1. Short title and table of contents (a) Short title This Act may be cited as the 21st Century Flood Reform Act . (b) Table of contents The table of contents for this Act is as follows: Sec. 1. Short title and table of contents. Title I—Policyholder protections and information Sec. 101. Annual limitation on premium increases. Sec. 102. Flood insurance affordability program. Sec. 103. Disclosure of premium methodology. Sec. 104. Consideration of coastal and inland locations in premium rates. Sec. 105. Monthly installment payment of premiums. Sec. 106. Enhanced clear communication of flood risks. Sec. 107. Availability of flood insurance information upon request. Title II—Increasing consumer choice through private market development Sec. 201. Elimination of non-compete requirement. Sec. 202. Public availability of program information. Sec. 203. Refund of premiums upon cancellation of policy because of replacement with private flood insurance. Sec. 204. GAO study of flood damage savings accounts. Sec. 205. Demonstration program for flood damage savings accounts. Title III—Mapping fairness Sec. 301. Use of other risk assessment tools in determining premium rates. Sec. 302. Appeals regarding existing flood maps. Sec. 303. Appeals and publication of projected special flood hazard areas. Sec. 304. Communication and outreach regarding map changes. Title IV—Protecting consumers and individuals through improved mitigation Sec. 401. Provision of Community Rating System premium credits to maximum number of communities practicable. Title V—Program integrity Sec. 501. Independent actuarial review. Sec. 502. Adjustments to homeowner flood insurance affordability surcharge. Sec. 503. National Flood Insurance Reserve Fund compliance. Sec. 504. Designation and treatment of multiple-loss properties. Sec. 505. Elimination of coverage for properties with excessive lifetime claims. Sec. 506. Addressing tomorrow’s high-risk structures today. Sec. 507. Allowance for Write Your Own companies. Sec. 508. Enforcement of mandatory purchase