Sponsors (2)
The bill encourages targeted, transparent community flood-mitigation planning and better use of federal mitigation programs—improving protection for compliant communities—while imposing administrative costs, privacy risks, and the possibility that noncompliant or resource-poor communities face reduced insurance access or federal aid.
Homeowners and renters in covered communities will receive community-specific flood mitigation plans that reduce repeated flood damage to residences and local facilities.
Local governments will get access to FEMA claims data and can align mitigation plans with NFIP/Stafford Act programs, improving targeting of mitigation efforts and access to federal mitigation funding for at-risk areas.
Homeowners, renters, and local governments will benefit from public sharing of mitigation plans and progress, increasing transparency about local flood risks and planned responses.
Homeowners and renters in communities that fail to comply risk suspension or probation from the NFIP, which could make flood insurance less available or more expensive.
Local governments and homeowners in resource-constrained communities may lose eligibility for federal mitigation assistance tied to compliance, delaying repairs and recovery.
Local governments, especially those with limited resources, will face additional administrative and financial burdens to prepare, submit, and implement mitigation plans.
Based on analysis of 2 sections of legislative text.
Requires FEMA to make NFIP communities with clusters of repeatedly flood‑damaged properties identify risk areas, create and implement mitigation plans, share data, and face possible NFIP sanctions for noncompliance.
Introduced April 30, 2025 by Tim Scott · Last progress April 30, 2025
Requires FEMA to make communities that participate in the National Flood Insurance Program and contain clusters of repeatedly flood‑damaged properties identify repeatedly damaged areas, assess risks with FEMA help, and create, submit, implement, and publicly share community mitigation plans. FEMA must provide claims data on request, can consider compliance when awarding federal assistance, may impose NFIP sanctions after notice, and must publish reports to Congress on progress at set intervals.