Flood Insurance for Farmers Act of 2025
Congress proposes easier flood insurance options for farm buildings and multi-building properties
Stalled
No legislative action in over 90 days.
Legislative Progress
Key Points
- Lets towns and counties give some farm buildings a waiver from elevation/floodproofing rules and still stay in the national flood insurance program.
- Sets rules for those waivers, including where buildings can’t be (like certain high-risk flood areas) and limits waivers if a building has had more than one flood claim over $1,000 in 10 years.
- Says flood insurance pricing for a farm building that gets a waiver should be similar to what it would cost if the building had been floodproofed, or another risk-based rate.
- Allows FEMA to offer an optional “umbrella” flood policy for people with multiple buildings on the same property (including farms, apartments, and some homes), if the price covers the estimated risk.
- Requires FEMA to report back to Congress within 5 years on how the umbrella policy option is working.
Impact Analysis
Personal Impact
How this policy affects specific groups of people
Milestones
Referred to the House Committee on Financial Services.
Introduced in House
The bill was officially filed and given a number. It now enters the legislative queue.
Votes
No votes have been recorded for this legislation yet.
Related News
4 articlesFederal Advocacy Update, Nov 17, 2025 (includes: Lawmakers Reintroduce Flood Insurance for Farmers Act, H.R. 5961)
Notes reintroduction of H.R. 5961 and highlights key provisions: bundling multiple farm structures under one NFIP policy to reduce the per-structure surcharge, and allowing local variances when elevation/floodproofing is impractical.
Federal Update: DHS Proposes New Public Charge Regulation (includes section: Reps. LaMalfa, Garamendi Reintroduce Flood Insurance for Farmers Act)
Briefs counties on H.R. 5961, emphasizing flexibility for counties to grant variances from FEMA floodplain standards for agricultural structures and bundling structures under one NFIP policy to reduce the $250-per-structure surcharge burden.
LaMalfa and Garamendi Reintroduce Flood Insurance for Farmers Act
Announcement of H.R. 5961 describing NFIP reforms for agricultural structures, including bundling multiple structures under one policy and allowing local variances from elevation/floodproofing rules under specified conditions.
Source Information
Document Type
Congressional Bill
Official Title
Flood Insurance for Farmers Act of 2025
Data Sources
Sponsor
Cosponsors
(4)Analysis generated by AI. Always verify with official sources.