119-s2054

[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[S. 2054 Introduced in Senate

    (IS) ]

<DOC>

119th CONGRESS
 1st Session
 S. 2054

 To allow National Flood Insurance Program policyholders who leave the 
 program to purchase a private insurance flood policy to return to the 
 National Flood Insurance Program without penalty, and for other 
 purposes.

_______________________________________________________________________

 IN THE SENATE OF THE UNITED STATES

 June 12, 2025

 Mr. Scott of Florida introduced the following bill; which was read 
 twice and referred to the Committee on Banking, Housing, and Urban 
 Affairs

_______________________________________________________________________

 A BILL

 To allow National Flood Insurance Program policyholders who leave the 
 program to purchase a private insurance flood policy to return to the 
 National Flood Insurance Program without penalty, and for other 
 purposes.

 Be it enacted by the Senate and House of Representatives of the 
United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

 This Act may be cited as the ``Flood Insurance Consumer Choice Act 
of 2025''.

SEC. 2. EFFECT OF PRIVATE FLOOD INSURANCE COVERAGE ON CONTINUOUS 
 COVERAGE REQUIREMENTS.

 

Section 1308 of the National Flood Insurance Act of 1968 (42 U.S.C. 
4015) is amended by adding at the end the following:
 ``

    (n) Effect of Private Flood Insurance Coverage on Continuous 
Coverage Requirements.--For purposes of applying any statutory, 
regulatory, or administrative continuous coverage requirement, 
including under 

section 1307

    (g)

    (1) , the Administrator shall consider 
any period during which a property was continuously covered by a flood 
insurance policy through the private market that was used to satisfy 
the requirements under 

section 102

    (a) of the Flood Disaster Protection 
Act of 1973 (42 U.S.C. 4012a

    (a) ) to be a period of continuous 
coverage.''.
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