# 119-s-1545: Repeatedly Flooded Communities Preparation Act

119-s-1545, Repeatedly Flooded Communities Preparation Act, is a 119th Congress bill sponsored by Sen. Scott, Tim [R-SC] (R-SC); status in_committee; PRIA reads it as touching household money (as of 2026-10-09).

- Canonical: https://policyrisk.com/legislation/119-s-1545
- As of: 2026-10-09
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-1545
- Congress: 119
- Title: Repeatedly Flooded Communities Preparation Act
- Status: in_committee
- Introduced: 2025-04-30
- Sponsor: Sen. Scott, Tim [R-SC] (R-SC)
- Cosponsors: 1
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-10-09

## Summary

**This bill would create a federal framework for _community accountability for repeatedly flooded areas_.** It sets rules for identifying communities with many repeat flood losses, requires local risk assessments and mitigation plans, and lets FEMA share claims data and apply sanctions when places do not make progress. - Families and households in affected towns would get public access to community plans and progress reports and would see targeted mitigation for repeatedly damaged homes and public facilities. Covered communities are those with at least 50 repetitive-loss structures, or 5 severe repetitive-loss structures, or a public or nonprofit facility that got multiple Stafford Act section 406 repairs in the last 10 years. - Local governments would have to map repeatedly damaged areas, assess ongoing risk with FEMA help, develop and implement community-specific mitigation plans, submit updates, and could face sanctions such as suspension or probation under the National Flood Insurance Program for insufficient progress. - FEMA would be required to provide claim address and date data on request, consider compliance when awarding federal assistance, issue implementing regulations within one year, and report to Congress starting six years after enactment and then at least every two years thereafter.

## Cosponsors (1)

- Sen. Schatz, Brian [D-HI] (D-HI), 2025-04-30T00:00:00.000Z

## Provisions PRIA read

- Rules for repeatedly flooded communities: mixed, medium. This bill would create rules for communities that take part in the federal flood insurance program and have lots of repeat flood damage. A community would be covered if it has at least 50 buildings with repeated claims (each with 2 claims in any 10-year period and more than $1,000 paid), or 5 sever…

## Related bills

- 119-s-1541: SHIPS for America Act of 2025
- 119-s-3923: Weather Research and Forecasting Innovation Reauthorization Act of 2026
- 119-s-2651: ROAD to Housing Act of 2025
- 119-s-5025: Lindsey O. Graham Sanctioning Russia Act of 2026
- 119-s-2709: Telehealth Modernization Act
- 119-s-2142: GOLDEN DOME Act of 2025

## Sources
- [119-s-1545 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/1545)

## Related
- [119-s-1541: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-s-1541)
- [119-s-3923: Weather Research and Forecasting Innovation Reauthorization Act of 2026](https://policyrisk.com/legislation/119-s-3923)
- [119-s-2651: ROAD to Housing Act of 2025](https://policyrisk.com/legislation/119-s-2651)
- [119-s-5025: Lindsey O. Graham Sanctioning Russia Act of 2026](https://policyrisk.com/legislation/119-s-5025)
- [119-s-2709: Telehealth Modernization Act](https://policyrisk.com/legislation/119-s-2709)
- [119-s-2142: GOLDEN DOME Act of 2025](https://policyrisk.com/legislation/119-s-2142)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-1545 (as of 2026-10-09).