# 119-s-2054: Flood Insurance Consumer Choice Act of 2025

119-s-2054, Flood Insurance Consumer Choice Act of 2025, is a 119th Congress bill sponsored by Sen. Scott, Rick [R-FL] (R-FL); status introduced; PRIA reads it as touching household money (as of 2025-12-21).

- Canonical: https://policyrisk.com/legislation/119-s-2054
- As of: 2025-12-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-2054
- Congress: 119
- Title: Flood Insurance Consumer Choice Act of 2025
- Status: introduced
- Introduced: 2025-06-12
- Sponsor: Sen. Scott, Rick [R-FL] (R-FL)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2025-12-21

## Summary

**Count private flood insurance as continuous coverage for the National Flood Insurance Program.** This bill would require the NFIP Administrator to treat time a property was covered by private-market flood insurance that satisfied the Flood Disaster Protection Act purchase rule as continuous coverage for any statutory, regulatory, or administrative continuity checks, including section 1307(g)(1), letting homeowners who switch to private policies return to the NFIP without continuity penalties.

## Provisions PRIA read

- Homeowners: private flood insurance counts: benefit, medium. If enacted, this bill would require the NFIP Administrator to treat time your property was covered by a private flood insurance policy as continuous coverage when applying any continuous-coverage rule. This only applies if the private policy was used to meet the mandatory purchase rule under sectio…

## Related bills

- 119-s-2120: Older Americans Act Reauthorization Act of 2025
- 119-s-1541: SHIPS for America Act of 2025
- 119-s-1748: Kids Online Safety Act
- 119-s-4782: ReportScams.gov Act
- 119-s-4280: SAFE Act
- 119-s-690: Overdose RADAR Act

## Sources
- [119-s-2054 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/2054)

## Related
- [119-s-2120: Older Americans Act Reauthorization Act of 2025](https://policyrisk.com/legislation/119-s-2120)
- [119-s-1541: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-s-1541)
- [119-s-1748: Kids Online Safety Act](https://policyrisk.com/legislation/119-s-1748)
- [119-s-4782: ReportScams.gov Act](https://policyrisk.com/legislation/119-s-4782)
- [119-s-4280: SAFE Act](https://policyrisk.com/legislation/119-s-4280)
- [119-s-690: Overdose RADAR Act](https://policyrisk.com/legislation/119-s-690)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-2054 (as of 2025-12-21).