PlainBillCongress, translated.Legislation. Context. Public interest.Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.
Congressional Research Service
Version 00 · Introduced in House · Nov 1, 2021
National Flood Insurance Program Reauthorization and Reform Act of 2021
This bill generally revises the National Flood Insurance Program (NFIP) and reauthorizes the program through FY2026.
The bill addresses NFIP coverage, cost, and availability, including by
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generally prohibiting the Federal Emergency Management Agency (FEMA) from raising certain premiums, surcharges, and fees more than 9% a year for five years;
revising flood insurance coverage limits;
establishing a means-tested program to provide financial assistance to low income households through policy discounts; and
revising standards and certification requirements for flood insurance rate maps.
The bill also revises administrative provisions of the NFIP, including by
allowing for the continuous operation of the NFIP during a lapse in appropriations, and
prohibiting the Department of the Treasury from charging FEMA interest for NFIP debt for five years.
The bill sets forth requirements for Write Your Own companies related to reimbursements, agent commissions, and penalties for underpayment of claims. (A Write Your Own company writes and services federal standard flood insurance policies in its own name.)
The bill establishes state or tribal government revolving funds for flood mitigation activities and also provides for loans, grants, and other incentives regarding mitigation.
People & committees
Rep. Pallone, Frank, Jr. [D-NJ-6] · D–NJ
Legislative record
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Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.
Referred to the Committee on Financial Services, and in addition to the Committees on Transportation and Infrastructure, and Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Referred to the Committee on Financial Services, and in addition to the Committees on Transportation and Infrastructure, and Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Referred to the Committee on Financial Services, and in addition to the Committees on Transportation and Infrastructure, and Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Introduced in House
Introduced in House
Primary sources
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Source last updated: Jan 21, 2026. Consult Congress.gov for the current record.
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