H.R. 6620

[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 6620 Introduced in House (IH)]

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119th CONGRESS
1st Session
H. R. 6620

To amend the National Flood Insurance Act of 1968 to allow for the 
consideration of private flood insurance for the purposes of applying 
continuous coverage requirements, and for other purposes.

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IN THE HOUSE OF REPRESENTATIVES

December 11, 2025

Ms. Castor of Florida (for herself and Ms. Salazar) introduced the 
following bill; which was referred to the Committee on Financial 
Services

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A BILL

To amend the National Flood Insurance Act of 1968 to allow for the 
consideration of private flood insurance for the purposes of applying 
continuous coverage requirements, and for other purposes.

Be it enacted by the Senate and House of Representatives of the 
United States of America in Congress assembled,

SECTION 1. EFFECT OF PRIVATE FLOOD INSURANCE COVERAGE ON CONTINUOUS 
COVERAGE REQUIREMENTS.

Section 1308 of the National Flood Insurance Act of 1968 (42 U.S.C. 
4015) is amended by adding at the end the following:
``(n) Effect of Private Flood Insurance Coverage on Continuous 
Coverage Requirements.--For purposes of applying any statutory, 
regulatory, or administrative continuous coverage requirement, 
including under section 1307(g)(1), the Administrator shall consider 
any period during which a property was continuously covered by a flood 
insurance policy, either offered through the national flood insurance 
program or private market, that was used to satisfy the requirements 
under section 102(a) of the Flood Disaster Protection Act of 1973 (42 
U.S.C. 4012a(a)) to be a period of continuous coverage.''.
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