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Flood Insurance Flexibility: Return to Federal Program Without Penalty

This new law makes it easier for individuals who left the federal flood insurance program for private coverage to return without losing their continuous coverage status. This provides greater flexibility and security for property owners in flood-prone areas, allowing them to choose their insurer more freely.
Key points
You can switch from private flood insurance back to the federal program without losing continuous coverage.
Time spent with private flood insurance will count as continuous coverage under the federal program.
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Status:
Introduced
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Additional Information
Flood Insurance Consumer Choice Act of 2025
Print number: S 2054
Sponsor: Sen. Scott, Rick [R-FL]
Process start date: 2025-06-12