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Flood Insurance

The National Flood Insurance Program (NFIP) is the primary underwriter of flood insurance.  Hurricanes over the last decade have placed the program over $23 billion in debt. The program is currently funded through September 30, 2021.


However, it is important to note that in the event the program lapses, all existing Flood Insurance plans would continue to operate, and claims would be paid. But no new plans could be added to the program during the lapse. Congressman Bilirakis is working in a bipartisan manner to ensure that doesn’t happen, as it would be catastrophic for our state and regional housing market and economy.


The majority of constituents who participate in this program live in modest homes, many of which are not even on the water. While the program received a short-term extension and Congress provided emergency funding to keep it operational, it is imperative to ensure the long-term sustainability of this critical program.

In the 115th Congress, the House passed NFIP legislation which would have been beneficial to Florida policyholders. The Congressman was able to share the concerns outlined by Pasco and Pinellas counties with House leadership, and was able to secure many rewrites to the bill that would benefit Floridians. This bill would have ensured the continuation of the program for five years, with safeguards to ensure affordability, encourage private providers to enter the market, and give greater transparency to the program. Unfortunately, the Senate did not pass the bill, however, the Congressman remains committed to the long-term success of this vital program. 


Some constituents find that they are paying premiums much higher than their risk of flooding dictates. This is because the rate tables NFIP uses to determine premiums are outdated and are not based on reliable data.  Congressman Bilirakis has previously filed the Flood Insurance Integrity Act, legislation which would help fix this problem. The House is once again working on another NFIP bill, and Congressman Bilirakis is hopeful that a bipartisan compromise can be reached.  He understands that we must continue to work towards long-term reauthorization of NFIP to ensure stability in the housing market in our area.



across industries, and facilitate broadband deployment on federal lands.

More on Flood Insurance

April 3, 2014 Press Release

“It is an honor to receive this award, because I believe in conservative values and principles. Limited government, fiscal responsibility, and individual freedoms are all ideals in which I strongly believe. The American Dream is not dead,” Bilirakis said. "I believe in giving all Americans the opportunity to lift themselves up, and I believe in the virtue of hard work. This is the slowest economic recovery in American history, and too many women and men across the country still feel like we are in a recession. The recovery is the product of the failure of big government policies.

February 26, 2014 Press Release


“CMS is clearly subverting the intent and letter of the law passed by Congress by needlessly inserting themselves into the Medicare Part D program,” Bilirakis said. “CMS justifies their intrusion as a cost-saving measure because they claim their proposed rules will reduce fraud and abuse, among other aspects. Medicare Part D is a wildly successful program, and there are better ways to save money in the Part D program than enacting rules that will reduce seniors’ access to affordable medications and increase premiums.”

February 12, 2014 Press Release


“The Obama Administration continues to ignore the provisions of its own law,” said Bilirakis. “The dates of implementation for the Employer Mandate were written into the statute. The Obama Administration has simply ignored these provisions. This is tacit confirmation and incontrovertible proof that the law is unworkable. When the Obama Administration starts ignoring its own deadlines, it is a clear sign this law was never ready for prime time.”