Summary

Requires FEMA to set rules forcing flood-prone communities that participate in the National Flood Insurance Program (NFIP) to identify areas with repeatedly damaged properties, assess ongoing risk, and create, submit, implement, and publicly share community-specific mitigation plans. FEMA must provide certain claim/address data on request, may consider compliance when awarding NFIP-related assistance, and can place noncompliant communities on probation or suspend NFIP participation; the agency must publish implementation regulations within one year and report to Congress periodically on progress.

Key Points

• Requires NFIP-participating communities with concentrations of repeatedly flooded properties to identify risk areas and prepare community-specific mitigation plans.
• FEMA must assist with data and must provide insured property addresses and claim dates to communities on request.
• FEMA must issue regulations within one year and report to Congress within six years and then at least every two years.
• Compliance can affect a community’s access to NFIP-related financial assistance.
• FEMA may impose sanctions, including NFIP probation or suspension, on communities that fail to comply or make sufficient progress.
• Plans must be publicly shared, increasing local transparency about flood risk and mitigation actions.
• The law does not explicitly appropriate new funding for community planning or mitigation; it instead creates regulatory obligations and enforcement authority.
• The statute references existing federal definitions (e.g., severe repetitive loss) and existing NFIP regulatory mechanisms for enforcement.

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