Sponsors (2)
The bill pushes communities to identify and mitigate repeatedly flooded areas—improving targeting and accountability—but risks imposing costs, privacy trade-offs, and penalties that could reduce insurance access and federal aid for vulnerable, low-capacity communities.
Homeowners and renters in repeatedly flooded areas will see more targeted flood-risk reduction because local governments must identify repeatedly flooded areas and create mitigation plans.
Local governments and planners will get better information because FEMA must provide address-and-claim-date NFIP data on request, improving communities' ability to target assistance and mitigation projects.
Taxpayers and local governments will benefit from increased federal oversight and transparency through periodic congressional reporting on mitigation progress, which can improve accountability and program evaluation.
Homeowners and renters could lose access to the National Flood Insurance Program in noncompliant communities if sanctions (including NFIP suspension or probation) are applied, risking loss of insurance protection.
Low-income individuals and struggling communities risk reduced federal financial assistance because funding is conditioned on local compliance with planning requirements, potentially slowing recovery and mitigation in high-need areas.
Local governments—especially low-resource jurisdictions—will face added administrative and financial burdens to prepare, submit, and implement mitigation plans, diverting staff time and local funds.
Based on analysis of 2 sections of legislative text.
Requires FEMA to create a community-accountability program for NFIP communities with repeated flood losses and requires covered communities to assess risk, publish mitigation plans, and report progress.
Introduced April 30, 2025 by Tim Scott · Last progress April 30, 2025
Creates a FEMA-run community-accountability program for communities in the National Flood Insurance Program (NFIP) that have many repeatedly flooded properties or facilities. Covered communities must identify repeatedly damaged areas, work with FEMA to assess risk, prepare and publish community-specific mitigation plans, and report on progress. FEMA must issue implementing regulations within one year, can share insured-property claim data on request, may consider compliance when deciding certain federal assistance, and may impose sanctions (including suspension or probation from NFIP participation) after notice. FEMA must report to Congress on progress within six years and then every two years.