Flood Insurance Consumer Choice Act of 2025

The Flood Insurance Consumer Choice Act of 2025 amends federal flood insurance law to allow private flood insurance policies to count toward continuous coverage requirements. This change directly affects homeowners who purchase flood insurance from private companies, as their private coverage periods will now satisfy the same continuous coverage standards previously only recognized for federal program policies. The bill requires the federal Administrator to treat continuous private flood insurance coverage as equivalent to federal program coverage for meeting these requirements. As a result, property owners gain more flexibility in choosing private insurers without risking coverage gaps or higher premiums tied to coverage interruptions.