H.R. 5484 · Where this bill is now
In committee
Introduced in the House, sent 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, Sep 18, 2025
119th Congress
1st SessionH. R. 5484
1st SessionH. R. 5484
A BILL
National Flood Insurance Program Reauthorization and Reform Act of 2025
In the HouseNo vote yet
Sponsor: Rep. Frank Pallone (D-NJ-6) · Introduced Sep 18, 2025 · Finance and Financial Sector · 1 version of the text
Sources: Congress.gov actions and votes · bill text from GovInfo · latest official action Sep 19, 2025: “Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.”
Sections
Title I — Reauthorization and affordability · 9
- Sec. 101ReauthorizationNo change
- Sec. 102Cap on annual premium increasesNo change
- Sec. 103Targeted means-tested assistanceNo change
- Sec. 104Optional monthly installment premium payment plansNo change
- Sec. 105Study on business interruption coverageNo change
- Sec. 106Cooperative coverage fairnessNo change
- Sec. 107Coverage limitsNo change
- Sec. 108Study on participation ratesNo change
- Sec. 109National Flood Insurance Act definitions regarding the Write Your Own ProgramNo change
Title II — Mitigation and mapping · 13
- Sec. 201Mitigation for high-risk propertiesNo change
- Sec. 202Increased cost of compliance coverageNo change
- Sec. 203Flood mitigation assistance grantsNo change
- Sec. 204Urban mitigation opportunitiesNo change
- Sec. 205Community Rating System Regional CoordinatorNo change
- Sec. 206Mitigation loan programNo change
- Sec. 207Revolving loan fundsNo change
- Sec. 208Mapping modernizationNo change
- Sec. 209AppealsNo change
- Sec. 210Levee-protected areasNo change
- Sec. 211Community-wide flood mitigation activitiesNo change
- Sec. 212Premium calculatorNo change
- Sec. 213Consideration of mitigation projects in flood insurance premium ratesNo change
Title III — Solvency · 6
- Sec. 301Forbearance on NFIP interest paymentsNo change
- Sec. 302Cap on Write Your Own company compensationNo change
- Sec. 303Third-party service provider costs; transparencyNo change
- Sec. 304Availability of NFIP claims dataNo change
- Sec. 305Refusal of mitigation assistanceNo change
- Sec. 306Multiple structure mitigationNo change
Title IV — Policyholder protection and fairness · 17
- Sec. 401Earth movement fix and engineer standardsNo change
- Sec. 402Coverage of pre-FIRM condominium basements and study on street raisingNo change
- Sec. 403Guidance on remediation and policyholder dutiesNo change
- Sec. 404Appeal of decisions relating to flood insurance coverageNo change
- Sec. 405Accountability for underpayments and overpayments by Write Your Own companiesNo change
- Sec. 406Policyholders’ right to knowNo change
- Sec. 407Termination of certain contracts under the National Flood Insurance ProgramNo change
- Sec. 408Deadline for claim processingNo change
- Sec. 409No manipulation of engineer reportsNo change
- Sec. 410Improved training of floodplain managers, agents, and adjustersNo change
- Sec. 411Flood insurance continuing education and trainingNo change
- Sec. 412Shifting of attorney fees and other expensesNo change
- Sec. 413DOJ defense against policyholder lawsuitsNo change
- Sec. 414Reforming use of proof of loss formsNo change
- Sec. 415Agent Advisory CouncilNo change
- Sec. 416Disclosure of flood risk information prior to transfer of propertyNo change
- Sec. 417Grace period for renewal of coverage at renewal offer rateNo change