"FEMA has stated in congressional testimony that voluntary community-based flood insurance could help NFIP better account for the full cost of flood risks, as well as provide incentives to encourage communities to implement greater flood mitigation measures," Rep. Blaine Luetkemeyer (R-Mo.) said during floor debate.

The suspension bill calling for the study, H.R. 1035, was approved in an easy 397-17 vote.