Contact Congress about H.R. 5484: National Flood Insurance Program Reauthorization and Reform Act of 2025
The bill would extend federal flood insurance through September 30, 2030. It would cap many yearly cost increases, help some lower-income homeowners, fund more flood-proofing work, and add stronger claim 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 2025 is a House bill in committee. The latest recorded action: Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.
Latest action on H.R. 5484: Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.
Who this affects: This bill mainly affects people who own, rent, buy, or insure property in places with flood risk. It also affects FEMA, states, tribal governments, local communities, insurance agents, private insurers that service NFIP policies, and lenders that work with insured properties. The biggest changes would be in premiums, flood-risk information, mitigation funding, property disclosures, and claim disputes.
Why this matters: Flood insurance can be hard to afford, and flood damage can destroy a household's finances. This bill would try to ease price shocks while also pushing more money into reducing future damage. It could make claims and flood maps feel fairer to policyholders. But it could also shift more costs to federal funding and make the program more complex to run.
Key provisions in H.R. 5484
- The bill keeps NFIP borrowing and program authority in place until September 30, 2030. It applies back to avoid a gap after September 30, 2023.
- NFIP could keep doing basic work during a federal funding lapse. It would use money already in the fund and spend at the prior year's operating rate.
- Many NFIP policy costs could not rise more than 9 percent per year for five years. This covers premiums, most surcharges, and certain fees until the property reaches its full risk-based price.
- The bill creates Flood Insurance Assistance for some primary homes. Households could get income-based discounts if their income is at or below 140 percent of the area median income, with funding rising from $250 million in fiscal year 2024 to $600 million in fiscal year 2028.
- The bill raises Increased Cost of Compliance coverage to $120,000 per property. This money helps pay for flood-safety work, and the bill adds some pre-disaster projects and buyouts with strict open-space and insurance rules.
How Modern Action helps you take action on H.R. 5484
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. 5484
- What is H.R. 5484?
- The bill would extend federal flood insurance through September 30, 2030. It would cap many yearly cost increases, help some lower-income homeowners, fund more flood-proofing work, and add stronger claim rights.
- How do I support or oppose H.R. 5484?
- 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. 5484?
- 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. 5484 before I act?
- Yes. Modern Action gives you a plain-English summary, current status, and action context before you send anything.
