Bill · H.R. 7862· House(119-HR-7862)
National Flood Insurance Program Clarification Act of 2026
- Introduced
- 3/9/2026
- Last activity
- 3/9/2026 — Referred to the House Committee on Financial Services.
- Sponsored by
- Cliff Bentz
- Cosponsors
- - 3 - 0
- Introduced
- In Committee
What this bill would do
This bill is called the "National Flood Insurance Program Clarification Act of 2026". It seeks to limit how the Endangered Species Act applies to certain actions under the national flood insurance program. Specifically, it states that Section 7(a) of the Endangered Species Act will not apply to certain actions by the Administrator. It also requires the withdrawal of existing biological opinions that evaluate the impacts of the national flood insurance program. Additionally, it adds a requirement that local measures for land management and use must be for the sole purpose of protecting property and human health.
Yes· 3 of 5
Would business owners be better off under this?+3
Reduces regulatory burden for properties and developments associated with flood insurance.
Does this improve help for people hit by a disaster?+2
May streamline flood insurance administration by reducing regulatory delays.
Would farmers be better off under this?+2
Less regulatory oversight from the Endangered Species Act can benefit agricultural land use.
The opposite
Does this better protect air, water and wildlife?-7
The bill limits the application of the Endangered Species Act and mandates the withdrawal of biological opinions.
Does this better protect public land such as parks and forests?-3
Limits land management criteria to only protecting property and human health, ignoring ecological factors.
Who it would affect, and how
Potential Positive Impacts for People
-
Reduced Regulatory Requirements: By stating that Section 7(a) of the Endangered Species Act shall not apply to specific actions by the Administrator (Section 2(b)), it may remove certain legal hurdles or delays associated with the national flood insurance program.
-
Focused Land Management: The amendment to Section 1361(c) ensures that local measures for land management and use are for the "sole purpose of protecting property and human health" (Section 3).
Potential Negative Impacts for People
-
Loss of Environmental Oversight: The bill requires the Director of the United States Fish and Wildlife Service and the Assistant Administrator for Fisheries to withdraw existing biological opinions that evaluate the impacts of the national flood insurance program (Section 2(c)).
-
Prevention of Future Environmental Reviews: The bill explicitly states that biological opinions withdrawn under Section 2(c) "shall have no effect and shall not be reissued" (Section 2(c)).
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Environment Energy And Infrastructure
- Improves Disaster Relief And F E M A+2Improves Environmental Protections-7Improves Public Land Management-3
- Demographic And Interest Groups
- Good For Business Owners+3Good For Farmers+2Good For Rural Residents+2
- Economy And Finance
- Improves Economic Growth+1
- 9/10/2026
- 1 Cosponsor added.
- 7/14/2026
- 2 Cosponsors added.
- 3/9/2026
- Referred to the House Committee on Financial Services.
- Introduced in House
James GallagherRepublican · California
Pat HarriganRepublican · North Carolina
Randy WeberRepublican · Texas