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This bill requires the Federal Emergency Management Agency to establish a two-year pilot program allowing communities to purchase a single, community-wide flood insurance policy under the National Flood Insurance Program that covers all residential properties within participating communities. The pilot program is voluntary for communities, must include provisions for property mapping, eligibility verification, and coordination with private insurers and reinsurers to transfer risk. Communities may use existing flood mitigation assistance grant funds to help implement the community-based insurance policy.
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