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.

[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 6620 Introduced in House (IH)]

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119th CONGRESS
  1st Session
                                H. R. 6620

  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.


_______________________________________________________________________


                    IN THE HOUSE OF REPRESENTATIVES

                           December 11, 2025

  Ms. Castor of Florida (for herself and Ms. Salazar) introduced the 
   following bill; which was referred to the Committee on Financial 
                                Services

_______________________________________________________________________

                                 A BILL


 
  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.

    Be it enacted by the Senate and House of Representatives of the 
United States of America in Congress assembled,

SECTION 1. EFFECT OF PRIVATE FLOOD INSURANCE COVERAGE ON CONTINUOUS 
              COVERAGE REQUIREMENTS.

    Section 1308 of the National Flood Insurance Act of 1968 (42 U.S.C. 
4015) is amended by adding at the end the following:
    ``(n) Effect of Private Flood Insurance Coverage on Continuous 
Coverage Requirements.--For purposes of applying any statutory, 
regulatory, or administrative continuous coverage requirement, 
including under section 1307(g)(1), the Administrator shall consider 
any period during which a property was continuously covered by a flood 
insurance policy, either offered through the national flood insurance 
program or private market, that was used to satisfy the requirements 
under section 102(a) of the Flood Disaster Protection Act of 1973 (42 
U.S.C. 4012a(a)) to be a period of continuous coverage.''.
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