This bill proposes an amendment to the National Flood Insurance Act of 1968, specifically addressing the criteria for continuous flood insurance coverage . Its primary purpose is to ensure that periods of coverage under a private flood insurance policy are recognized and counted towards continuous coverage requirements. Currently, continuous coverage is often tied to policies offered through the National Flood Insurance Program (NFIP). This amendment directs the Administrator to consider any period a property was continuously covered by either an NFIP policy or a private market flood insurance policy , provided it met federal requirements, as a period of continuous coverage. This change aims to prevent property owners from losing benefits or favorable rates due to switching from NFIP to private flood insurance, or vice versa, by ensuring seamless recognition of coverage history.