I 
118TH CONGRESS 
2D SESSION 
H. R. 9414 
To require the Administrator of the Federal Emergency Management Agency 
to establish a community-based flood insurance pilot program, and for 
other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
AUGUST 27, 2024 
Mr. GARBARINO (for himself and Mr. MEEKS) introduced the following bill; 
which was referred to the Committee on Financial Services 
A BILL 
To require the Administrator of the Federal Emergency 
Management Agency to establish a community-based 
flood insurance pilot program, and for other purposes. 
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 ‘‘Community Flood Cov-
erage Savings Act’’. 
SEC. 2. COMMUNITY-BASED FLOOD INSURANCE PILOT PRO-
GRAM. 
(a) ESTABLISHMENT.—The Administrator of the 
Federal Emergency Management Agency shall establish a 
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community-based flood insurance pilot program to make 
available, for purchase by participating communities, a 
single, community-wide flood insurance policy under the 
National Flood Insurance Program that— 
(1) covers all residential properties within the 
community; and 
(2) satisfies, for all such properties within the 
community, the mandatory purchase requirements 
under section 102 of the Flood Disaster Protection 
Act of 1973 (42 U.S.C. 4012a). 
(b) REQUIREMENTS FOR COMMUNITY-WIDE POLI-
CIES.—The Administrator shall ensure that a community- 
wide flood insurance policy made available under the pilot 
program under this section incorporates the following re-
quirements: 
(1) A mapping and eligibility requirement for 
properties to be covered by the policy. 
(2) A method of preventing redundant claims 
payments by the National Flood Insurance Program 
in the case of a claim by an individual property 
owner who is covered by a community-wide flood in-
surance policy and an individual policy obtained 
through the Program. 
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(3) A path for sustained existence beyond the 
duration of the pilot program under this section is 
desired by a participating community. 
(c) PARTNERSHIPS.—Any community that chooses to 
participate in the pilot program shall, to the greatest ex-
tent practicable, partner with private insurers, reinsurers, 
capital market participants, and other participants in the 
risk transfer market to transfer a portion of the insurance 
risk related to participate in the pilot program under this 
section. 
(d) PARTICIPATION.—Participation by a community 
in the pilot program under this section shall be entirely 
voluntary on the part of the community. 
(e) USE FLOOD MITIGATION ASSISTANCE GRANT 
PROGRAM AMOUNTS.—Any community that chooses to 
participate in the pilot program under this section may 
use amounts provided under the flood mitigation assist-
ance grant program for costs associated with imple-
menting a community-based insurance policy. 
(f) TIMING.—The Administrator shall establish the 
pilot program under this section not later than the expira-
tion of the 360-day period beginning on the date of the 
enactment of this Act and the program shall terminate 
on the date that is 2 years after the date of the enactment 
of this section. 
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(g) DEFINITIONS.—In this section: 
(1) ADMINISTRATOR.—The term ‘‘Adminis-
trator’’ means the Administrator of the Federal 
Emergency Management Agency. 
(2) 
COMMUNITY.—The 
term 
‘‘community’’ 
means any unit of local government, within the 
meaning given such term under the laws of the ap-
plicable State. 
Æ 
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