Bill > S1545

This bill amends the National Flood Insurance Act to establish new requirements for communities that experience repeated flood damage. Specifically, the bill defines a "covered community" as one with at least 50 repetitive loss structures, 5 severe repetitive loss structures without mitigation, or public/nonprofit facilities that have received disaster assistance multiple times in a 10-year period. These communities would be required to: identify areas prone to repeated flooding, assess ongoing flood risks, develop a community-specific mitigation plan, submit and implement the plan, and make the plan publicly available. The Federal Emergency Management Agency (FEMA) would provide data and assistance to help communities create these plans and may offer mitigation grants. The bill also includes potential sanctions for communities that fail to comply, which could include suspension or probation from the national flood insurance program. FEMA would be required to provide notice and recommendations before imposing sanctions, and would consider a community's available resources when determining appropriate penalties. Additionally, FEMA must report to Congress every two years on the progress communities are making in implementing their flood mitigation plans, with the first report due six years after the bill's enactment.

Housing and Urban Affairs

https://www.congress.gov/bill/119th-congress/senate-bill/1545/all-info