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Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Introduced June 12, 2025 by Richard Lynn Scott · Last progress June 12, 2025
Treats continuous private-market flood insurance the same as continuous National Flood Insurance Program (NFIP) coverage for purposes of any statutory, regulatory, or administrative continuous-coverage rules. In practice, if a property was continuously covered by a private flood policy used to meet the mandatory purchase requirement, that time will count as continuous coverage for protections tied to continuous coverage (including those in section 1307(g)(1)).
The change directs the FEMA Administrator to recognize private flood policies when determining whether a property has met continuous-coverage requirements, which can preserve rate and eligibility protections that depend on continuous coverage.