Flood Insurance Consumer Choice Act of 2021
This bill directs the Federal Emergency Management Agency (FEMA) to consider any period during which a property was continuously covered by private flood insurance to be a period of continuous insurance coverage, including for the purposes of National Flood Insurance Program subsidies.
To allow National Flood Insurance Program policyholders who leave the 
 program to purchase a private insurance flood policy to return to the 
    National Flood Insurance Program without penalty, and for other 
                               purposes.

    Be it enacted by the Senate and House of Representatives of the 
United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Flood Insurance Consumer Choice Act 
of 2021''.

SEC. 2. EFFECT OF PRIVATE FLOOD INSURANCE COVERAGE ON CONTINUOUS 
              COVERAGE REQUIREMENTS.

    Section 1308 of the National Flood Insurance Act of 1968 (42 U.S.C. 
4015), is amended by adding at the end the following:
    ``(n) Effect of Private Flood Insurance Coverage on Continuous 
Coverage Requirements.--For purposes of applying any statutory, 
regulatory, or administrative continuous coverage requirement, 
including under section 1307(g)(1), the Administrator shall consider 
any period during which a property was continuously covered by a flood 
insurance policy through the private market that was used to satisfy 
the requirements under section 102(a) of the Flood Disaster Protection 
Act of 1973 (42 U.S.C. 4012a(a)) to be a period of continuous 
coverage.''.
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Flood Insurance Consumer Choice Act of 2021
A bill to allow National Flood Insurance Program policyholders who leave the program to purchase a private insurance flood policy to return the National Flood Insurance Program without penalty, and for other purposes.
Flood Insurance Consumer Choice Act of 2021
Sen. Scott, Rick