Andrew Garbarino (R-NY)
Community Flood Resilience Act
A Republican bill with 2 Democratic cosponsors · See all 4 cosponsors
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 Community Flood Resilience Act directs the FEMA Administrator to allow certain grant recipients to use funds for community-based, parametric flood insurance premiums. This applies to States or communities receiving flood mitigation assistance for a five-year period. These private insurance policies use objective, predefined trigger conditions to provide prompt payouts. The bill aims to strengthen community financial resilience and increase insurance awareness. Additionally, the Administrator is tasked with conducting outreach regarding these policies. The authorization for these specific fund uses is set to expire after five years unless reauthorized by Congress.
Yes· 3 of 9
- Scored +4
Does this improve help for people hit by a disaster?
The bill allows FEMA grant recipients to use funds for faster, prompt insurance payouts without needing post-event damage assessments.
- Scored +3
Would business owners be better off under this?
The bill provides small businesses with faster, more transparent financial protection via parametric insurance triggers.
- Scored +3
Does this make it easier to run a small business?
The bill provides a mechanism for small businesses to access faster financial protection via parametric insurance after a flood event.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Faster Financial Protection: Community-based, parametric flood insurance can provide faster and more flexible financial protection because funds are disbursed promptly upon verification of a trigger condition without needing post-event damage assessments (Section 2; Section 3(a)(1)(D)).
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Increased Community Resilience: Using these policies can help strengthen the financial resilience of communities by providing an additional layer of protection for households and small businesses (Section 2; Section 3(a)(1)).
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Improved Insurance Awareness: The bill encourages greater engagement with private flood insurance markets and improves awareness in communities with high flood risk (Section 2; Section 3(b)(1)).
Potential Negative Impacts for People
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Basis Risk: There is a possibility that a triggering event may occur, but individual households or small businesses within the community may not receive financial relief (Section 3(c)(2)).
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Limited Use of Funds: The ability for a State or community to use flood mitigation assistance for these premiums is capped at not more than 15 percent of the assistance amounts each year (Section 3(a)(1)).
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Temporary Duration: The permission to use these funds for such insurance policies terminates five years after the Act's enactment unless Congress reauthorizes it (Section 3(a)(3)).
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 business owners be better off under this? — The bill provides small businesses with faster, more transparent financial protection via parametric insurance triggers. Would households on low incomes be better off under this? — The bill helps protect vulnerable households from the financial shocks of flooding through more flexible insurance options. Would middle-income households be better off under this? — The bill aims to bolster financial resilience for households facing significant flood risk. Would people in cities be better off under this? — Communities facing flood risk stand to benefit from more immediate liquidity following a disaster event.
- Economy And Finance
- Does this make it easier to run a small business? — The bill provides a mechanism for small businesses to access faster financial protection via parametric insurance after a flood event. Is this likely to grow the economy? — The bill aims to strengthen community financial resilience through supplemental risk transfer mechanisms.
- Environment Energy And Infrastructure
- Does this improve help for people hit by a disaster? — The bill allows FEMA grant recipients to use funds for faster, prompt insurance payouts without needing post-event damage assessments.
- Social Issues And Justice
- Does this make housing cost less? — By increasing financial resilience against floods, the bill helps protect the stability of household assets. Is this likely to lift people out of poverty? — Prompt insurance payouts can prevent households from falling into financial distress following natural disasters.
- 7/2/2026
- 1 Cosponsor added.
- 6/3/2026
- 2 Cosponsors added.
- 5/29/2026
- Referred to the House Committee on Financial Services.
- 1 Cosponsor added.
- Introduced in House
Michael LawlerRepublican · New York
Gregory MeeksDemocrat · New York
Maria SalazarRepublican · Florida
Darren SotoDemocrat · Florida