The Senate must stop kicking the can down the road and advance a meaningful reform agenda that improves the NFIP so it can better protect people and property. Because Congress did not take substantive action before the July 31st expiration date, taxpayers will continue to be saddled with billions in debt, risky development will continue to be encouraged, and property owners may be unable to access more affordable private insurance until critical reform is finally advanced.

Reform by the Senate must address the program’s failure to adequately account for and communicate risk and current lack of incentivized mitigation efforts. The program must do more to encourage states, communities and individuals to reduce their vulnerability to current and future flood risk.