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The Flood Insurance for Farmers Act of 2025 amends the National Flood Insurance Act to increase flood insurance availability for agricultural structures. It allows states and localities to grant variances from elevation and floodproofing requirements for agricultural structures in flood-prone areas, provided specific conditions are met (such as determining elevation is impracticable and limiting prior claims). The bill also establishes premium rates for variances based on dry floodproofing standards and authorizes optional umbrella flood insurance policies for properties with multiple structures.
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