Sec. 1. SHORT TITLE AND TABLE OF CONTENTS
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## SECTION 1 SHORT TITLE AND TABLE OF CONTENTS ###
(a)Short Title **[**[42 U.S.C. 4001 note](/us/usc/t42/s4001)**]** This Act may be cited as the “Homeowner Flood Insurance Affordability Act of 2014”. ###
(b)Table of Contents The table of contents for this Act is as follows: Sec. 1. Short title and table of contents. Sec. 2. Definitions. Sec. 3. Repeal of certain rate increases. Sec. 4. Restoration of grandfathered rates. Sec. 5. Requirements regarding annual rate increases. Sec. 6. Clarification of rates for properties newly mapped into areas with special flood hazards. Sec. 7. Premiums and reports. Sec. 8. Annual premium surcharge. Sec. 9. Draft affordability framework. Sec. 10. Risk transfer. Sec. 11. Monthly installment payment for premiums. Sec. 12. Optional high-deductible policies for residential properties. Sec. 13. Exclusion of detached structures from mandatory purchase requirement. Sec. 14. Accounting for flood mitigation activities in estimates of premium rates. Sec. 15. Home improvement fairness. Sec. 16. Affordability study and report. Sec. 17. Flood insurance rate map certification. Sec. 18. Funds to reimburse homeowners for successful map appeals. Sec. 19. Flood protection systems. Sec. 20. Quarterly reports regarding Reserve Fund ratio. Sec. 21. Treatment of floodproofed residential basements. Sec. 22. Exemption from fees for certain map change requests. Sec. 23. Study of voluntary community-based flood insurance options. Sec. 24. Designation of flood insurance advocate. Sec. 25. Exceptions to escrow requirement for flood insurance payments. Sec. 26. Flood mitigation methods for buildings. Sec. 27. Mapping of non-structural flood mitigation features. Sec. 28. Clear communications. Sec. 29. Protection of small businesses, non-profits, houses of worship, and residences. Sec. 30. Mapping. Sec. 31. Disclosure.
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Sec. 1
SHORT TITLE AND TABLE OF CONTENTS
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