S 2054
Flood Insurance Consumer Choice Act of 2025
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- Passed Senate
- Passed House
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- Became Law
Bill overview
This bill, the Flood Insurance Consumer Choice Act of 2025, aims to provide more flexibility for homeowners participating in the National Flood Insurance Program (NFIP). It allows policyholders who choose to switch to private flood insurance to re-enroll in the NFIP without facing penalties. Specifically, the bill modifies the NFIP’s rules regarding continuous coverage, recognizing private flood insurance as a valid form of coverage that counts towards meeting continuous coverage requirements. This change is intended to encourage more homeowners to explore private flood insurance options while still maintaining access to the NFIP.
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