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Flood Insurance Flexibility: Return to Federal Program Without Penalty

New rules make it easier for property owners to return to the federal flood insurance program after using a private policy. This means that the period of private flood insurance coverage will be recognized as continuous coverage, eliminating penalties and loss of benefits for citizens.
Key points
Individuals who left the federal flood insurance program for private coverage can now return without losing continuous coverage status.
Time spent with a private flood insurance policy will be treated the same as federal program coverage, protecting against extra fees or loss of eligibility.
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Expired
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Additional Information
Print number: 117_S_2915
Sponsor: Sen. Scott, Rick [R-FL]
Process start date: 2021-09-30
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Summarized by: gemini-2.5-flash-preview-05-20
Source data: api.congress.gov
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OFFICIAL LEGAL TITLE

Flood Insurance Consumer Choice Act of 2021

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 117_S_2915.

Which chamber initiated this legislation?

This legislation was initiated in the Senate.

When did the legislative process begin?

The process officially started on 2021-09-30.

What are the main provisions?

Key points include:

  • Individuals who left the federal flood insurance program for private coverage can now return without losing continuous coverage status.
  • Time spent with a private flood insurance policy will be treated the same as federal program coverage, protecting against extra fees or loss of eligibility.
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 Sen. Scott, Rick [R-FL].

What is the latest detailed status?

The latest detailed status is: Introduced in Senate

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-29.

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