I 
119TH CONGRESS 
1ST SESSION H. R. 6934 
To establish a means-tested assistance program for national flood insurance 
program policyholders, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
DECEMBER 30, 2025 
Mr. BRESNAHAN (for himself and Mr. VINDMAN) introduced the following bill; 
which was referred to the Committee on Financial Services 
A BILL 
To establish a means-tested assistance program for national 
flood insurance program policyholders, and for other pur-
poses. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘National Flood Insur-
ance Program Affordability Act’’. 
SEC. 2. MEANS-TESTED ASSISTANCE FOR NATIONAL FLOOD 
INSURANCE PROGRAM POLICYHOLDERS. 
(a) IN GENERAL.—The Administrator of the Federal 
Emergency Management Agency shall, not later than 1 
year after the date of the enactment of this Act, establish 
VerDate Sep 11 2014 
21:44 Jan 13, 2026
Jkt 069200
PO 00000
Frm 00001
Fmt 6652
Sfmt 6201
E:\BILLS\H6934.IH
H6934
ssavage on LAPJG3WLY3PROD with BILLS
a means-tested program under which the Administrator 
provides assistance to eligible policyholders in the form of 
graduated discounts for insurance costs with respect to 
covered properties. 
(b) DISCOUNTS.—The Administrator shall use 
amounts provided under this section to establish grad-
uated discounts available to eligible policyholders under 
this section, with respect to covered properties, such that 
the chargeable premium rate for an eligible policyholder 
that applies for assistance under this section may not ex-
ceed 1 percent of the area median income for the area 
in which the property to which the policy applies is lo-
cated. 
(c) APPLICATION.—To receive assistance under this 
Act, an eligible policyholder shall submit an application 
to the Administrator at such time, in such manner, and 
containing such information as the Administrator may 
reasonably require and assistance will no longer be avail-
able when the amounts appropriated pursuant to sub-
section (f) have been expended for a fiscal year. 
(d) RULEMAKING AND GUIDANCE.—Not later than 1 
year after the date of the enactment of this Act, the Ad-
ministrator shall issue such regulations and guidance as 
the Administrator determines necessary to carry out this 
Act, including a hardship metric for small businesses and 
VerDate Sep 11 2014 
21:44 Jan 13, 2026
Jkt 069200
PO 00000
Frm 00002
Fmt 6652
Sfmt 6201
E:\BILLS\H6934.IH
H6934
ssavage on LAPJG3WLY3PROD with BILLS
not-for-profit entities to qualify for assistance under this 
Act. 
(e) REPORT.—Not later than 1 year after the date 
of the enactment of this section, the Administrator shall 
submit to the Congress, a report that— 
(1) addresses the feasibility of making eligibility 
for assistance under the program established under 
this Act based on a consideration of an eligible pol-
icyholder’s principal, interest, taxes, and insurance 
instead of household income as a percent of area 
medium income; and 
(2) outlines how the Administrator could use in-
come eligibility for other Federal programs to deter-
mine eligibility for participation in the program es-
tablished under this Act. 
(f) APPROPRIATION.— 
(1) IN GENERAL.—There is appropriated, annu-
ally, to the Administrator, out of any money in the 
Treasury not otherwise appropriated, $250,000,000, 
to carry out the program established by the Admin-
istrator under subsection (a). 
(2) EXPENDITURE
REQUIREMENT.—The Ad-
ministrator shall, each fiscal year, expend not less 
than 95 percent of the amount appropriated for such 
fiscal year under paragraph (1). 
VerDate Sep 11 2014 
21:44 Jan 13, 2026
Jkt 069200
PO 00000
Frm 00003
Fmt 6652
Sfmt 6201
E:\BILLS\H6934.IH
H6934
ssavage on LAPJG3WLY3PROD with BILLS
SEC. 3. MONTHLY INSTALLMENT PAYMENT FOR PREMIUMS. 
Not later than 180 days after the date of enactment 
of this Act, the Administrator shall— 
(1) implement the requirement for monthly in-
stallment payments of premiums provided under sec-
tion 1308(g) of the National Flood Insurance Act of 
1968 (42 U.S.C. 4015(g)); or 
(2) submit to Congress an explanation of the 
reasons why the Administrator cannot implement 
the requirement described in paragraph (1) during 
that 180-day period. 
SEC. 4. DEFINITIONS. 
In this Act: 
(1) ADMINISTRATOR.—The term ‘‘Adminis-
trator’’ means the Administrator of the Federal 
Emergency Management Agency. 
(2) COVERED PROPERTY.—The term ‘‘covered 
property’’ means— 
(A) a primary residential dwelling; or 
(B) personal property relating to a dwell-
ing described in subparagraph (A). 
(3) ELIGIBLE POLICYHOLDER.—The term ‘‘eli-
gible policyholder’’ means— 
(A) a person who— 
VerDate Sep 11 2014 
21:44 Jan 13, 2026
Jkt 069200
PO 00000
Frm 00004
Fmt 6652
Sfmt 6201
E:\BILLS\H6934.IH
H6934
ssavage on LAPJG3WLY3PROD with BILLS
(i) is a national flood insurance pro-
gram policyholder on or after the date of 
the enactment of this Act; and 
(ii) has a household income that is not 
more than 120 percent of the area median 
income for the area in which the property 
to which the policy applies is located; 
(B) a business with not more than 100 
employees that— 
(i) is a national flood insurance pro-
gram policyholder on or after the date of 
the enactment of this Act; and 
(ii) satisfies the hardship metric pub-
lished by the Administrator under section 
2; or 
(C) a not-for-profit organization that— 
(i) is a national flood insurance pro-
gram policyholder on or after the date of 
the enactment of this Act; and 
(ii) satisfies the hardship metric pub-
lished by the Administrator under section 
2. 
(4) INSURANCE COSTS.—The term ‘‘insurance 
costs’’ means, with respect to a covered property for 
a year— 
VerDate Sep 11 2014 
21:44 Jan 13, 2026
Jkt 069200
PO 00000
Frm 00005
Fmt 6652
Sfmt 6201
E:\BILLS\H6934.IH
H6934
ssavage on LAPJG3WLY3PROD with BILLS
(A) risk premiums and fees estimated 
under section 1307 of the National Flood In-
surance Act of 1968 (42 U.S.C. 4014) and 
charged under section 1308 of such Act (42 
U.S.C. 4015); 
(B) surcharges assessed under sections 
1304 and 1308A of such Act (42 U.S.C. 4011, 
4015a); and 
(C) any amount established under section 
1310A(c) of such Act (42 U.S.C. 4017a). 
Æ 
VerDate Sep 11 2014 
21:44 Jan 13, 2026
Jkt 069200
PO 00000
Frm 00006
Fmt 6652
Sfmt 6301
E:\BILLS\H6934.IH
H6934
ssavage on LAPJG3WLY3PROD with BILLS