# 119-hr-6934: National Flood Insurance Program Affordability Act

119-hr-6934, National Flood Insurance Program Affordability Act, is a 119th Congress bill sponsored by Rep. Bresnahan, Robert P. [R-PA-8] (R-PA); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-6934
- 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-6934
- Congress: 119
- Title: National Flood Insurance Program Affordability Act
- Status: introduced
- Introduced: 2025-12-30
- Sponsor: Rep. Bresnahan, Robert P. [R-PA-8] (R-PA)
- Cosponsors: 1
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Means-tested discounts on NFIP premiums.** This bill would create a FEMA program to give graduated discounts on National Flood Insurance Program insurance costs and cap an assisted policyholder’s chargeable premium at no more than 1% of the area median income for the property’s area. - Families and homeowners: Households with income at or below 120% of area median income would be eligible for discounts that limit their chargeable premium to no more than 1% of AMI. Assistance is available only while annual funds remain. - Small businesses and not-for-profits: Businesses with up to 100 employees and nonprofits that meet a FEMA hardship metric would qualify for graduated discounts to lower their NFIP insurance costs. - FEMA and program rules: FEMA would have to issue regulations and a hardship metric within one year, implement monthly premium installments within 180 days or report why it cannot, and run the program with an annual appropriation and spending rules. *Would require an annual appropriation of $250 million to FEMA to fund the discount program.*

## Cosponsors (1)

- Rep. Vindman, Eugene Simon [D-VA-7] (D-VA), 2025-12-30T00:00:00.000Z

## Provisions PRIA read

- Flood insurance discounts for homeowners: benefit, medium. If enacted, FEMA would have one year to set up a means-tested discount program for National Flood Insurance. You would be able to apply if you hold an NFIP policy on or after enactment and your household income is at or below 120% of the area median income (AMI). For eligible applicants, the bill w…

## Related bills

- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-4669: FEMA Act of 2025
- 119-hr-6900: American Affordability Act of 2025
- 119-hr-1229: United States-Israel Defense Partnership Act of 2025
- 119-hr-2086: Rights for the TSA Workforce Act
- 119-hr-5703: Organic Science and Research Investment Act of 2025

## Sources
- [119-hr-6934 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/6934)

## Related
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-4669: FEMA Act of 2025](https://policyrisk.com/legislation/119-hr-4669)
- [119-hr-6900: American Affordability Act of 2025](https://policyrisk.com/legislation/119-hr-6900)
- [119-hr-1229: United States-Israel Defense Partnership Act of 2025](https://policyrisk.com/legislation/119-hr-1229)
- [119-hr-2086: Rights for the TSA Workforce Act](https://policyrisk.com/legislation/119-hr-2086)
- [119-hr-5703: Organic Science and Research Investment Act of 2025](https://policyrisk.com/legislation/119-hr-5703)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-6934 (as of 2026-04-21).