S. 2054 — Flood Insurance Consumer Choice Act of 2025

This section directs the FEMA Administrator, for purposes of any statutory, regulatory, or administrative continuous coverage requirement—including under National Flood Insurance Program (NFIP) premium adjustment provisions (42 U.S.C. 4015)—to deem any period during which a property was continuously covered by private flood insurance used to satisfy mandatory purchase requirements under the Flood Disaster Protection Act of 1973 (42 U.S.C. 4012a(a)) as a period of continuous coverage. (Thus, properties using private flood insurance to meet federal lending and assistance rules in special flood hazard areas maintain eligibility for NFIP premium discounts or avoid lapse penalties.)