National Flood Insurance Program Administrative Reform Act of 2025

This bill changes how the National Flood Insurance Program handles claims, appeals, and oversight. It would require FEMA to decide flood insurance claims within 120 days after a policyholder submits a signed proof of loss, create a formal appeals process with a 120-day decision deadline, and pause the one-year deadline to sue while an appeal is pending. It would set penalties for knowingly making false statements or forging reports in flood claims, require FEMA to give policyholders unredacted copies of technical reports used on their claims, and add a plain-language disclosure sheet to each policy. It would also create a voluntary pilot program for insurers to inspect homes for preexisting structural problems, re-establish a federal flood insurance advisory committee, bar FEMA from newly hiring suspended or disbarred attorneys, and order two federal studies.

Full text and official record on Congress.gov

Sponsors

• Nydia M. Velázquez Democrat sponsor
• 0 cosponsors