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.

HR 6620 amends the National Flood Insurance Act of 1968 to allow private flood insurance policies to count toward meeting continuous coverage requirements. This directly affects property owners who purchase private flood insurance, as it ensures periods covered by private policies are treated the same as National Flood Insurance Program (NFIP) coverage for maintaining continuous coverage. The key provision adds a new section to the Act, requiring the Administrator to consider any continuous coverage period from either NFIP or private policies when applying requirements under the Flood Disaster Protection Act of 1973. This change simplifies coverage continuity for homeowners using private insurance without altering NFIP rules.