Flood Insurance Consumer Choice Act of 2025

This legislation aims to enhance consumer choice by enabling National Flood Insurance Program (NFIP) policyholders to move to private flood insurance and later return to the NFIP without incurring penalties. A key provision addresses the critical concept of continuous coverage , which is essential for maintaining favorable rates and eligibility within the NFIP. Specifically, the bill amends the National Flood Insurance Act of 1968 to require the NFIP Administrator to consider any period of continuous private flood insurance coverage as a period of continuous coverage for NFIP purposes. This recognition applies provided the private policy met federal flood insurance requirements. This change prevents policyholders from losing their continuous coverage status, thereby encouraging competition and offering greater flexibility in flood insurance choices.