119th (2025–2027)
H.R. 6620
H.R. 6620 amends federal flood insurance law to treat private flood insurance the same as federal flood insurance when determining whether a property owner has maintained continuous coverage. Currently, homeowners and businesses in flood-prone areas must carry flood insurance to comply with federal requirements, but the law only counts continuous coverage through the government-run National Flood Insurance Program. This bill allows private flood insurance policies to count toward continuous coverage requirements, giving property owners more flexibility in how they meet federal flood insurance mandates. The change applies to all existing continuous coverage rules under federal flood law. The bill, introduced in December 2025 by Representatives Castor and Salazar, does not include specific funding or implementation timelines.