What does Preamble of Community Flood Resilience Act do?

This bill, formally titled 'To direct the Administrator of the Federal Emergency Management Agency to allow certain recipients of the Flood Mitigation Assistance Grant, and other grants, to be used for the payment of premiums for a community-based, parametric flood insurance policy, and for other purposes,' aims to modify how grant funds can be used. The bill would direct the Administrator of the Federal Emergency Management Agency to permit certain grant recipients to use funds for paying premiums on community-based, parametric flood insurance policies. The bill's purpose includes allowing the use of grants for parametric flood insurance premiums, alongside other purposes.

What does SHORT TITLE. of Community Flood Resilience Act do?

This bill is formally titled the Community Flood Resilience Act.

What does SENSE OF CONGRESS. of Community Flood Resilience Act do?

This section expresses the sense of Congress regarding flood risk and insurance. Congress notes that many communities with significant flood risk have low participation in the National Flood Insurance Program. There is a perceived need to encourage engagement with private flood insurance and improve insurance awareness in high-risk communities. Community-based parametric flood insurance is seen as potentially offering faster and more flexible financial protection. It is suggested that this type of insurance could strengthen community financial resilience and provide an additional layer of protection for households and small businesses.

What does USE OF FLOOD MITIGATION ASSISTANCE GRANT AMOUNTS FOR PREMIUMS of Community Flood Resilience Act do?

This section allows States and communities receiving flood mitigation assistance to use up to 15% of those funds annually for premiums on community-based, parametric flood insurance policies for a 5-year period. These parametric policies must be offered by the private sector, utilize objective trigger conditions based on measurable flood metrics, and provide prompt payouts upon verification of a triggering event. States and communities using these funds must submit annual reports detailing their efforts to promote NFIP enrollment, educate the community about policy limitations, encourage flood-risk mitigation, and support households and small businesses. The Administrator is directed to conduct outreach to communities regarding these insurance policies and allow the use of other grant amounts for premium payments. Policies must include disclosures explaining trigger conditions, basis risk, and how they differ from the National Flood Insurance Program. The Administrator must submit reports to Congress analyzing changes in NFIP policies, product types, claim payout effectiveness, and provide legislative recommendations.

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Community Flood Resilience Act

Last updated: 5/29/2026 · Introduced: 5/29/2026

Author: Andrew Garbarino (R-NY)

TL;DR (AI)

The bill allows states and communities receiving flood mitigation assistance grants to use up to 15% of those funds annually for community-based, parametric flood insurance premiums for five years.
Grant recipients utilizing these funds must actively promote National Flood Insurance Program enrollment, educate communities about policy limitations, and encourage flood-risk mitigation.
The Federal Emergency Management Agency Administrator is directed to conduct outreach regarding these insurance policies and report to Congress on their effectiveness and impact on the National Flood Insurance Program.

119th Congressin committeeOfficial page

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Includes provisions on preamble, short title., and 2 more.

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