S.2313 would create a new above-the-line federal tax deduction for certain flood insurance costs. It would apply only to eligible taxpayers under set income limits and only for property they own. The bill changes tax treatment, not flood insurance rules.
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.
Flood Insurance Relief Act is a Senate bill in committee. The latest recorded action: Read twice and referred to the Committee on Finance.
Latest action on S. 2313: Read twice and referred to the Committee on Finance.
Who this affects: The bill mainly affects people who own property and pay flood insurance premiums, especially households in flood-risk areas. It also affects taxpayers whose income is close to the bill’s cutoff levels, private insurers and NFIP policyholders whose payments may qualify, and tax administrators who would need to apply the new deduction rules.
Why this matters: Flood insurance can be a major yearly cost, especially for people in places where flooding is a real risk or where a mortgage lender requires coverage. By allowing a deduction, the bill could lower federal income tax bills for some households that buy flood insurance. Because the deduction is above the line, it may also affect other tax rules tied to adjusted gross income. The bill could make flood insurance more attractive for some people, but the size of that effect is uncertain and would depend on each household’s tax situation and premium costs.
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.
Officially: Flood Insurance Relief Act
S.2313 would create a new above-the-line federal tax deduction for certain flood insurance costs. It would apply only to eligible taxpayers under set income limits and only for property they own. The bill changes tax treatment, not flood insurance rules.
Use this page to support, oppose, or ask Congress to amend S2313. Modern Action explains Flood Insurance Relief Act in plain English, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
Sitting in Finance
No vote scheduled. Constituent contact is what moves bills out of committee.
↓ Why your message matters here
This bill is sitting in committee with no scheduled vote — which means a small number of constituent messages can decide whether it moves forward or quietly dies.
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The debate
Where this bill is in the process
Introduced
Introduced in Senate
Senate Committee
Under Senate committee consideration
Latest: Read twice and referred to the Committee on Finance. (7/16/2025)
Senate Floor Vote
Voted on by Senate
Passed Senate
Approved by Senate
House Review
Sent to House for consideration
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
For more detail
Choose one clear position: support, oppose, or amend. Then pick any reasons or personal context you want included. Modern Action uses that input and the bill context to draft a message you can edit and send.
Congressional offices prioritize messages from their own constituents. Modern Action uses your address to route the drafted message to your senators when that is the most relevant target for this bill.
The draft includes the bill number, your position, the reasons you selected, any personal context you added, and a direct ask such as voting yes, voting no, cosponsoring, opposing, or seeking changes. You stay in control because you can edit the message before sending.
This page gives you an opportunity to support, oppose, or ask for changes to Flood Insurance Relief Act, then contact the elected officials who can act. Modern Action drafts the message from your position and the reasons you select.
Modern Action keeps the action tied to the bill itself: what it would do, where it is in the process (committee), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around S2313, your stance, and the reasons you choose, then lets you edit and send when ready.
