Take Action: Break the Costly Cycle of Repeated Flooding and Rebuilding

Flooding is the nation's most common and expensive natural disaster. The National Flood Insurance Program (NFIP) is now almost $25 billion in debt to the U.S. Treasury. The program must be reformed so taxpayers aren't paying to rebuild properties that flood again and again.

Among the millions of NFIP policyholders are thousands whose properties have flooded multiple times. There is no limit on the number of damage claims these policyholders can file, so they may flood and rebuild over and over.

Act now: Ask Congress to support this important legislation to stop the costly cycle of flooding and rebuilding.

Although these properties are small in number—historically representing just 1 percent of NFIP policies—the claims have an outsized financial impact, accounting for 25 to 30 percent of NFIP losses. Some of these repeatedly flooded properties have received payments worth more than their value. Over the years, NFIP losses for these repeatedly flooded properties have climbed to over $12 billion—nearly half of the program's total debt.

And the problem has been growing, with the number of repeatedly flooded properties increasing by an estimated 5,000 per year. This vicious cycle of flooding and rebuilding puts communities at risk and will cost taxpayers billions more unless action is taken.

A solution to this problem is overdue.

The Repeatedly Flooded Communities Preparation Act (H.R. 1558), bipartisan legislation recently introduced by Representatives Ed Royce (R-CA) and Earl Blumenauer (D-OR), would require communities with significant numbers of repeatedly flooded properties to proactively reduce flood risk rather than simply rebuilding time and time again.

Please ask your member of Congress to support this legislation and reduce flood risk in repeatedly flooded areas.

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