The House of Representatives on Tuesday voted 237-189 to pass the 21st Century Flood Reform Act (H.R. 2874) – a package of seven bills that reauthorizes the National Flood Insurance Program (NFIP) until 2022 and introduces various reforms.  The fate of the NFIP now rests with the Senate, which may adopt the House bill or a version of it, advance its own bill, or do nothing.

While H.R. 2874 has experienced changes since its introduction this summer, it still fails to adequately address the issues of affordability, mitigation, and the integrity of the program.  The bill as passed increases costs for nearly all policyholders and does nothing to address the NFIP’s debt, the annual interest payments on the debt, and does not do enough to address the need for investing in mitigation and resiliency.

The vote passed mainly along party lines with Representatives Curbelo, Ros-Lehtinen, and Diaz-Balart crossing party lines to vote “no.”  They were the only Florida Republicans to oppose the bill.

We now will focus our attention on the Senate where we need to continue to work to improve the reauthorization legislation.  FIRM has supported the SAFE NFIP legislation which is co-sponsored by both Senators Nelson and Rubio.  The House version was co-sponsored by Florida Representatives Curbelo, Crist, and Hastings.  The SAFE NFIP caps premium rate hikes, increases coverage limits, and authorizes funding for mapping and mitigation.

Please take a minute to thank Congressman Curbelo for voting on behalf of Floridians, and contact Senator Nelson and Senator Rubio to let them know you support NFIP reauthorization like the SAFE NFIP Act that truly helps policy holders and strengthens the Program.


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