; (B) a business with not more than 100 employees that— (i) is a national flood insurance program policyholder on or after the date of the enactment of this Act; and (ii) satisfies the hardship metric published by the Administrator under section 2; or (C) a not-for-profit organization that— (i) is a national flood insurance program policyholder on or after the date of the enactment of this Act; and (ii) satisfies the hardship metric published by the Administrator under section 2. (4) Insurance costs The term insurance costs means, with respect to a covered property for a year— (A) risk premiums and fees estimated under section 1307 of the National Flood Insurance Act of 1968 ( 42 U.S.C. 4014 ) and charged under section 1308 of such Act ( 42 U.S.C. 4015 ); (B) surcharges assessed under sections 1304 and 1308A of such Act ( 42 U.S.C. 4011 , 4015a); and (C) any amount established under section 1310A(c) of such Act ( 42 U.S.C. 4017a ).