Mandatory flood insurance may become less affordable and harder to obtain if certain provisions in a national flood insurance reform bill approved by a Senate committee last week are not modified, according to mortgage lenders. The Senate version of the Flood Insurance Reform and Modernization Act of 2006, or FIRM, would overhaul the bankrupt National Flood Insurance Program by updating flood maps, eliminating subsidies, expanding flood insurance requirements, and increasing penalties and premiums. The bill…