Bills · HR 5484
IN COMMITTEE· 119TH CONGRESS
House BillHR 5484Finance and Financial Sector
National Flood Insurance Program Reauthorization and Reform Act of 2025
INTRO SEP 18· LAST ACTION SEP 19
READING
126MIN
COSPONSORS
3BIPARTISAN
READER REACTIONS0 TOTAL
NO VOTES YET · BE THE FIRST
- Introduced only
LEGISLATIVE PROGRESS
STEP 2 / 8Introduced
In Committee
Reported
Passed House
Passed Senate
Conference
To President
Became Law
WHAT THE BILL DOES
AI-writtenThis bill matters because reliable flood insurance is critical for protecting homes, businesses, and communities from devastating financial losses due to floods, which are becoming more frequent and severe. If the National Flood Insurance Program isn't reauthorized, it could lapse, leaving millions of property owners without crucial coverage and potentially stalling real estate transactions in flood zones. By extending the program, the bill ensures this safety net remains in place.
Furthermore, the reforms address key pain points many Americans face: the rising cost of flood insurance and the sometimes difficult process of filing claims. Capping premium increases and offering financial aid for low-income policyholders could prevent people from being priced out of essential coverage, reducing their financial vulnerability. Improving mitigation efforts means fewer homes will be damaged in the first place, saving taxpayer money and reducing personal hardship. These changes aim to make the program more sustainable, equitable, and responsive to the growing threat of flooding across the country.
KEY PROVISIONS
5AI-extractedPROVISION 01
Reauthorizes the National Flood Insurance Program (NFIP) until September 30, 2030, and ensures it can continue operating and paying claims during government funding lapses.
This ensures stability for millions of policyholders and prevents disruptions in crucial flood insurance coverage.
PROVISION 02
Places a cap on how much annual flood insurance premiums can increase, aiming to control rising costs for policyholders.
This makes flood insurance more affordable and accessible, especially for those in high-risk areas.
PROVISION 03
Establishes targeted financial assistance for lower-income households to help them afford flood insurance premiums.
This addresses affordability concerns and helps prevent vulnerable populations from losing essential coverage.
PROVISION 04
Improves flood mitigation efforts through grants, loans, and updated mapping, particularly for high-risk and urban areas.
This reduces future flood damage and protects properties, ultimately lowering the long-term costs of the program.
PROVISION 05
Enhances policyholder protections, including reforms for claims processing, appeals, and better training for insurance professionals.
This ensures fair treatment for policyholders during vulnerable times and builds trust in the insurance program.
SPONSORSHIP
1 + 3
D· New Jersey
YRS IN OFFICE
39
BILLS LED
22
COSPONSOR BREAKDOWNBIPARTISAN · 67%
DEM 2 REP 1 IND 0
ACTION TIMELINE
3 EVENTSSEP 19
Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.
SEP 18
Introduced in House
SEP 18
Referred to the Committee on Financial Services, and in addition to the Committees on Transportation and Infrastructure, and Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
BILL INFO
TypeHouse Bill
NumberHR 5484
Congress119th
StatusIn Committee
IntroducedSep 18, 2025
Last actionSep 19, 2025
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IN COMMITTEE· 119TH CONGRESS · TRANSPORTATION AND INFRASTRUCTURE COMMITTEE · INTRODUCED SEP 18, 2025
House BillHR 5484Finance and Financial Sector
National Flood Insurance Program Reauthorization and Reform Act of 2025
INTRODUCED SEP 18, 2025· LAST ACTION SEP 19, 2025
PASSAGE CHANCES
—%
READING
126 min
COSPONSORS
3
COMPLEXITY
Moderate
