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Flood Insurance Relief: Lower Costs for Those in Need

This act aims to reduce flood insurance costs for lower-income individuals, families, and small businesses. It introduces a discount program to make insurance premiums more affordable and allows for monthly payments. This could significantly ease the financial burden on residents in flood-prone areas.
Key points
Flood insurance discount program for individuals and families with incomes up to 120% of the area median income.
Small businesses and non-profit organizations may also receive assistance if they meet hardship criteria.
Monthly premium payments are to become available, making budget management easier for households.
The government allocates $250 million annually to support this program, ensuring its operation.
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Status:
Expired
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Additional Information
Print number: 117_HR_7202
Sponsor: Rep. Cartwright, Matt [D-PA-8]
Process start date: 2022-03-24
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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OFFICIAL LEGAL TITLE

National Flood Insurance Program Affordability Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 117_HR_7202.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2022-03-24.

What are the main provisions?

Key points include:

  • Flood insurance discount program for individuals and families with incomes up to 120% of the area median income.
  • Small businesses and non-profit organizations may also receive assistance if they meet hardship criteria.
  • Monthly premium payments are to become available, making budget management easier for households.
  • The government allocates $250 million annually to support this program, ensuring its operation.
What is the specific legal status?

The current status is Expired.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. Cartwright, Matt [D-PA-8].

What is the latest detailed status?

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

Is this summary verified?

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

What is the impact of this bill?

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.

CATEGORIES

Benefits Real Estate