United States 116th Congress Status: In Committee Bipartisan · 16 D · 3 R cosponsors

HR 3872 — National Flood Insurance Program Reauthorization and Reform Act of 2019

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

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

This bill died with 116th Congress. It reached “In Committee” and never advanced before the session ended, so it can no longer move — a new version would have to be reintroduced in the current session.

This bill is no longer active — its legislative session has ended, so there are no live odds of enactment. It would have to be reintroduced in the current session to move again.

Summary

National Flood Insurance Program Reauthorization and Reform Act of 2019 This bill generally revises the National Flood Insurance Program (NFIP) and reauthorizes the program through FY2024. The bill addresses NFIP coverage, cost, and availability, including by 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 the Affordability Assistance Fund to provide financial assistance to low income households through vouchers, grants, or premium credits; and revising standards and certification requirements for flood insurance rate maps. The bill also revises administrative provisions of NFIP, including by allowing for the continuous operation of 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 a state revolving fund for flood mitigation activities and also provides for loans, grants, and other incentives regarding mitigation.

Bill Text

How this bill changes current law

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

The bill extends the National Flood Insurance Program expiration date and introduces various provisions for affordability and reauthorization.

  • 42 U.S.C. 4016(a)

    September 30, 2019 → September 30, 2024

    Extends the expiration date for flood insurance contracts from September 30, 2019, to September 30, 2024.

  • 42 U.S.C. 4026

    September 30, 2019 → September 30, 2024

    Prolongs the prohibition on new flood insurance contracts from September 30, 2019, to September 30, 2024.

  • 42 U.S.C. 4017A(a)(2)

    (D) for the purpose described in section 1310(g).

    Allows amounts in the National Flood Insurance Reserve Fund to be credited to the National Flood Insurance Fund for entering into contracts during lapses in appropriations.

  • 42 U.S.C. 4015(e)

    During the 5-year period beginning on the date of enactment of this Act, and notwithstanding section 1308(e), the Administrator may not, in any year, increase the amount of any covered cost by an amount that is more than 9 percent, as compared with the amount of the covered cost during the previous year.

    Caps annual premium increases for flood insurance policies to 9%.

  • 42 U.S.C. 4015

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

    Modifies the calculation method for determining an 'average historical loss year' to align with actuarial principles.

  • 42 U.S.C. 4011 et seq.

    ``SEC. 1326. AFFORDABILITY ASSISTANCE."

    Establishes an Affordability Assistance Fund to provide financial support to low-income households struggling with flood insurance costs.

  • 42 U.S.C. 4015(g)

    "(1) Annual or monthly option.--Subject to paragraph (2), with respect to"

    Introduces the option for policyholders to pay premiums either annually or monthly.

Action History

  1. Introduced in House

  2. Introduced in House

  3. Referred to the Committee on Financial Services, and in addition to the Committee on Transportation and Infrastructure, 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.

  4. Referred to the Committee on Financial Services, and in addition to the Committee on Transportation and Infrastructure, 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 Subcommittee on Economic Development, Public Buildings, and Emergency Management.

Sponsors

Sponsorship breakdown

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1 sponsors · 18 co-sponsors · 528 not signed on

Sponsors (1)

Co-sponsors (18)

Not signed on (528)

528 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 housing
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Frequently asked questions

What does HR 3872 do?
National Flood Insurance Program Reauthorization and Reform Act of 2019 This bill generally revises the National Flood Insurance Program (NFIP) and reauthorizes the program through FY2024. The bill addresses NFIP coverage, cost, and availability, including by 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 the Affordability Assistance Fund to provide financial assistance to low income households through vouchers, grants, or premium credits; and revising standards and certification requirements for flood insurance rate maps. The bill also revises administrative provisions of NFIP, including by allowing for the continuous operation of 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 a state revolving fund for flood mitigation activities and also provides for loans, grants, and other incentives regarding mitigation.
Who sponsors HR 3872?
HR 3872 is sponsored by Pallone, Frank (Democratic), Higgins, Clay (Republican), Pascrell, Bill (Democratic), Sherrill, Mikie (Democratic), Van Drew, Jefferson (Republican), Sires, Albio (Democratic), Norcross, Donald (Democratic), Malinowski, Tom (Democratic), Watson Coleman, Bonnie (Democratic), Mucarsel-Powell, Debbie (Democratic), Crist, Charlie (Democratic), Payne, Donald M. (Democratic), Kim, Andy (Democratic), Smith, Christopher H. (Republican), Murphy, Stephanie N. (Democratic), Gottheimer, Josh (Democratic), Rose, Max (Democratic), Cartwright, Matt (Democratic), and Hastings, Alcee L. (Democratic).
What is the current status of HR 3872?
This bill died with 116th Congress. It reached “In Committee” and never advanced before the session ended, so it can no longer move — a new version would have to be reintroduced in the current session.
Where can I track HR 3872?
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