To amend the National Flood Insurance Act of 1968 to allow for the consideration of private flood insurance for the purposes of applying continuous coverage requirements, and for other purposes.

# Summary of HR 6620 **What the Bill Does:** This bill would modify the National Flood Insurance Program (NFIP) to recognize private flood insurance policies when determining whether homeowners have maintained continuous flood insurance coverage. Currently, only federal NFIP policies appear to count toward continuous coverage requirements. If passed, the bill would allow private insurance options to satisfy these same requirements, potentially giving homeowners more flexibility in choosing their insurance provider. **Who It Affects:** The bill primarily affects homeowners in flood-prone areas who are required to carry flood insurance—particularly those with mortgages in federally-designated flood zones.

It could also impact the NFIP's enrollment numbers and the private flood insurance industry, which has grown in recent years as an alternative to federal coverage. **Current Status:** HR 6620 was introduced by Representative Kathy Castor (D-FL) and is currently in committee, meaning it has not yet been voted on by the full House. The bill remains in the early stages of the legislative process.