Bill shields farming communities from flood insurance penalties over barn waivers

What does this do?

HR 5961 makes two changes to the National Flood Insurance Program run by FEMA. It allows local governments to waive elevation and floodproofing requirements for agricultural buildings in high-risk flood zones without losing NFIP participation. It also lets FEMA offer a single optional umbrella policy covering multiple buildings on one property, with a required congressional report within five years.

Who does it affect?

The bill primarily affects farmers and agricultural landowners, rural and farming communities, and local governments in flood-prone areas. Property owners with multiple structures on one lot, including apartment complexes and commercial sites, are also affected.

Why does it matter?

Under current rules, communities that do not enforce elevation and floodproofing standards risk removal from the NFIP, leaving all residents unable to purchase federal flood coverage. Farmers who receive a waiver can still buy flood insurance, but their premiums are calculated as if the building had been properly floodproofed, and eligibility is limited by location, safety, and claims history conditions.

What does it cost, and who pays?

• Waiver premiums priced as if floodproofed
• Umbrella policy priced at actual flood risk