# 119-s-1564: Floodplain Enhancement and Recovery Act

119-s-1564, Floodplain Enhancement and Recovery Act, is a 119th Congress bill sponsored by Sen. Murray, Patty [D-WA] (D-WA); status passed_senate; PRIA reads it as touching household money (as of 2026-10-16).

- Canonical: https://policyrisk.com/legislation/119-s-1564
- As of: 2026-10-16
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-1564
- Congress: 119
- Title: Floodplain Enhancement and Recovery Act
- Status: passed_senate
- Introduced: 2025-05-01
- Sponsor: Sen. Murray, Patty [D-WA] (D-WA)
- Cosponsors: 3
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-10-16

## Summary

**Restoring natural floodplain functions** is the bill's central aim. It would create a legal category called "ecosystem restoration projects", make them eligible for certain floodplain and flood-insurance flexibilities, and cut some fees for map changes. - Communities: Could approve an ecosystem restoration project inside an adopted regulatory floodway that raises the base flood elevation if a professional engineer finds the cumulative increase is no more than 1 foot or a larger metric the FEMA Administrator sets. No insurable structure or critical infrastructure may be adversely affected and the community must submit a post-completion analysis within 180 days. - Project sponsors: Would not have to pay review or processing fees when requesting flood insurance rate map changes based on an ecosystem restoration project. - Federal coordination and rules: The FEMA Administrator must issue guidance within 180 days after enactment after consulting covered federal and state natural resource agencies, and the bill updates HFIAA section language and the table of contents.

## Cosponsors (3)

- Sen. Daines, Steve [R-MT] (R-MT), 2025-05-01T00:00:00.000Z
- Sen. Tillis, Thomas [R-NC] (R-NC), 2026-04-15T00:00:00.000Z
- Sen. Alsobrooks, Angela D. [D-MD] (D-MD), 2026-04-15T00:00:00.000Z

## Provisions PRIA read

- No fees for restoration-based flood map changes: benefit, low. A requester would not pay FEMA review or processing fees for a flood map change that is based on an ecosystem restoration project. Homeowners, landowners, developers, and restoration sponsors could use this when the map change request relies on such a project. It would take effect upon enactment.
- Restoration allowed in floodways, with limits: mixed, medium. Communities would be allowed to approve ecosystem restoration projects in a regulatory floodway, even if they raise base flood levels, if an engineer finds the total effect would not raise the base flood water surface by more than 1 foot unless FEMA sets a higher amount. No insurable structure or c…

## Related bills

- 119-s-4744: Take Care of America’s Veterans Act
- 119-s-1241: Sanctioning Russia Act of 2025
- 119-s-199: A bill to amend the Internal Revenue Code of 1986 to provide special rules for the taxation of certain residents of Taiwan with income from sources within the…
- 119-s-1261: CONNECT for Health Act of 2025
- 119-s-1677: Ensuring Lasting Smiles Act
- 119-s-1289: 25th Anniversary of 9/11 Commemorative Coin Act

## Sources
- [119-s-1564 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/1564)

## Related
- [119-s-4744: Take Care of America’s Veterans Act](https://policyrisk.com/legislation/119-s-4744)
- [119-s-1241: Sanctioning Russia Act of 2025](https://policyrisk.com/legislation/119-s-1241)
- [119-s-199: A bill to amend the Internal Revenue Code of 1986 to provide special rules for…](https://policyrisk.com/legislation/119-s-199)
- [119-s-1261: CONNECT for Health Act of 2025](https://policyrisk.com/legislation/119-s-1261)
- [119-s-1677: Ensuring Lasting Smiles Act](https://policyrisk.com/legislation/119-s-1677)
- [119-s-1289: 25th Anniversary of 9/11 Commemorative Coin Act](https://policyrisk.com/legislation/119-s-1289)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-1564 (as of 2026-10-16).