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Flood Insurance: Protecting Homeowners from Rate Hikes

This act allows homeowners to keep their current flood insurance rates until FEMA meets specific transparency and assessment conditions. It aims to protect citizens from sudden premium increases and ensure greater clarity in flood insurance pricing.
Key points
You can keep your flood insurance rates from April 1, 2020, until FEMA makes all data and methods for new rates public.
FEMA must create an online database for policyholders to see how their rates would change under the new system.
The agency must assess the long-term economic and social impacts of the new flood insurance rating system.
FEMA is required to conduct public consultations and establish a clear process for resolving premium rate disputes.
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Status:
Expired
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Additional Information
Print number: 117_S_3934
Sponsor: Sen. Hyde-Smith, Cindy [R-MS]
Process start date: 2022-03-28
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

Homeowner Flood Insurance Transparency and Protection Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 117_S_3934.

Which chamber initiated this legislation?

This legislation was initiated in the Senate.

When did the legislative process begin?

The process officially started on 2022-03-28.

What are the main provisions?

Key points include:

  • You can keep your flood insurance rates from April 1, 2020, until FEMA makes all data and methods for new rates public.
  • FEMA must create an online database for policyholders to see how their rates would change under the new system.
  • The agency must assess the long-term economic and social impacts of the new flood insurance rating system.
  • FEMA is required to conduct public consultations and establish a clear process for resolving premium rate disputes.
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. Hyde-Smith, Cindy [R-MS].

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.

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

Real Estate Benefits Environment