# 119-hr-4494: Flood Insurance Relief Act

119-hr-4494, Flood Insurance Relief Act, is a 119th Congress bill sponsored by Rep. Donalds, Byron [R-FL-19] (R-FL); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-4494
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-4494
- Congress: 119
- Title: Flood Insurance Relief Act
- Status: introduced
- Introduced: 2025-07-17
- Sponsor: Rep. Donalds, Byron [R-FL-19] (R-FL)
- Cosponsors: 0
- Policy area: Taxation
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Above-the-line deduction for flood insurance premiums**. This bill would let taxpayers deduct qualified flood insurance premiums when calculating adjusted gross income, subject to income limits.

## Provisions PRIA read

- Tax break for homeowners' flood insurance: benefit, high. If enacted, this bill would let you deduct what you pay for flood insurance on property you own. It would be an above-the-line deduction that lowers your adjusted gross income. You could claim NFIP or private flood premiums, the Federal Policy Fee, and required surcharges. You would not qualify if…

## Related bills

- 119-hr-6955: Main Street Capital Access Act
- 119-hr-9200: Secure the Border Act of 2026
- 119-hr-9199: Permanent Trump Secure Border Act
- 119-hr-624: RIFLE Act of 2025
- 119-hr-1915: Stop the Cartels Act
- 119-hr-8206: Homeland Security and Further Additional Continuing Appropriations Act, 2026

## Sources
- [119-hr-4494 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/4494)

## Related
- [119-hr-6955: Main Street Capital Access Act](https://policyrisk.com/legislation/119-hr-6955)
- [119-hr-9200: Secure the Border Act of 2026](https://policyrisk.com/legislation/119-hr-9200)
- [119-hr-9199: Permanent Trump Secure Border Act](https://policyrisk.com/legislation/119-hr-9199)
- [119-hr-624: RIFLE Act of 2025](https://policyrisk.com/legislation/119-hr-624)
- [119-hr-1915: Stop the Cartels Act](https://policyrisk.com/legislation/119-hr-1915)
- [119-hr-8206: Homeland Security and Further Additional Continuing Appropriations Act, 2026](https://policyrisk.com/legislation/119-hr-8206)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-4494 (as of 2026-04-21).