Many commercial property owners in flood-risk areas would no longer have to buy flood insurance under federal law. The requirement would stay for certain homes. FEMA could still sell coverage, and lenders could still require it.
Modern Action explains what the legislation does, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.
To repeal the mandatory flood insurance coverage requirement for commercial properties located in flood hazard areas, and for other purposes. is a House bill in Congress.
Who this affects: This bill mainly affects commercial property owners and businesses with buildings in flood-risk areas. It also affects banks and other lenders that finance those buildings, because they could set their own flood insurance rules. Homeowners with qualifying residential property would still face the federal insurance requirement. FEMA and the National Flood Insurance Program would still be allowed to offer coverage for eligible non-residential and multifamily properties.
Why this matters: Flood-prone businesses could get more choice over whether to buy insurance, but they could also face bigger losses if they skip coverage. Some owners may save money up front. Some lenders may still require coverage to protect their loans. The bill does not say how this would affect the National Flood Insurance Program, private insurers, or borrowing costs for commercial properties in flood zones.
You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.
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Officially: To repeal the mandatory flood insurance coverage requirement for commercial properties located in flood hazard areas, and for other purposes.
Many commercial property owners in flood-risk areas would no longer have to buy flood insurance under federal law. The requirement would stay for certain homes. FEMA could still sell coverage, and lenders could still require it.
Use this page to support, oppose, or ask Congress to amend HR1307. Modern Action explains what the bill does, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
Sitting in House Committee
No vote scheduled. Constituent contact is what moves bills out of committee.
↓ Why your message matters here
This bill is sitting in committee with no scheduled vote — which means a small number of constituent messages can decide whether it moves forward or quietly dies.
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Where this bill is in the process
Introduced
Introduced in House
House Committee
Under House committee consideration
House Floor Vote
Voted on by House
Passed House
Approved by House
Senate Review
Sent to Senate for consideration
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
For more detail
Choose one clear position: support, oppose, or amend. Then pick any reasons or personal context you want included. Modern Action uses that input and the bill context to draft a message you can edit and send.
Congressional offices prioritize messages from their own constituents. Modern Action uses your address to route the drafted message to your House representative when that is the most relevant target for this bill.
The draft includes the bill number, your position, the reasons you selected, any personal context you added, and a direct ask such as voting yes, voting no, cosponsoring, opposing, or seeking changes. You stay in control because you can edit the message before sending.
This page gives you an opportunity to support, oppose, or ask for changes to To repeal the mandatory flood insurance coverage requirement for commercial properties located in flood hazard areas, and for other purposes., then contact the elected officials who can act. Modern Action drafts the message from your position and the reasons you select.
Modern Action keeps the action tied to the bill itself: what it does, where it is in the process (introduced), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around HR1307, your stance, and the reasons you choose, then lets you edit and send when ready.
