Chairman Tim Scott (R-S.C.) and Senator Brian Schatz (D-Hawaii) are reintroducing legislation aimed at helping flood-prone communities break the cycle of repeated flooding and rebuilding. The Repeatedly Flooded Communities Preparation Act is designed to address the challenges faced by communities vulnerable to persistent flooding by encouraging proactive flood risk mitigation strategies.
The senators are bringing this forward in anticipation of a committee hearing titled “Examining Insurance Markets and the Role of Mitigation Policies.” The proposed act intends to shift the focus from rebuilding properties in high-risk areas, which strains the National Flood Insurance Program (NFIP) and endangers communities, to a more proactive approach.
Chairman Scott stated, “Communities in South Carolina and across the country continue to face challenges from persistent flooding. But instead of repeated rebuilding in high-risk areas, we need to ensure Americans in flood-prone communities are taking the necessary steps to improve their infrastructure and mitigation strategies. This bill will provide key resources to help Americans across the country rise above the threat of flooding.”
Senator Schatz added, “Around the country, people are facing increased threats and costs from sea level rise and more frequent and severe storms. We need to do all we can to prepare our communities and our economy to weather the storm, and this bill will help us take proactive steps to address flooding.”
The bill has received support from several stakeholders. Jimi Grande from the National Association of Mutual Insurance Companies highlighted the importance of proactive mitigation and planning. Nathan Riedel of the Independent Insurance Agents & Brokers of America pointed out that flooding is a common natural disaster, stating that the legislation helps better prepare communities and improve the financial solvency of the NFIP.
The American Property Casualty Insurance Association also supports the legislation. Sam Whitfield remarked, “APCIA commends Senators Scott and Schatz for their bipartisan leadership…The legislation will provide greater protections for families and businesses by minimizing flood risk.”
Dominick Longobardi and Scott Grayson from the American Public Works Association emphasized the need for a long-term approach, criticizing the current system of short-term NFIP extensions. Marsh McLennan and Aon also expressed support for the legislation, recognizing its role in promoting resilience and reducing risks associated with repeated flooding.
The Repeatedly Flooded Communities Preparation Act outlines requirements for communities in the NFIP to assess flood risks and develop specific mitigation plans, while urging collaboration with FEMA. The act also calls for accountability in communities that fail to comply with the new measures.
