Congress Delays Flood Insurance Increases

The U.S. House of Representatives has included a provision in its omnibus appropriations bill that would delay implementation of flood insurance rate increases for most homeowners with existing policies.

In 2012, Congress passed the Biggert-Waters Flood Insurance Reform Act (Act). The Act extended the National Flood Insurance Program (NFIP) for five years, but it also made significant reforms.  One of those reforms would substantially increase rates for many homeowners to make the NFIP more financially stable. 

The changes will mean premium rate increases for some, but not all, policyholders. Due to concerns over its many hurricane-prone cities in flood zones, the Louisiana Municipal Association has taken the lead in urging congress to at least delay implementation of the rate increases. 

With the assistance of the National League of Cities, the Texas Municipal League, and others, that effort led to a delay provision passing the House.  The bill now moves on to the Senate for consideration next week.


TML member cities may use the material herein for any purpose. No other person or entity may reproduce, duplicate, or distribute any part of this document without the written authorization of the Texas Municipal League.

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