YourVoice.Now Summary
EnvironmentTransparency & AccountabilityYour MoneyCivil LibertiesTowns with many homes that keep flooding would need a plan to cut flood risk, or face FEMA penalties
Environment
Towns in the flood insurance program with many repeat-flood homes or buildings would have to find their worst-hit areas and study the risk. They would then write, submit, and carry out a plan to lower it. FEMA could weigh a town's progress when it decides on flood-protection aid.
Transparency & Accountability
Each town on the list would have to share its flood plan, any updates, and its progress reports with the public. Federal privacy law still applies. FEMA would also report to Congress every two years, starting six years after the bill becomes law.
Your Money
If a town on the list breaks the rules or makes too little progress, FEMA could put it on probation. FEMA could also suspend it from the program. FEMA must warn the town first and suggest fixes. It must weigh the town's money and how much of it lies in a flood zone.
Civil Liberties
To help a town write its plan, FEMA would share data on insured homes there. That includes each home's address and the dates of its flood claims. The town only gets this if it asks.
More about this bill
If your town keeps flooding, it may have to make a plan to cut that risk. That applies to towns in the federal flood insurance program with many homes or buildings that flood again and again. One way to qualify is having at least 50 homes or buildings with two or more claims over $1,000 within 10 years. Five badly flooded buildings that were never fixed to resist floods would also count. So would a public building fixed with disaster aid after more than one flood in 10 years. Those towns would map their flood-prone areas, study the risk, and carry out a plan. FEMA (the federal disaster agency) would share past claim data, including addresses, if a town asks. Plans and progress reports would be public. A town that does not follow the rules could face penalties, including suspension from the flood insurance program. FEMA would have to warn the town first and weigh what it can afford. FEMA would write the rules within one year of the bill becoming law.
Congressional Summary
Repeatedly Flooded Communities Preparation Act This bill establishes requirements for a community that participates in the National Flood Insurance Program and has been repeatedly flooded. Specifically, a community that has been repeatedly flooded, as specified by the bill, must (1) assess the continuing risks to community areas repeatedly damaged by floods; and (2) develop and implement a publicly available, community-specific plan for mitigating continuing flood risks to such areas. The Federal Emergency Management Agency (FEMA) must, upon request, provide a community with appropriate data to assist in preparation of the required plan. In making decisions with respect to awarding flood risk mitigation grants, FEMA may consider the extent to which a community has complied with these requirements and is working to remedy problems with repeatedly flooded areas. A community that does not comply with these requirements may be subject to sanctions, including suspension from the program.
Legislative Subjects
Details
- Congress
- 119th
- Chamber
- Senate
- Status
- summarized
- Action
- Introduced in Senate
- Action Date
- 2025-04-30
- Date Added
- 2026-10-08
- Source
- Congress.gov →
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