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This bill amends the National Flood Insurance Act of 1968 to expand voluntary buyout programs for homeowners in high-risk flood areas and to require communities with repetitive flooding problems to develop mitigation plans. The bill authorizes the Federal Insurance Administrator to offer buyouts to policyholders whose properties are repetitive loss structures, substantially damaged, or would file maximum claims, provided the local community agrees to take title and implement flood mitigation measures. It also requires communities with significant repetitive loss properties to identify repeatedly flooded areas, assess future flood risks, develop mitigation plans, and report progress to Congress, with federal assistance available including technical support and potential cost-share reductions.
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