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H.R. 6934

BillFederalHouseIn Committee
National Flood Insurance Program Affordability Act
About This Bill
Committee
Latest Action · December 30, 2025
Referred to the House Committee on Financial Services.
Congress
119th (2025–2027)
Introduced
December 30, 2025
Cosponsors (1)
1D 0R
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Summary

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H.R. 6934 establishes a federal assistance program to help lower-income Americans and small businesses afford flood insurance through the National Flood Insurance Program. Administered by FEMA, the program provides graduated discounts so that eligible policyholders' insurance premiums do not exceed 1 percent of their area's median income. Eligible participants include homeowners with household incomes up to 120 percent of area median income, as well as qualifying small businesses (100 or fewer employees) and nonprofits that meet hardship standards set by FEMA. The bill appropriates $250 million annually to fund these discounts and requires FEMA to establish the program within one year, while also mandating the implementation of monthly installment payment options for flood insurance premiums.

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