as the Administrator determines are reasonably accurate, consistent, reliable, and available for such purposes. (2) Actuarial structures with hidden risks For any property with risk premium rates estimated under section 1307(a)(1), on or after January 1, 2021, the Administrator shall charge risk premium rates based on the current risk of flood reflected in the flood insurance rate map or comparable risk rating metric in effect at the time a policy is newly issued, unless the newly issued policy covers a property with continuous flood insurance coverage under this title, or upon the renewal of a policy. For all such policy renewals, the Administrator shall increase the risk premium rate in accordance with section 1308(e)(2) until the risk premium rate is equal to the risk of flood reflected in the flood insurance rate map or comparable risk rating metric in effect at the time of renewal. (3) Implementation The Administrator may implement this subsection without rulemaking, except that any such implementation shall include advance publication of notice in the Federal Register or advance notice by another comparable method, such as posting on an official website of the Administrator. (g) Availability of otherwise prohibited flood insurance during counter-Cyclical market adjustment (1) Authority Upon the effectiveness of a determination under paragraph (2) with respect to a geographical area, the Administrator may temporarily make available, for properties that are described in subparagraph (A) or (B), or both, of subsection (f)(1), and are located in such area, coverage for flood insurance under such Act, notwithstanding subsection (f), during the period that begins upon such determination and ends upon the termination date with respect to such period determined under paragraph (7) of this subsection. (2) Determination of market contraction A determination under this paragraph for a geographical area is a determination, made by the State insurance regulator for the affected geographical area, that the availability