To amend the National Flood Insurance Act of 1968 to allow for the consideration of private flood insurance for the purposes of applying continuous coverage requirements, and for other purposes.
Sponsored By: Representative Rep. Castor, Kathy [D-FL-14]
Introduced
Summary
Counts private flood insurance as continuous coverage when that private policy was used to meet the Flood Disaster Protection Act section 102(a) requirement. This directs the Administrator to treat private-market flood policies used to satisfy section 102(a) the same as National Flood Insurance Program coverage when applying any statutory, regulatory, or administrative continuous-coverage test.
Show full summary
- Homeowners and property buyers: Owners with private flood policies that satisfied section 102(a) would have those policy periods counted as continuous coverage when coverage history is evaluated.
- Lenders and mortgage servicers: Private-market policies that met the section 102(a) standard would be recognized in continuous-coverage checks that affect lending or insurance follow-up.
- Program administration and insurers: The Administrator must include qualifying private coverage alongside NFIP coverage when measuring continuous coverage across statutes, regulations, and agency rules.
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
Private flood insurance counts for homeowners
If enacted, the bill would require the NFIP Administrator to treat time your property had private flood insurance as continuous coverage when that private policy was used to meet the mandatory purchase rule (section 102(a)). This would apply for any statutory, regulatory, or administrative continuous-coverage requirement, including under section 1307(g)(1). The change would take effect upon enactment and only covers periods actually used to satisfy section 102(a).
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Sponsors & CoSponsors
Sponsor
Rep. Castor, Kathy [D-FL-14]
FL • D
Cosponsors
Salazar
FL • R
Sponsored 12/11/2025
Roll Call Votes
No roll call votes available for this bill.
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