H. R. 5484
Introduced in House · October 4, 2025September 18, 2025
Mr. Pallone (for himself and Mr. Higgins of Louisiana) introduced the following bill; which was 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
A BILL
To reauthorize the National Flood Insurance Program, and for other purposes.
1. Short title; 2. Table of contents; 3. Definitions; TITLE I—REAUTHORIZATION AND AFFORDABILITY; 101. Reauthorization; 102. Cap on annual premium increases; 103. Targeted means-tested assistance; 104. Optional monthly installment premium payment plans; 105. Study on business interruption coverage; 106. Cooperative coverage fairness; 107. Coverage limits; 108. Study on participation rates; 109. National Flood Insurance Act definitions regarding the Write Your Own Program; TITLE II—MITIGATION AND MAPPING; 201. Mitigation for high-risk properties; 202. Increased cost of compliance coverage; 203. Flood mitigation assistance grants; 204. Urban mitigation opportunities; 205. Community Rating System Regional Coordinator; 206. Mitigation loan program; 207. Revolving loan funds; 208. Mapping modernization; 209. Appeals; 210. Levee-protected areas; 211. Community-wide flood mitigation activities; 212. Premium calculator; 213. Consideration of mitigation projects in flood insurance premium rates; TITLE III—SOLVENCY; 301. Forbearance on NFIP interest payments; 302. Cap on Write Your Own company compensation; 303. Third-party service provider costs; transparency; 304. Availability of NFIP claims data; 305. Refusal of mitigation assistance; 306. Multiple structure mitigation; TITLE IV—POLICYHOLDER PROTECTION AND FAIRNESS; 401. Earth movement fix and engineer standards; 402. Coverage of pre-FIRM condominium basements and study on street raising; 403. Guidance on remediation and policyholder duties; 404. Appeal of decisions relating to flood insurance coverage; 405. Accountability for underpayments and overpayments by Write Your Own companies; 406. Policyholders’ right to know; 407. Termination of certain contracts under the National Flood Insurance Program; 408. Deadline for claim processing; 409. No manipulation of engineer reports; 410. Improved training of floodplain managers, agents, and adjusters; 411. Flood insurance continuing education and training; 412. Shifting of attorney fees and other expenses; 413. DOJ defense against policyholder lawsuits; 414. Reforming use of proof of loss forms; 415. Agent Advisory Council; 416. Disclosure of flood risk information prior to transfer of property; 417. Grace period for renewal of coverage at renewal offer rate