S1564Passed Senate

Floodplain Enhancement and Recovery Act

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Introduced
In Committee
Passed One Chamber
4
Passed Both
5
Signed into Law
119th
Congress
2025-05-01
Introduced
3
Cosponsors
S
ⓘ
Type

Sponsor

Patty Murray
Patty Murray
Democrat · WA · Senator
Votes with party: 89.1% (864 recorded votes)

Full profile: /officials/M001111

Source: Congress.gov · FEC

Cosponsors (3)

Members who have signed on to support this bill since introduction. Source: Congress.gov.

Latest Action

The most recent step in the bill's legislative path. Committee Activity below shows referrals and reports; the full action-by-action history including floor proceedings lives at Congress.gov →

Held at the desk.

2026-10-05

Source: Congress.gov

Committee Activity

Currently in

Previously

Plain-English Summary

This bill likely aims to help communities and property owners in flood-prone areas by providing financial assistance, insurance options, or incentives to reduce flood damage and support recovery after flooding events. The legislation would probably affect homeowners, businesses, and local governments in areas at risk of flooding, as well as banks and insurance companies involved in flood-related financing and coverage. By being referred to the Banking Committee, the bill appears focused on using financial tools and policies to address flood resilience and recovery.

AI-assisted summary generated from the official bill metadata (title, subjects, actions) sourced from Congress.gov. Cached and reviewed. Always verify against the official text linked below.

Subjects

Finance and Financial Sector

Full Bill Text

Verbatim text published on Congress.gov via GovInfo. Use Cmd+F / Ctrl+F to search within this excerpt.

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [S. 1564 Engrossed in Senate (ES)] <DOC> 119th CONGRESS 2d Session S. 1564 _______________________________________________________________________ AN ACT To amend the Homeowner Flood Insurance Affordability Act of 2014 to address ecosystem restoration projects, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Floodplain Enhancement and Recovery Act''. SEC. 2. ECOSYSTEM RESTORATION PROJECTS. (a) In General.--Section 22 of the Homeowner Flood Insurance Affordability Act of 2014 (42 U.S.C. 4101e) is amended to read as follows: ``SEC. 22. ECOSYSTEM RESTORATION PROJECTS. ``(a) Definition.--In this section, the term `ecosystem restoration project' means a project proposed for the primary purpose of manipulating the physical, chemical, or biological characteristics of a site with the goal of-- ``(1) recovering natural and beneficial functions to a former or degraded aquatic resource or floodplain; or ``(2) enhancing, accelerating, reclaiming, or improving a specific, natural, and beneficial function of an aquatic resource or floodplain. ``(b) Exemption From Fees for Flood Hazard Change Requests for Ecosystem Restoration Projects.--Notwithstanding any other provision of law, a requester shall be exempt from submitting a review or processing fee for a request for a flood insurance rate map change based on an ecosystem restoration project. ``(c) Exemption From Conditional Approval for Certain Ecosystem Restoration Projects.--A community may permit an ecosystem restoration project within an adopted regulatory floodway that would result in an increase in base flood elevations, if-- ``(1) a professional engineer uses the best judgment of the engineer to determine that the cumulative effect of the proposed ecosystem restoration project, when combined with all other existing development, will not increase the water surface elevation of the base flood by more than 1 foot (or a greater amount or metric determined appropriate by the Administrator); ``(2) no insurable structure or any critical infrastructure is located in an area that would be adversely impacted by the increased base flood elevation; and ``(3) not later than 180 days after the date on which the ecosystem restoration project is completed, the community submits to the Administrator an analysis regarding the changed conditions caused by the ecosystem restoration project. ``(d) Rule of Construction.--Nothing in this section may be construed to affect the procedure (as in effect on the day before the date of enactment of the Floodplain Enhancement and Recovery Act) for providing notification to a landowner with respect to development in a regulatory floodway.''. (b) Technical and Conforming Amendment.--The table of contents for the Homeowner Flood Insurance Affordability Act of 2014 (Public Law 113-89) is amended by striking the item relating to section 22 and inserting the following: ``Sec. 22. Ecosystem restoration projects.''. (c) Guidance.-- (1) Definitions.--In this subsection: (A) Administrator.--The term ``Administrator'' means the Administrator of the Federal Emergency Management Agency. (B) Covered agencies.--The term ``covered agencies'' means Federal and State natural resource agencies, as determined by the Administrator. (2) Issuance.--Not later than 180 days after the date of enactment of this Act, and after consultation with the heads of covered agencies, the Administrator shall issue guidance to implement sec tion 22 of the Homeowner Flood Insurance Affordability Act of 2014 (42 U.S.C. 4101e), as amended by this section. Passed the Senate September 30, 2026. Attest: Secretary. 119th CONGRESS 2d Session S. 1564 _______________________________________________________________________ AN ACT To amend the Homeowner Flood Insurance Affordability Act of 2014 to address ecosystem restoration projects, and for other purposes.
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