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H.R. 1929House115th Congress (2017-2019)In Committee

Empowering Homeowners to Mitigate Flood Damage Act of 2017

Sponsored by Charlie CristRep. Charlie Crist (D-FL)
Introduced April 5, 2017

AI-Generated Summary

Updated April 15, 2026 at 2:33 PM UTC

The Empowering Homeowners to Mitigate Flood Damage Act of 2017 raises the maximum amount of Increased Cost of Compliance (ICC) coverage that the National Flood Insurance Program can provide to homeowners. Under the bill, each flood insurance policy could offer up to $60,000 in ICC benefits for a single property, and that amount would not count toward other NFIP coverage limits. The change is aimed at helping homeowners afford flood‑damage mitigation measures after a flood event.

Key Provisions

  • Increases the ICC coverage limit under the NFIP to $60,000 per property.
  • Specifies that ICC coverage does not count toward any other coverage limits applied to the same property under the NFIP.
  • Reorganizes the statutory language of the National Flood Insurance Act to incorporate the new coverage provisions.

Legislative Activity

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HouseIntro Referral Latest Action

Referred to the House Committee on Financial Services.

Financial Services Committee

April 5, 2017

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HouseIntro Referral

Introduced in House

April 5, 2017

HouseIntro Referral

Referred to the House Committee on Financial Services.

Financial Services Committee

April 5, 2017

Bill Text

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Introduced in HouseIssued April 5, 2017

I

115th CONGRESS

1st Session

H. R. 1929

IN THE HOUSE OF REPRESENTATIVES

April 5, 2017

Mr. Crist introduced the following bill; which was referred to the Committee on Financial Services

A BILL

To increase the maximum amount of increased cost of compliance coverage available under the National Flood Insurance Program, and for other purposes.

1.

Short title

This Act may be cited as the Empowering Homeowners to Mitigate Flood Damage Act of 2017.

2.

Increased cost of compliance coverage

Section 1304(b) of the National Flood Insurance Act of 1968 (42 U.S.C. 4011(b)) is amended—

(1)

in paragraph (4), by redesignating subparagraphs (A) through (D) as clauses (i) through (iv), respectively;

(2)

by redesignating paragraphs (1) through (4) as subparagraphs (A) through (D), respectively;

(3)

by inserting before The national flood insurance program the following: (1) In general.—;

(4)

by striking The Administrator and inserting the following:

(2)

Premium

The Administrator

; and

(5)

by adding at the end the following new paragraphs:

(3)

Amount of coverage

Each policy for flood insurance coverage made available under this title shall provide coverage under this subsection having an aggregate liability for any single property of $60,000.

(4)

Treatment of coverage limits

Any amount of coverage for a property provided pursuant to this subsection shall not be considered or counted for purposes of any limitation on coverage applicable to such property under section 1306(b) (42 U.S.C. 4013(b)).

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