Contact Congress about H.R. 4349: National Flood Insurance Program Reauthorization and Reform Act of 2023
The bill would keep federal flood insurance running through 2028. It would cap most yearly price hikes, add income-based discounts, fund more flood-risk fixes, and give policyholders stronger claims rights.
Modern Action explains legislation in plain English, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.
National Flood Insurance Program Reauthorization and Reform Act of 2023 is a House bill in Congress.
Who this affects: This bill mainly affects people who buy or need federal flood insurance, especially homeowners, renters, small businesses, and property buyers in flood-prone areas. It also affects lenders, real estate markets, insurance agents, local governments, states, tribes, FEMA, and private insurers that help run NFIP policies.
Why this matters: Flood insurance can decide whether a family can buy, keep, or repair a home in a flood-risk area. This bill would try to keep that coverage available while slowing sharp price hikes for some people. It would also spend more money on projects meant to prevent repeat flood damage. The tradeoff is that the bill could raise federal spending and may slow the move toward prices that fully match each property’s flood risk.
Key provisions in H.R. 4349
- The bill keeps NFIP funding and authority in place through September 30, 2028. If it passes after a lapse, it applies back to the lapse date, and the program can keep running during funding gaps by using money already in its accounts at prior spending levels.
- For five years, most yearly increases in NFIP premiums, fees, and surcharges could not go above 9%. Prices could still go down, and a few exceptions would still apply.
- The bill creates income-based flood insurance help for households making up to 140% of area median income. Discounts would rise or fall by income, and Congress would authorize $250 million to $600 million each year from fiscal years 2024 through 2028, plus any savings from lower payments to Write Your Own insurers.
- The bill raises Increased Cost of Compliance coverage, or extra NFIP money for required flood-risk fixes, to as much as $120,000 per property. It also lets that money pay for pre-disaster work and some buyouts or moves, but bought-out land must stay open space and cannot get more federal aid for new development.
- The President must set aside money for NFIP mitigation grants equal to 10% of the Disaster Relief Fund’s average funding over the past 10 years. The grants would target severe repeat-flood properties and properties with the biggest Risk Rating 2.0 risk increases.
How Modern Action helps you take action on H.R. 4349
You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.
Questions people ask about H.R. 4349
- What is H.R. 4349?
- The bill would keep federal flood insurance running through 2028. It would cap most yearly price hikes, add income-based discounts, fund more flood-risk fixes, and give policyholders stronger claims rights.
- How do I support or oppose H.R. 4349?
- Choose support, oppose, or ask for changes on Modern Action. The action flow drafts the message for you and keeps the wording tied to this bill.
- Who should I contact about H.R. 4349?
- Modern Action uses your location to route the action to the congressional offices relevant to the bill and your representation.
- Can Modern Action explain H.R. 4349 before I act?
- Yes. Modern Action gives you a plain-English summary, current status, and action context before you send anything.
