Committee on Banking, Housing, and Urban Affairs. Hearings held.
This bill amends the National Flood Insurance Act to require communities with concentrated, repeatedly flooded properties to identify repeat-damage areas, assess continuing risks, and develop, submit, implement, and publicly share community-specific mitigation plans. FEMA must provide claims data on request, may consider compliance when awarding mitigation grants, and may impose sanctions—including probation or suspension from the National Flood Insurance Program—after notice and consideration of community resources.
Progressives stress equity, funding, and anti-displacement safeguards
Relative to its intended legislative type, this bill is a substantive amendment to the National Flood Insurance Act that establishes concrete duties for communities with repeated flood losses, integrates tightly with existing statutory frameworks, and provides a clear enforcement path while delegating procedural detail to FEMA rulemaking.
This bill amends the National Flood Insurance Act to require communities with concentrated, repeatedly flooded properties to identify repeat-damage areas, assess continuing risks, and develop, submit, implement, and publicly share community-specific mitigation plans.
FEMA must provide claims data on request, may consider compliance when awarding mitigation grants, and may impose sanctions—including probation or suspension from the National Flood Insurance Program—after notice and consideration of community resources.
The bill sets regulatory deadlines (FEMA rules within one year) and requires reporting to Congress six years after enactment and at least every two years thereafter.
Moderately likely as a targeted administrative reform with built‑in assistance, but potential local resistance, enforcement concerns, and implementation capacity reduce chances.
Relative to its intended legislative type, this bill is a substantive amendment to the National Flood Insurance Act that establishes concrete duties for communities with repeated flood losses, integrates tightly with existing statutory frameworks, and provides a clear enforcement path while delegating procedural detail to FEMA rulemaking.
Progressives stress equity, funding, and anti-displacement safeguards
These are examples from the analysis, not a ranked list of the most-affected groups.
Progressives stress equity, funding, and anti-displacement safeguards
Overall supportive of the bill’s emphasis on accountability, risk reduction, and transparency for repeatedly flooded areas.
Sees potential to protect vulnerable residents and reduce taxpayer exposure to repeated disaster payouts, but will want assurances that low-income and historically marginalized communities receive funding and fair treatment rather than punitive sanctions.
Cautiously supportive of the bill’s goals to reduce repetitive flood losses and improve accountability, while wanting practical safeguards.
Will stress clear standards, phased implementation, and adequate federal support to avoid unduly penalizing communities that lack resources or face structural constraints.
Skeptical of federal mandates and potential penalties for localities; views the bill as federal overreach into local land-use and emergency management.
Prefers incentives and local control, and worries sanctions could harm residents and drive up costs or litigation.
Reached or meaningfully advanced
Reached or meaningfully advanced
Still ahead
Still ahead
Still ahead
Moderately likely as a targeted administrative reform with built‑in assistance, but potential local resistance, enforcement concerns, and implementation capacity reduce chances.
The bill has not accumulated any surfaced votes yet.
Progressives stress equity, funding, and anti-displacement safeguards
Moderately likely as a targeted administrative reform with built‑in assistance, but potential local resistance, enforcement concerns, and i…
Relative to its intended legislative type, this bill is a substantive amendment to the National Flood Insurance Act that establishes concrete duties for communities with repeated flood losses, integrates tightly with ex…
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