; (B) in paragraph (4), by striking described under paragraph (3). and inserting estimated under section 1307(a)(1); and ; and (C) by adding at the end the following new paragraph: (5) the chargeable risk premium rates for flood insurance under this title for any properties described in subparagraph (F) of section 1307(a)(2) shall be increased by not less than 15 percent each year, until the average risk premium rate for such properties is equal to the average of the risk premium rates for properties estimated under section 1307(a)(1). . (d) Minimum deductibles for certain multiple-Loss properties (1) Clerical amendment The National Flood Insurance Act of 1968 is amended— (A) by transferring subsection (b) of section 1312 ( 42 U.S.C. 4019(b) ) to 1306 ( 42 U.S.C. 4013 ), inserting such subsection at the end of such section, and redesignating such subsection as subsection (e)