An amendment comprised of several amendments offered en bloc which allows lenders to be exempt from reviewing their entire loan portfolios (to ensure that previously financed properties in flood-prone areas are covered by flood insurance) if they conduct a statistically valid sampling of their loans (even if the number of loans reviewed is less than 5% as required by the bill) and find that 95% of the loans requiring flood insurance are already covered, provided the smaller sample is approved by the Financial Institutions Examination Council and HUD; codifies the existing practice in which FEMA provides flood maps at no charge to states, communities, lenders, and insurance companies that participate in the flood insurance program; clarifies that bayous, rivers and the river portions of estuaries are not coastal areas to be designated as erosion-prone areas under the bill's new Erosion Management Program; clarifies that FEMA is expected to identify and designate erosion-prone coastal areas on an ongoing basis; and, makes a technical change concerning the bill's required river erosion study.