1. Short title This Act may be cited as the State Flood Mitigation Revolving Fund Act of 2019 . 2. State revolving loan funds for flood mitigation (a) In general Chapter I of the National Flood Insurance Act of 1968 ( 42 U.S.C. 4011 et seq.) is amended by adding at the end the following: 1326. State revolving loan funds for flood mitigation (a) Definitions In this section: (1) Community rating system The term Community Rating System means the community rating system program carried out under section 1315(b). (2) Eligible state The term eligible State means a State, the District of Columbia, and the Commonwealth of Puerto Rico. (3) Insular area The term insular area means— (A) Guam; (B) American Samoa; (C) the Commonwealth of the Northern Mariana Islands; (D) the Federated States of Micronesia; (E) the Republic of the Marshall Islands; (F) the Republic of Palau; and (G) the United States Virgin Islands. (4) Intended use plan The term intended use plan means a plan prepared under subsection (d)(1). (5) Low-income geographic area The term low-income geographic area means an area described in paragraph (1) or (2) of section 301(a) of the Public Works and Economic Development Act of 1965 ( 42 U.S.C. 3161(a) ). (6) Low-income homeowner The term low-income homeowner means the owner of a primary residence, the household income of which in a taxable year is not more than 80 percent of the median income for the area in which the residence is located. (7) Participating State The term participating State means an eligible State that— (A) has entered into an agreement under subsection (b)(1)