Robert Bresnahan (R-PA)
National Flood Insurance Program Affordability Act
A Republican bill with 1 Democratic 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
The National Flood Insurance Program Affordability Act aims to create a means-tested assistance program for those with flood insurance. Under this bill, the FEMA Administrator would establish a system providing graduated discounts on insurance costs for eligible policyholders. Eligibility includes certain people, small businesses, and not-for-profit organizations. The program is funded by an annual $250,000,000 appropriation. The bill also addresses requirements for monthly installment payments for premiums.
Yes· 3 of 7
- Scored +7
Would households on low incomes be better off under this?
The bill provides financial relief through graduated discounts for households earning up to 120 percent of the area median income.
- Scored +6
Does this make it easier to run a small business?
The bill provides graduated insurance discounts for small businesses with fewer than 100 employees that meet a hardship metric.
- Scored +5
Would business owners be better off under this?
Small business owners with fewer than 100 employees can qualify for insurance discounts via a hardship metric.
The opposite
- Scored -1
Does this reduce what the federal government spends?
The bill increases government spending through a $250,000,000 annual appropriation for insurance discounts.
Who it would affect, and how
Potential Positive Impacts for People
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Lower Insurance Costs for Individuals: The bill establishes graduated discounts so that a chargeable premium rate for an eligible policyholder does not exceed 1 percent of the area median income (Section 2(b)).
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Support for Small Businesses and Non-Profits: The Administrator is tasked with creating a hardship metric to allow small businesses with no more than 100 employees and not-for-profit organizations to qualify for assistance (Section 2(d) and Section 4(3)).
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Predictable Assistance Funding: The bill provides an annual appropriation of $250,000,000 to carry out the program (Section 2(f)(1)).
Potential Negative Impacts for People
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Limited Availability of Funds: Assistance may no longer be available once the appropriated amounts for a fiscal year have been fully spent (Section 2(c)).
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Strict Income Requirements for Individuals: To be considered an eligible policyholder, a person's household income must not be more than 120 percent of the area median income for their location (Section 4(3)(A)(ii)).
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.
- Demographic And Interest Groups
- Would households on low incomes be better off under this? — The bill provides financial relief through graduated discounts for households earning up to 120 percent of the area median income. Would business owners be better off under this? — Small business owners with fewer than 100 employees can qualify for insurance discounts via a hardship metric. Would middle-income households be better off under this? — The bill assists middle-income households by capping flood insurance costs relative to their local area median income. Would people in cities be better off under this? — The bill provides insurance relief to residents in any area where the median income falls within the eligibility threshold.
- Economy And Finance
- Does this make it easier to run a small business? — The bill provides graduated insurance discounts for small businesses with fewer than 100 employees that meet a hardship metric. Does this reduce what the federal government spends? — The bill increases government spending through a $250,000,000 annual appropriation for insurance discounts.
- Environment Energy And Infrastructure
- Does this improve help for people hit by a disaster? — The bill enhances FEMA's flood insurance program by providing means-tested discounts to eligible policyholders.
- Social Issues And Justice
- Is this likely to lift people out of poverty? — The bill helps lower-income households by capping flood insurance premium rates at 1 percent of the area median income.
- 12/30/2025
- Referred to the House Committee on Financial Services.
- 1 Cosponsor added.
- Introduced in House
Eugene VindmanDemocrat · Virginia