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H.R. 3872 116th Congress House

National Flood Insurance Program Reauthorization and Reform Act of 2019

Official title: To reauthorize the National Flood Insurance Program, and for other purposes.

Introduced: July 22, 2019 Introduced by: Frank Pallone, Jr. Democratic · New Jersey See on congress.gov
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This bill died when the 116th Congress ended
It never became law before the 116th Congress (2019–2020) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 3 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Jul 23, 2019
Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.
Jul 22, 2019
Referred to the Committee on Financial Services, and in addition to the Committee on Transportation and Infrastructure, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Jul 22, 2019
Introduced in House
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 Latest action July 23, 2019

Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.

 Plain-English summary Congressional Research Service

National Flood Insurance Program Reauthorization and Reform Act of 2019

This bill generally revises the National Flood Insurance Program (NFIP) and reauthorizes the program through FY2024.

The bill addresses NFIP coverage, cost, and availability, including by

  • generally prohibiting the Federal Emergency Management Agency (FEMA) from raising certain premiums, surcharges, and fees more than 9% a year for five years;
  • revising flood insurance coverage limits;
  • establishing the Affordability Assistance Fund to provide financial assistance to low income households through vouchers, grants, or premium credits; and
  • revising standards and certification requirements for flood insurance rate maps.

The bill also revises administrative provisions of NFIP, including by

  • allowing for the continuous operation of NFIP during a lapse in appropriations, and
  • prohibiting the Department of the Treasury from charging FEMA interest for NFIP debt for five years.

The bill sets forth requirements for Write Your Own companies related to reimbursements, agent commissions, and penalties for underpayment of claims. (A Write Your Own company writes and services federal standard flood insurance policies in its own name.)

The bill establishes a state revolving fund for flood mitigation activities and also provides for loans, grants, and other incentives regarding mitigation.

 Related & companion bills 7
  • S 2187 Identical bill National Flood Insurance Program Reauthorization and Reform Act of 2019
  • S 1144 FIRM IT Act of 2019
  • S 2122 National Flood Insurance Program Consultant Accountability Act of 2019
  • S 2170 MEMA Act of 2019
  • S 2192 State Flood Mitigation Revolving Fund Act of 2019
  • HR 1610 State Flood Mitigation Revolving Fund Act of 2019
  • HR 2318 FIRM IT Act of 2019
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 3
 Cosponsors 10
All 10 Democratic 4 Republican 3
Crist, Charlie
· Jul 22, 2019
 D
Gottheimer, Josh
New Jersey · Jul 22, 2019
 R
Higgins, Clay
Louisiana · Jul 22, 2019
 D
Kim, Andy
New Jersey · Jul 22, 2019
Malinowski, Tom
· Jul 22, 2019
Murphy, Stephanie
· Jul 22, 2019
 D
Norcross, Donald
New Jersey · Jul 22, 2019
 R
Smith, Christopher H.
New Jersey · Jul 22, 2019
 R
Van Drew, Jefferson
New Jersey · Jul 22, 2019
 D
Watson Coleman, Bonnie
New Jersey · Jul 22, 2019
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 3872: National Flood Insurance Program Reauthorization and Reform Act of 2019. 116th Congress. Open America. https://openamerica.io/bill/116-HR-3872/
MLA
"H.R. 3872: National Flood Insurance Program Reauthorization and Reform Act of 2019." 116th Congress, 2026, Open America, https://openamerica.io/bill/116-HR-3872/.
Bluebook (legal)
H.R. 3872, 116th Cong. (2026), https://openamerica.io/bill/116-HR-3872/.
Markdown link
[H.R. 3872: National Flood Insurance Program Reauthorization and Reform Act of 2019](https://openamerica.io/bill/116-HR-3872/)
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