Kathy Castor (D-FL)
To amend the National Flood Insurance Act of 1968 to allow for the consideration of private flood insurance for the purposes of applying continuous coverage requirements, and for other purposes.
A Democratic bill with 1 Republican cosponsor · See the cosponsor
Last activity — Referred to the House Committee on Financial Services.
In committee
Introduced and handed to a committee in the chamber it started in.
The committee holds it, and most bills are never heard from again. A hearing or a committee vote would be news; silence is the usual outcome, and it kills the bill without anyone voting against it.
Its path through Congress
- Introduced
- In Committee
What this bill would do
This bill proposes an amendment to the National Flood Insurance Act of 1968. It seeks to change how continuous coverage requirements are calculated. Specifically, it would allow the Administrator to count time spent under a private flood insurance policy toward those requirements. This would apply to statutory, regulatory, or administrative continuous coverage requirements. The change would include coverage used to satisfy requirements under the Flood Disaster Protection Act of 1973.
Yes· 3 of 4
- Scored +2
Does this make it easier to run a small business?
The bill provides more flexibility in meeting flood insurance coverage requirements by allowing private market policies to count toward continuous coverage.
- Scored +2
Does this improve help for people hit by a disaster?
The bill eases the administrative burden of maintaining continuous coverage requirements through the integration of private flood insurance.
- Scored +1
Would middle-income households be better off under this?
The bill provides more options for meeting continuous insurance coverage requirements through the private market.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
- Recognition of Private Insurance: The bill allows the Administrator to consider periods where a property was covered by a private market flood insurance policy as part of continuous coverage requirements. This provides more flexibility for those using private insurance instead of the national flood insurance program (Section 1).
Potential Negative Impacts for People
- No negative impacts are explicitly stated in the provided text.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Tap or hover a score for the reason it gave.
- Economy And Finance
- Does this make it easier to run a small business? — The bill provides more flexibility in meeting flood insurance coverage requirements by allowing private market policies to count toward continuous coverage.
- Environment Energy And Infrastructure
- Does this improve help for people hit by a disaster? — The bill eases the administrative burden of maintaining continuous coverage requirements through the integration of private flood insurance.
- Demographic And Interest Groups
- Would middle-income households be better off under this? — The bill provides more options for meeting continuous insurance coverage requirements through the private market.
- Social Issues And Justice
- Does this make housing cost less? — By allowing private flood insurance to satisfy continuous coverage requirements, the bill may reduce insurance-related barriers for homeowners.
- 12/11/2025
- Referred to the House Committee on Financial Services.
- 1 Cosponsor added.
- Introduced in House
Maria SalazarRepublican · Florida