# 119-hr-9056: Community Flood Resilience Act

119-hr-9056, Community Flood Resilience Act, is a 119th Congress bill sponsored by Rep. Garbarino, Andrew R. [R-NY-2] (R-NY); status introduced; PRIA reads it as touching household money (as of 2026-07-03).

- Canonical: https://policyrisk.com/legislation/119-hr-9056
- As of: 2026-07-03
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-9056
- Congress: 119
- Title: Community Flood Resilience Act
- Status: introduced
- Introduced: 2026-05-29
- Sponsor: Rep. Garbarino, Andrew R. [R-NY-2] (R-NY)
- Cosponsors: 4
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-07-03

## Summary

**Community-based, parametric flood insurance** would be an allowable use of Flood Mitigation Assistance grants for five years. It would let states and communities use up to 15% of annual FMA funds to pay premiums on private, community-level parametric policies that pay out quickly when objective flood triggers occur. - Families and households could get faster community-level payouts after measurable flood triggers without waiting for individual damage inspections, but policies must disclose the "basis risk" when some households or businesses may not receive payments even after a trigger. - State and local governments could redirect up to 15% of FMA funds each year for premiums for five years and must report to FEMA how those policies promote mitigation, insurance take-up, and resident education. - Small businesses could receive community support through these payouts rather than filing individual claims, as part of local resilience efforts. - Consumers and policymakers get more disclosure and oversight: each policy must explain triggers, basis risk, and how it differs from National Flood Insurance Program flood insurance. FEMA must conduct outreach and Congress receives reports at 1, 3, and 5 years on NFIP enrollment changes, product types and household coverage, payout timeliness and effectiveness, outreach efforts, and any legislative recommendations.

## Cosponsors (4)

- Rep. Meeks, Gregory W. [D-NY-5] (D-NY), 2026-05-29T00:00:00.000Z
- Rep. Salazar, Maria Elvira [R-FL-27] (R-FL), 2026-06-03T00:00:00.000Z
- Rep. Lawler, Michael [R-NY-17] (R-NY), 2026-06-03T00:00:00.000Z
- Rep. Soto, Darren [D-FL-9] (D-FL), 2026-07-02T00:00:00.000Z

## Provisions PRIA read

- FEMA grants for parametric community flood insurance: mixed, medium. This bill would let States and communities use up to 15% of their annual Flood Mitigation Assistance grants to pay premiums for private community parametric flood insurance for five years. Policies would have measurable, predefined triggers and must pay quickly after a trigger is verified, without…

## Related bills

- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-1229: United States-Israel Defense Partnership Act of 2025
- 119-hr-4568: Supporting Upgraded Property Projects and Lending for Yards (SUPPLY) Act
- 119-hr-1422: Enhanced Iran Sanctions Act of 2025
- 119-hr-2102: Major Richard Star Act

## Sources
- [119-hr-9056 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/9056)

## Related
- [119-hr-6644: 21st Century ROAD to Housing Act](https://policyrisk.com/legislation/119-hr-6644)
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-1229: United States-Israel Defense Partnership Act of 2025](https://policyrisk.com/legislation/119-hr-1229)
- [119-hr-4568: Supporting Upgraded Property Projects and Lending for Yards (SUPPLY) Act](https://policyrisk.com/legislation/119-hr-4568)
- [119-hr-1422: Enhanced Iran Sanctions Act of 2025](https://policyrisk.com/legislation/119-hr-1422)
- [119-hr-2102: Major Richard Star Act](https://policyrisk.com/legislation/119-hr-2102)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-9056 (as of 2026-07-03).