Keeping Homeownership Costs Down Act

This bill prohibits the Federal Emergency Management Agency (FEMA) from delaying flood map revisions (called "letters of map revision") when property owners add fill material (like soil or gravel) to their land. It directly affects homeowners and developers who need updated flood maps for construction, repairs, or insurance purposes. The provision requires FEMA to issue these revisions promptly, preventing unnecessary delays that could lead to higher flood insurance costs. The bill expires once FEMA fully implements wildlife protection requirements under the Endangered Species Act related to fill placement.