Flood Insurance Consumer Choice Act of 2023

This bill amends federal flood insurance rules to make it easier for homeowners to switch between private flood insurance and the government's National Flood Insurance Program (NFIP). It requires the NFIP Administrator to count periods when a property was covered by private flood insurance as valid "continuous coverage" for meeting NFIP requirements under the 1973 Flood Disaster Protection Act. This change directly affects property owners who purchase private flood insurance, allowing them to avoid coverage gaps when transitioning to or from the NFIP without losing eligibility.