828 



(C) In the case of church properties and any 

 other properties which may become eligible for 

 flood insurance under section 4012 of this title — 

 (i) $100,000 aggregate liability for any sin- 

 gle structure, and 



(ii) $100,000 aggregate liability per unit for 

 any contents related to such unit; and 

 (2) any flood insurance coverage which may 

 be made available in excess of any of the limits 

 specified in subparagraph (A), (B), or (C) of 

 paragraph (1) (or allocated to any person under 

 subparagraph (B) of such paragraph) shall be 

 based only on chargeable premium rates under 

 section 4015 of this title which are not less than 

 the estimated premium rates under section 4014 

 (a) (1) of this title, and the amoimt of such excess 

 coverage shall not in any case exceed an amoimt 

 which is equal to the applicable limit so specified 

 (or allocated). 



(As amended Pub. L. 92-213, § 2(c) (2), Dec. 22, 1971, 

 85" Stat. 775; Pub. L. 93-234. title I, § 101. Dec. 31, 

 1973, 87 Stat. 977.) 



Amendments 

 1973— Subsec. (b)(1)(A). Pub. L. 93-234, § 101(a). In 

 Increasing limits of coverage, deleted followlnfr l-^trnriuc- 

 tory text "residential properties" thie'clause 'wiiuh are 

 designed for the occupancy of from one to four families"; 

 svibstituted provisions In cl. (1) "$35,000 aggregate liability 

 for any single-family dwelling, and $100,000 for any resi- 

 dential structure containing more than one dwelling unit" 

 for "$17,500 aggregate liability for any dwelling unit, and 

 $30,000 for any single dwelling structure containing more 

 than one dwelling unit"; Increased cl. (11) limits to $10,000 

 from $5,000 and added cl. (Ill) . 



Subsec. (b)(1)(B). Pub. L. 93-234, § 101(b), substi- 

 tuted "$100,000" for "$30,000" In cl. (1), for "$5,000" In 

 cl. ( il ) , and for "$30,000" in exception provision. 



Subsec. (b)(1)(C). Pub. L. 93-234, § 101(c), increased 

 cl. (1) limits to $100,000 from $30,000 and substituted cl. 

 (ii) "$100,000 aggregate liability per unit tor any con- 

 tents related to such unit" for "$5,000 aggregate liability 

 per dwelling unit for any contents related to such unii in 

 the case of residential properties, or per occupant (as 

 that term Is defined by the Secretary) for any contents re- 

 lated to the premises occupied in the case of any other 

 properties." 



1971— Subsec. (b)(1)(C). Pub. L. 92-213 Inserted 

 "church properties, and" preceding "any other properties 

 which may become". 



§ 4014. Estimates of premium rates, 

 (a) Studies and investigations. 



The Secretary is authorized to undertake and 

 carry out such studies and investigations and receive 

 or exchange such information as may be necessary 

 to estimate, and shall from time to time estimate, 

 on an area, subdivision, or other appropriate basis — 



■ (1) the risk premium rates for flood insurance 



which — 



(A) based on consideration of the risk in- 

 volved and accepted actuarial principles, and 



(B) including — 



(i) the applicable operating costs and al- 

 lowances set forth in the schedules prescribed 

 under section 4018 of this title and reflected in 

 such rates, and 



(ii) any administrative expenses (or por- 

 tion of such expenses) of carrying out the 



flood insurance program which, in his discre- 

 tion, should properly be reflected in such 

 rates, 

 would be required in order to make such insur- 

 ance available on an actuarial basis for any types 

 and classes of properties for which insurance 

 coverage is available under section 4012(a) of 

 this title (or is recommended to the Congress 

 under section 4012(b) of this title) ; 



(2) the rates, if less than the rates estimated 

 under paragraph ( 1 ) , which would be reasonable, 

 would encourage prospective insureds to purchase 

 flood insurance, and would be consistent with 

 the purposes of tliis chapter ; and 



(3) the extent, if any, to which federally as- 

 sisted or other flood protection measures initiated 

 after August 1, 1968, aSect such rates. 



(b) Utilization of services of other Departments and 

 agencies. 



In carrying out subsection (a) of this section, the 

 Secretary shall, to the maximum extent feasible 

 and on a reimbursement basis, utilize the services of 

 the Department of the Army, the Department of the 

 Interior, the Department of Agriculture, the Depart- 

 ment of Commerce, and the Tennessee Valley Au- 

 thority, and, as appropriate, other Federal depart- 

 ments or agencies, and for such purposes may enter 

 into agreements or other appropriate arrangements 

 with any persons. 



(c) Priority to studies and investigations in States or 

 areas evidencing positive interest in securing in- 

 surance under program. 



The Secretary shall give priority to conducting 

 studies and investigations and making estimates 

 under this section in those States or areas (or sub- 

 divisions thereof) which he has determined have 

 evidenced a positive interest in securing flood insur- 

 ance coverage under the flood insurance program. 



(d) Parishes of Louisiana; premium rates. 



Notwithstanding any other provision of law, any 

 structure existing on December 31, 1973, and located 

 within Avoyelles, Evangeline, Rapides, or Saint Lan- 

 dry Parish in the State of Louisiana, which the Sec- 

 retary determines is subject to additional flood haz- 

 ards as a result of the construction or operation of 

 the Atchafalaya Basin Levee System, shall be eligible 

 for flood insurance under this chapter (if and to the 

 extent it is eligible for such insurance under the 

 other provisions of this chapter) at premium rates 

 that shall not exceed those which wou'.d be appli- 

 cable if such additional hazards did not exist. (As 

 cable if such additional hazards did net exist. 



(e) Eligibility of community making adequate prog- 

 ress on construction of f?(.od protection system 

 for rates not exceeding those applicable to com- 

 pleted flood protection system; determination of 

 adequate progress. 



Notwithstanding any other provision of law, any 

 commimity that has made adequate progress, accept- 

 able to the Secretary, on the construction of a flood 

 protection system which will afford flood protection 

 for the one-hundred year frequency flood as deter- 

 mined by tlie Secretary, shall be eligible for flood 

 insurance under this chapter (if and to the extent it 

 is eligible for such insurance under the ether provi- 



