United States 119th Congress Status: In Committee Bipartisan · 2 D · 1 R cosponsors

HR 5484 — National Flood Insurance Program Reauthorization and Reform Act of 2025

Last action — Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.

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  1. ✓
    Introduced
  2. 2
    In Committee
  3. 3
    Passed House
  4. 4
    Passed Senate
  5. 5
    To Executive
  6. 6
    Enacted

This bill is in committee in the House. Introduced September 18, 2025. It must pass committee before a floor vote.

Next likely step: a committee vote, then a floor vote in the House.

Prognosis

Advancing 36% · moderate confidence

Where this bill stands today.

Odds of enactment

Low

How often bills like it became law.

  • In Committee

    Current position in the legislative process.

  • 3 sponsors

    1 primary, 2 co-sponsors signed on.

  • Bipartisan support

    Sponsored across 2 parties (2 D · 1 R) — cross-party backing.

Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.

Bill Text

How this bill changes current law

5 changes Share ↗

Compared against current U.S. Code AI-generated reading aid — verify against the official bill.

The bill reauthorizes the National Flood Insurance Program and introduces provisions for premium increases, targeted assistance, and operational funding during lapses in appropriations.

  • 42 U.S.C. 4016(a)

    September 30, 2023 → September 30, 2030

    Extends the financing authority until September 30, 2030.

  • 42 U.S.C. 4026

    September 30, 2023 → September 30, 2030

    Extends the program expiration date to September 30, 2030.

  • 42 U.S.C. 4017(f)

    (1) In this paragraph, the term `period of a lapse in appropriations from the Fund' means a period, on or after the first day of a fiscal year, during which an appropriation Act for the fiscal year with respect to the Fund has not been enacted and continuing appropriations are not in effect for the fiscal year with respect to the Fund. (B) Notwithstanding paragraph (1), during a period of a lapse in appropriations from the Fund, amounts in the Fund not otherwise appropriated shall be available to the Administrator to carry out the flood insurance program under this title, subject to the same terms and conditions (except with respect to the period of availability), and in an amount not greater than the rate for operations, provided for the Fund in the most recently enacted regular or continuing appropriation Act.

    Clarifies funding availability during budget lapsed periods.

  • 42 U.S.C. 4015(e)

    During the 5-year period beginning on the date of enactment of this Act, notwithstanding section 1308(e) of the National Flood Insurance Act of 1968, as amended by this Act, the Administrator may not, in any year, increase the amount of any covered cost by an amount that is more than 9 percent.

    Caps annual premium increases to a maximum of 9% for five years.

  • 42 U.S.C. 4015

    subsection (h) → ``(h) Rule of Construction.--For purposes of this section, the calculation of an `average historical loss year' shall be computed in accordance with generally accepted actuarial principles.''.

    Replaces previous rule on calculating average historical loss years with a standard based on actuarial principles.

Action History

  1. Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.

  2. Introduced in House

  3. Introduced in House

  4. 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.

  5. 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.

  6. 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.

Sponsors

Sponsorship breakdown

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1 sponsors · 2 co-sponsors · 544 not signed on

Sponsors (1)

Co-sponsors (2)

Not signed on (544)

544 members have not signed on to this bill.

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"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Subjects

finance environment education
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

Who sponsors HR 5484?
HR 5484 is sponsored by Pallone, Frank (Democratic), Higgins, Clay (Republican), and Watson Coleman, Bonnie (Democratic).
What is the current status of HR 5484?
This bill is in committee in the House. Introduced September 18, 2025. It must pass committee before a floor vote.
Where can I track HR 5484?
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