Bill · S. 2054· Senate(119-S-2054)
Flood Insurance Consumer Choice Act of 2025
- Introduced
- 6/12/2025
- Last activity
- 6/12/2025 — Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- Sponsored by
- Rick Scott
- Cosponsors
- None
- Introduced
- In Committee
What this bill would do
This bill, known as the "Flood Insurance Consumer Choice Act of 2025," aims to assist National Flood Insurance Program policyholders. It targets individuals who leave the program to purchase a private insurance flood policy. The legislation seeks to allow these individuals to return to the National Flood Insurance Program without facing penalties. It specifically addresses how continuous coverage requirements are applied.
Yes· 3 of 4
Does this give people more protection from unfair business practices?+5
The bill protects consumers by ensuring they can return to the NFIP without penalty after using private insurance.
Does this improve help for people hit by a disaster?+5
The bill streamlines the return to NFIP coverage, which is a key component of federal flood disaster management.
Would middle-income households be better off under this?+3
Homeowners in this group benefit from more flexible insurance coverage options.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
- Recognition of Private Coverage: The bill allows the Administrator to consider periods of coverage through the private market as a period of continuous coverage. This helps individuals who used private insurance to satisfy specific requirements under the Flood Disaster Protection Act of 1973 (Section 2).
Potential Negative Impacts for People
- No negative impacts are explicitly mentioned in the provided text.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Economy And Finance
- Improves Consumer Protection+5
- Environment Energy And Infrastructure
- Improves Disaster Relief And F E M A+5
- Demographic And Interest Groups
- Good For Middle Class Households+3
- Social Issues And Justice
- Improves Affordable Housing+3
- 6/12/2025
- Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- Introduced in Senate