S. 1545 requires communities participating in the National Flood Insurance Program to develop and implement plans to address chronic flooding if they have significant numbers of properties with repeated flood damage claims. Specifically, communities must qualify as "covered communities" by having at least 50 structures with multiple flood claims exceeding $1,000 in any 10-year period, among other criteria. Once identified, these communities must map their flood-prone areas, assess ongoing risks, develop mitigation plans, and make progress public—with the option to integrate these plans into existing federal disaster mitigation plans. The Federal Emergency Management Agency will provide data assistance to help communities develop their plans and may factor compliance into decisions about granting mitigation funding. Communities that fail to meet these requirements face potential sanctions, including suspension or probation from the flood insurance program, though FEMA must consider local resources before imposing penalties. The bill requires FEMA to issue implementing regulations within one year and report to Congress every two years on community progress.
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