# 119-hr-6620: 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.

119-hr-6620, 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., is a 119th Congress bill sponsored by Rep. Castor, Kathy [D-FL-14] (D-FL); status introduced; PRIA reads it as touching household money (as of 2026-11-03).

- Canonical: https://policyrisk.com/legislation/119-hr-6620
- As of: 2026-11-03
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-6620
- Congress: 119
- Title: 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.
- Status: introduced
- Introduced: 2025-12-11
- Sponsor: Rep. Castor, Kathy [D-FL-14] (D-FL)
- Cosponsors: 1
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-11-03

## 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. - 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.

## Cosponsors (1)

- Rep. Salazar, Maria Elvira [R-FL-27] (R-FL), 2025-12-11T00:00:00.000Z

## Provisions PRIA read

- Private flood insurance counts for homeowners: benefit, low. 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 continuo…

## Related bills

- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hr-7977: Energy Bills Relief Act
- 119-hr-7481: Department of Homeland Security Appropriations Act, 2026
- 119-hr-1229: United States-Israel Defense Partnership Act of 2025
- 119-hr-7973: Momnibus Act
- 119-hr-4206: CONNECT for Health Act of 2025

## Sources
- [119-hr-6620 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/6620)

## Related
- [119-hr-6644: 21st Century ROAD to Housing Act](https://policyrisk.com/legislation/119-hr-6644)
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hr-7481: Department of Homeland Security Appropriations Act, 2026](https://policyrisk.com/legislation/119-hr-7481)
- [119-hr-1229: United States-Israel Defense Partnership Act of 2025](https://policyrisk.com/legislation/119-hr-1229)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-4206: CONNECT for Health Act of 2025](https://policyrisk.com/legislation/119-hr-4206)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-6620 (as of 2026-11-03).