arrow_back Back to App

Flood Insurance Reform: Lower Premium Caps, New Aid, and Better Homeowner Protection

This act reauthorizes the National Flood Insurance Program through 2030, capping annual premium increases at 9% and introducing means-tested assistance for lower-income households. It also allows for monthly premium payments, increases coverage limits, and mandates the disclosure of flood history during property sales.
Key points
Caps annual flood insurance premium increases at 9% to improve affordability.
Establishes a means-tested assistance program offering discounts to eligible low-income policyholders.
Allows policyholders to pay insurance premiums in monthly installments.
Requires sellers and landlords to disclose flood risks and claims history to buyers and tenants.
Strengthens policyholder rights regarding claim appeals and ensures transparency in engineering reports.
article Official text account_balance Process page
Introduced
Citizen Poll
No votes cast
Additional Information
Print number: 119_HR_5484
Sponsor: Rep. Pallone, Frank [D-NJ-6]
Process start date: 2025-09-18
Lustra uses Artificial Intelligence. Verify details in source documents.
Summarized by: gemini-3-pro-preview
Source data: api.congress.gov
AI work logs for this document launch

OFFICIAL LEGAL TITLE

National Flood Insurance Program Reauthorization and Reform Act of 2025

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 119_HR_5484.

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 2025-09-18.

What are the main provisions?

Key points include:

  • Caps annual flood insurance premium increases at 9% to improve affordability.
  • Establishes a means-tested assistance program offering discounts to eligible low-income policyholders.
  • Allows policyholders to pay insurance premiums in monthly installments.
  • Requires sellers and landlords to disclose flood risks and claims history to buyers and tenants.
  • Strengthens policyholder rights regarding claim appeals and ensures transparency in engineering reports.
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. Pallone, Frank [D-NJ-6].

What is the latest detailed status?

The latest detailed status is: Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2026-01-19.

CATEGORIES

Real Estate Economy Environment