# 119-s-2313: Flood Insurance Relief Act

119-s-2313, Flood Insurance Relief Act, 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-2313
- 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-2313
- Congress: 119
- Title: Flood Insurance Relief Act
- Status: introduced
- Introduced: 2025-07-16
- Sponsor: Sen. Scott, Rick [R-FL] (R-FL)
- Cosponsors: 1
- Policy area: Taxation
- Touches household money: yes
- Last recorded action: 2025-12-21

## Summary

**Creates an above-the-line deduction for flood insurance premiums** that eligible individual taxpayers would claim when calculating adjusted gross income (AGI). The deduction would be limited to filers with adjusted gross income of $200,000 or less for single taxpayers and $400,000 or less for joint filers and the bill defines which federal fees and surcharges count as qualified premiums. - Homeowners and renters who pay flood insurance would be able to deduct those qualified premiums when computing AGI if they meet the income caps, moving those costs ahead of AGI for tax purposes. - The bill updates cross-references across the tax code so the new Section 224 is included in related AGI-based computations, making the deduction interact with other tax rules tied to AGI.

## Cosponsors (1)

- Sen. Moody, Ashley [R-FL] (R-FL), 2025-07-16T00:00:00.000Z

## Provisions PRIA read

- Flood insurance tax deduction for homeowners: benefit, high. If enacted, you would be able to deduct flood insurance premiums you paid for property you own. This would be an above-the-line deduction that reduces your adjusted gross income. It would only be available if your AGI is $200,000 or less for single filers. For joint filers, the limit would be $400,…

## 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-2936: Stop ANTIFA Act of 2025
- 119-s-1961: LAUNCH Act
- 119-s-275: Veterans’ Assuring Critical Care Expansions to Support Servicemembers (ACCESS) Act of 2025

## Sources
- [119-s-2313 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/2313)

## 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-2936: Stop ANTIFA Act of 2025](https://policyrisk.com/legislation/119-s-2936)
- [119-s-1961: LAUNCH Act](https://policyrisk.com/legislation/119-s-1961)
- [119-s-275: Veterans’ Assuring Critical Care Expansions to Support Servicemembers (ACCESS)…](https://policyrisk.com/legislation/119-s-275)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-2313 (as of 2025-12-21).