The Flood Insurance for Farmers Act of 2025 makes it easier for farmers to get flood insurance for agricultural buildings in flood-prone areas. The bill allows local governments to grant variances that let farm structures avoid expensive elevation or floodproofing requirements if those measures aren't practical, as long as the structures meet specific safety conditions and haven't had multiple insurance claims. It also requires that farmers granted these variances pay insurance rates comparable to what they would pay for floodproofed structures, ensuring premiums stay reasonable. Additionally, the bill allows the Federal Emergency Management Agency to offer optional umbrella flood insurance policies that cover multiple structures on the same agricultural property. FEMA must report to Congress within five years on how well this new umbrella policy option is working.
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