Community Flood Resilience Act
Sponsored By: Representative Garbarino, Andrew R. [R-NY-2]
Introduced
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.
Show full summary
- 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.
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 0 benefits, 0 costs, 1 mixed.
FEMA grants for parametric community flood insurance
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 post-event damage checks or extra FEMA approval. If grant funds pay the premiums, policies would need a written disclosure explaining triggers, basis risk, and how the policy differs from National Flood Insurance Program coverage. Communities using the funds would file a yearly report to FEMA, and FEMA would do outreach and send reports to Congress at 1, 3, and 5 years.
Sponsors & CoSponsors
Sponsor
Garbarino, Andrew R. [R-NY-2]
NY • R
Cosponsors
Rep. Meeks, Gregory W. [D-NY-5]
NY • D
Sponsored 5/29/2026
Rep. Salazar, Maria Elvira [R-FL-27]
FL • R
Sponsored 6/3/2026
Rep. Lawler, Michael [R-NY-17]
NY • R
Sponsored 6/3/2026
Rep. Soto, Darren [D-FL-9]
FL • D
Sponsored 7/2/2026
Roll Call Votes
No roll call votes available for this bill.
View on Congress.gov