period. Amends the National Flood Insurance Act of 1968 to set forth a five-year phase-in of flood insurance rates for newly mapped areas not previously designated as having special flood hazards. Directs the Administrator of the Federal Emergency Management Agency (FEMA) to: (1) work to enhance communication and outreach to states, local communities, and property owners about the effects of any potential changes or updates to National Flood Insurance Program rate maps, including their effects on flood insurance purchase requirements; (2) engage with local communities to enhance communication and outreach to their residents; and (3) make certain information available to the public on the FEMA website, including information on the availability and cost of flood insurance.

Congressional Research Service summary (Introduced in Senate), quoted unchanged (nonpartisan). Read the source.

What a vote does

A “Yea” vote

If it passes both chambers and is signed, it becomes law.

A “Nay” vote

If it is not passed, current law stays as it is.

PSI Sci description of the legislative step (not an opinion).

What does this mean? (plain words)

Official text

Flood Insurance Affordability and Risk Notification Act

Source: Congressional Research Service summary (Introduced in Senate)

AI explanation – may be wrong, check the official text

No AI explanation yet. It takes up to a minute to write and is then saved for everyone.

Limited to a few requests an hour per person.

The strongest published arguments

Arguments for (supporters)

Needs sources: no published arguments on this side yet. We only show items backed by a published source. Suggest one.

Arguments against (opponents)

Needs sources: no published arguments on this side yet. We only show items backed by a published source. Suggest one.

Alternatives

Needs sources: no published alternatives yet (for example a different bill, a law instead of an amendment, or keeping current law). We only show items backed by a published source. Suggest one.

How did my representative vote? · This bill's floor votes

Officials and money

Sponsor: Sen. Durbin, Richard J. [D-IL] · 1 cosponsors

Cost estimate: No cost estimate published yet.

Cosponsors on this site

Charles E. Schumer (D-NY)

Sponsor's campaign money: Sen. Durbin, Richard J. [D-IL] reported raising $84,084 (2025–2026). Details. Shown for context only; it does not mean any donor supported this bill.

No linked floor roll calls in our collected records yet. This does not mean the bill has never had a vote. Check the official bill history.

Sources

Congressional Research Service summary (Introduced in Senate)
Congress.gov
Data: GovInfo BILLSTATUS bulk data (Library of Congress), BILLSTATUS-111s3994.xml <https://www.govinfo.gov/bulkdata/BILLSTATUS/111/s>

Record fed-us-cong111-s3994 · catalog fed-us-congress-bills-cong111 · updated 2026-11-15 by psicol fed-bills-cong111