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H.R. 2874: 21st Century Flood Reform Act

Nov 14, 2017 at 5:03 p.m. ET. On Passage of the Bill in the House.

This was a vote to pass H.R. 2874 (115th) in the House.

H.R. 2874 reauthorizes the National Flood Insurance Program (NFIP) for five years, introduces private market competition, and provides programmatic reform to help policyholders. An amendment in the nature of a substitute combines the amended text of H.R. 2874 with six additional Financial Services Committee reported NFIP bills: H.R. 1422H.R. 1558H.R. 2246H.R. 2565H.R. 2868, and H.R. 2875. High level provisions of the bill include:

  • Reauthorizes the NFIP for 5 years
  • Gives property owners more flexibility by ensuring there is a robust private market for flood insurance
  • Requires mitigation funding be prioritized for properties that have experienced repeated flood losses
  • Improves mapping technology to ensure policies are based on accurate information
  • Requires increased transparency, details, and  risk exposure to be conveyed between the Federal Emergency Management Agency and the flood insurance policy holder
  • Increases the threshold by which a property with excessive lifetime claims in removed from the NFIP, from twice the value of the structured to three times the value of the structure
  • Further protects multi-loss grandfathered properties by eliminating the counting of claims associated with flood events prior to enactment of the bill

An updated amendment would revise a section of the bill that would impose assessments on premiums to fill a reserve fund, drop a prohibition of coverage for homes worth more than $1 million and delay the implementation of an exemption for commercial properties subject to mandatory coverage requirements. A detailed summary sheet can be found here.

Source: Republican Policy Committee


All Votes R D
Yea 56%
Nay 44%
Not Voting

Passed. Simple Majority Required. Source:

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Republican - Yea Democrat - Yea Republican - Nay Democrat - Nay
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