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Flood Insurance Streamlining: Faster Decisions for Homeowners

This act aims to speed up the process of issuing flood map decisions for property owners who have altered land by adding fill. This allows citizens to get clarity on their home's flood insurance status more quickly, potentially impacting insurance costs and availability.
Key points
Prohibits delaying the issuance of flood map revision letters for properties with added fill, speeding up the process.
The act aims to keep homeownership costs down by streamlining flood insurance procedures.
These provisions will be repealed once FEMA fully implements endangered species protection requirements.
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Status: Introduced
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Additional Information
Print number: 119_HR_3800
Sponsor: Rep. LaMalfa, Doug [R-CA-1]
Process start date: 2025-06-06
System Note: Lustra is free, publicly auditable civic infrastructure — 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
AI work logs for this document launch

OFFICIAL LEGAL TITLE

Keeping Homeownership Costs Down Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 119_HR_3800.

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 2025-06-06.

What are the main provisions?

Key points include:

  • Prohibits delaying the issuance of flood map revision letters for properties with added fill, speeding up the process.
  • The act aims to keep homeownership costs down by streamlining flood insurance procedures.
  • These provisions will be repealed once FEMA fully implements endangered species protection requirements.
What is the specific legal status?

The current status is Introduced.

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. LaMalfa, Doug [R-CA-1].

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 2025-12-22.

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 Environment