Proposed
Bill · 119th Congress · HR 5484
National Flood Insurance Program Reauthorization and Reform Act of 2025
Refreshed 4 h ago
Introduced 2025-09-18Topic: housing · budget · infrastructure utilitiesSummary
AI-generated summary, report an errorThis bill would extend the National Flood Insurance Program through September 30, 2030, and let it keep operating during a lapse in federal funding. For five years, it would limit yearly increases in flood insurance premiums, surcharges, and certain fees to 9 percent. It would create a discount program for policyholders with household incomes up to 140 percent of the local median income, allow monthly premium payments with an annual fee of up to $15, and tie coverage limits to the federal conforming mortgage loan limit. It would also fund flood mitigation through Disaster Relief Fund set-asides, grants, loans, and state or tribal revolving loan funds. The bill includes studies, changes to claims and appeals processes, and other policyholder protections.
Sponsors
- Frank Pallone, Jr. Democrat sponsor
- 3 cosponsors
Action history
| Date | Chamber | Action | Status effect |
|---|---|---|---|
| 2025-09-19 | House | Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management. | refer |
| 2025-09-18 | House | Referred to the Committee on Financial Services, and in addition to the Committees on Transportation and Infrastructure, and Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned. | refer |
| 2025-09-18 | House | Referred to the Committee on Financial Services, and in addition to the Committees on Transportation and Infrastructure, and Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned. | refer |
| 2025-09-18 | House | Referred to the Committee on Financial Services, and in addition to the Committees on Transportation and Infrastructure, and Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned. | refer |
| 2025-09-18 | Introduced in House | introduce | |
| 2025-09-18 | Introduced in House | introduce |