What is the official ID of this bill?

The official print number for this legislation is HR 4699.

When did the legislative process begin?

The process officially started on 2021-07-27.

Where can I read the full text of this legislation?

The full official text is available at: https://www.congress.gov/117/bills/hr4699/BILLS-117hr4699ih.htm

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-28.

Who is the primary sponsor?

The primary sponsor is Rep. Castor, Kathy [D-FL-14].

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

What is the latest detailed status?

The latest detailed status is: Referred to the House Committee on Financial Services.

Analysis and Potential Impact of HR 4699

We don't know, that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge. Review our public AI processing logs for full transparency, and use Lustra to track active legislation for instant status push notifications.

Flood Insurance: Private Policies Count Towards Continuous Coverage

Q: What are the main provisions?

Key points include: Private flood insurance will now be recognized as continuous coverage, just like federal program insurance. This change can help property owners maintain lower premiums and avoid penalties for gaps in coverage.

New rules make it easier for citizens to maintain continuous flood insurance coverage, even when switching from a federal program to a private policy. This means previous private insurance will be recognized, potentially helping to avoid higher premiums or loss of discounts.

Key points

Private flood insurance will now be recognized as continuous coverage, just like federal program insurance.

This change can help property owners maintain lower premiums and avoid penalties for gaps in coverage.

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Status:

Expired

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Additional Information

To amend the National Flood Insurance Act of 1968 to allow for the consideration of private flood insurance for the purposes of applying continuous coverage requirements, and for other purposes.

Print number: HR 4699

Sponsor: Rep. Castor, Kathy [D-FL-14]

Process start date: 2021-07-27

System Note: Lustra is free, publicly auditable civic infrastructure, with full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source, always verify them if you can.

Summarized by: gemini-2.5-flash-preview-05-20

Source data: api.congress.gov

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Flood Insurance: Private Policies Count Towards Continuous Coverage

Key Questions about Flood Insurance: Private Policies Count Towards Continuous Coverage