Casten, Blumenauer Introduce Bill to Help Communities Facing Flood Damage
Washington DC — Today, Congressman Sean Casten (IL-06) and Congressman Earl Blumenauer (OR-03) introduced the Protecting Families and the Solvency of the National Flood Insurance Program Act of 2024, which would authorize the Federal Emergency Management Agency (FEMA) to provide additional mitigation assistance to families affected by flooding and address the problems of delays in buyouts for communities facing repetitive losses.
“Having spent my entire adult life fighting climate change, I am alarmed by the increased frequency and severity of flooding—devastating not only the coasts, but communities right here in the Midwest,” said Rep. Sean Casten. “In Illinois alone, there are over 400,000 homes and over 30,000 business properties with operational flooding risk. The science is crystal clear that this climate-driven devastation will only get worse and more costly, yet the National Flood Insurance Program remains woefully unprepared to meet the needs of communities hit hardest. After meeting with dozens of local mayors, municipal leaders, and first responders, I'm proud to introduce legislation to improve the buy-out program to help families facing climate-driven flood damage get the financial relief and help with voluntary relocation they need faster."
"Nowhere is the cost of failure more pronounced than the National Flood Insurance Program. We cannot afford to keep risking lives and taxpayer dollars by rebuilding structures in the same flood-prone areas as the climate crisis makes disasters more frequent and intense. With simple, preventative steps like my legislation with Congressman Casten, we can help disaster victims break the cycle of repetitive flood loss,” said Congressman Earl Blumenauer.
FEMA provides funding for communities to purchase flood-prone properties and convert the land to open space. This property acquisition can be a beneficial strategy for flood mitigation. However, the buyout process poses challenges that can discourage homeowner and community participation. Currently, buyouts through the National Flood Insurance Program can take more than five years to complete through FEMA, far too long for families living in damaged and potentially hazardous houses. The bill would cut through the red tape to deliver buy-outs quicker to victims of flooding, especially in underserved communities. This bill will make buyouts more accessible, equitable, and efficient. In 2022, the Government Accountability Office conducted a study of FEMA's buyout program and issued recommendations. One of the recommendations was to preapprove certain properties for acquisition, which is exactly what this bill does.
Annual flooding in the U.S. costs up to $496 billion and will increase as a result of climate change, the cost of which will be borne disproportionately by disadvantaged communities. This increased frequency and severity of flooding will come not only from the coast, but from increased rainfall and riverine flooding across the country.
In Illinois, there are 413,129 residential properties, 50,977 miles of roads, 36,816 commercial properties, 996 infrastructure facilities, and 2,476 social facilities with operational flood risk* today.
The Protecting Families and the Solvency of the National Flood Insurance Program Act of 2024:
- Addresses the problem of delays in buyouts by authorizing buyouts-in-lieu-of-claim-payments in high-priority cases.
- If the property has been identified as a repetitive loss or severe repetitive loss property
- Has been designated by the participating community as substantially damaged.
- Would otherwise be filing a claim for the maximum level of coverage.
- Right now, a buyout looks at an effective floodplain.
- Allows for additional assistance to residents who may wish to move but are unable to afford relocation by requiring FEMA to apply the special assistance provisions of the Uniform Relocation Act to buyouts.
- Provides FEMA with authorities to provide an additional measure of mitigation assistance to currently underserved communities, in line with provisions in the Infrastructure and Jobs Act that make this allowance for the next 5 years and expands the current narrow definition of “small and impoverished” communities.
- Incentivizes community action to address repeat flooding by offering access to and potentially a larger share of mitigation assistance funding for implementation of locally developed flood plans.
- Assures that FEMA assistance to address recurrent flooding, including buyout offers, is not limited to neighborhoods that have previously been mapped into FEMA-designated Special Flood Hazard Areas.
Text of the legislation can be found here.
The legislation has been endorsed by the Natural Resources Defense Council.
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