Bills · HR 5500
IN COMMITTEE· 119TH CONGRESS
House BillHR 5500Finance and Financial Sector
National Flood Insurance Program Administrative Reform Act of 2025
INTRO SEP 18· LAST ACTION SEP 18
READING
24MIN
COSPONSORS
0
READER REACTIONS0 TOTAL
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- 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 it tackles long-standing issues within the federal flood insurance program that affect homeowners and taxpayers. For homeowners, it offers a crucial opportunity to proactively address potential problems that could complicate their claims after a devastating flood, and provides a much-needed, clear pathway to appeal a denied claim. This directly impacts how quickly and fairly people can recover and rebuild after a natural disaster, which is a major concern for anyone living in flood-prone areas.
For taxpayers, the bill aims to improve the financial health and integrity of the NFIP by cracking down on fraud and abuse. By strengthening oversight and enforcement, it seeks to ensure that the program's funds are used appropriately, rather than being siphoned off by false claims. If this bill doesn't become law, homeowners might continue to face unexpected claim denials due to pre-existing conditions and a less transparent appeals process, while the program itself would remain vulnerable to fraudulent activities, potentially increasing costs for all.
KEY PROVISIONS
4AI-extractedPROVISION 01
Establishes a voluntary pilot program allowing flood insurance policyholders to request investigations of their properties for preexisting structural conditions that could affect future claim denials, with a surcharge to cover costs.
This helps policyholders identify potential issues before a flood, which could prevent future claim disputes and denials.
PROVISION 02
Creates new penalties for individuals who knowingly make false statements or commit fraud in connection with proving or adjusting flood insurance claims.
This provision aims to deter fraudulent activities that can undermine the integrity and financial stability of the flood insurance program.
PROVISION 03
Requires the Administrator to establish a formal appeals process for flood insurance policyholders to challenge decisions where their claims have been fully or partially disallowed.
This provides policyholders with a clear, official mechanism to seek reconsideration of claim decisions, potentially leading to fairer outcomes.
PROVISION 04
Sets a sunset date for the pilot program, meaning no new policies for property investigations can be provided after December 31, 2028, and requires interim and final reports on the program's operation.
This ensures the pilot program is evaluated for its effectiveness and has a defined timeframe for operation and review.
SPONSORSHIP
1 + 0
D· New York
YRS IN OFFICE
33
BILLS LED
45
ACTION TIMELINE
2 EVENTSSEP 18
Introduced in House
SEP 18
Referred to the House Committee on Financial Services.
BILL INFO
TypeHouse Bill
NumberHR 5500
Congress119th
StatusIn Committee
IntroducedSep 18, 2025
Last actionSep 18, 2025
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IN COMMITTEE· 119TH CONGRESS · FINANCIAL SERVICES COMMITTEE · INTRODUCED SEP 18, 2025
House BillHR 5500Finance and Financial Sector
National Flood Insurance Program Administrative Reform Act of 2025
INTRODUCED SEP 18, 2025· LAST ACTION SEP 18, 2025
PASSAGE CHANCES
—%
READING
24 min
COSPONSORS
0
COMPLEXITY
Moderate
