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The Fair Flood Protection Act of 2024 reauthorizes the National Flood Insurance Program (NFIP) through September 30, 2034, and implements several structural reforms. The bill provides a 20-year forbearance on federal interest payments for existing NFIP debt, phases out the Community Rating System discount program, and caps reimbursements to private Write Your Own insurance companies. It also establishes a Flood Protection Affordability Program with a dedicated trust fund to subsidize premiums for policyholders whose flood insurance costs exceed a specified percentage of household income, and requires annual premium transparency reports to policyholders.
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