; table of contents (a) Short title This Act may be cited as the National Flood Insurance Program Reauthorization Act of 2019 . (b) Table of contents The table of contents for this Act is as follows: Sec. 1. Short title; table of contents. Sec. 2. Congressional findings. Title I—Reauthorization and affordability Sec. 101. Program extension. Sec. 102. Demonstration program for policy affordability. Sec. 103. Premium and fees relief for families and small businesses. Sec. 104. Monthly installment payment of premiums. Sec. 105. State revolving loan funds for low-interest loans. Title II—Mapping Sec. 201. Reauthorization of appropriations for National Flood Mapping Program. Sec. 202. National Flood Mapping Program. Sec. 203. Flood mapping modernization and homeowner empowerment pilot program. Sec. 204. Mapping improvements and reach. Sec. 205. Appeals regarding existing flood maps. Sec. 206. Appeals and publication of projected special flood hazard areas. Sec. 207. Communication and outreach regarding map changes. Sec. 208. Adoption of partial flood maps. Sec. 209. New zone for levee-impacted areas. Sec. 210. Agricultural structures in special flood hazard zones. Sec. 211. Technical Mapping Advisory Council. Title III—Mitigation Sec. 301. Increased cost of compliance coverage. Sec. 302. Multiple-loss properties. Sec. 303. Premium rates for certain mitigated properties. Sec. 304. Coverage for cooperatives. Sec. 305. Voluntary community-based flood insurance pilot program. Sec. 306. Mitigation funding. Sec. 307. Community Rating System Improvements. Sec. 308. Community assistance program for effective floodplain management. Title IV—Modernization Sec. 401. Effect of Private Flood Insurance Coverage on Continuous Coverage Requirements. Sec. 402. Optional coverage for umbrella policies. Sec. 403. Annual independent actuarial study. 2. Congressional findings The Congress finds that— (1) since 2016, communities and families across the United States have suffered over $300 billion in losses as a result of flooding