A bill to amend the National Flood Insurance Act of 1968 to clarify the effective date of policies covering properties affected by floods in progress.
Have a question about what this bill does? Ask in plain English; the answer is drawn from the bill's actual text and official record, and it'll tell you when something isn't in the text rather than guess.
Amends the National Flood Insurance Act of 1968 to state that, if a flood has commenced or is in progress before expiration of the 30-day waiting period before a new or modified flood insurance policy becomes effective, the insurance coverage shall take effect upon the expiration of such 30-day period. Allows coverage for damage occurring after expiration of the waiting period, however, only if the property has not suffered damage or loss as a result of such flood before the waiting period expires.
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- Introduced in Senate Formatted Text PDF Formatted XML
Cite this page
U.S. Congress. (2026). S. 1349: A bill to amend the National Flood Insurance Act of 1968 to clarify the effective date of policies covering properties affected by floods in progress.. 112th Congress. Open America. https://openamerica.io/bill/112-S-1349/
"S. 1349: A bill to amend the National Flood Insurance Act of 1968 to clarify the effective date of policies covering properties affected by floods in progress.." 112th Congress, 2026, Open America, https://openamerica.io/bill/112-S-1349/.
S. 1349, 112th Cong. (2026), https://openamerica.io/bill/112-S-1349/.
[S. 1349: A bill to amend the National Flood Insurance Act of 1968 to clarify the effective date of policies covering properties affected by floods in progress.](https://openamerica.io/bill/112-S-1349/)