HR 291 Louisiana House · 2025 Regular Session

INSURANCE: Memorializes the United States Congress to end Risk Rating 2.0 and to take certain other necessary actions to alleviate the financial burden of flood insurance

This is a Louisiana state resolution (not a federal bill), memorializing Congress to take specific actions regarding flood insurance. It requests Congress pass three proposed bills: the Flood Insurance Affordability Act (capping annual premium increases at 9%), the Risk Rating 2.0 Transparency Act (requiring FEMA to publish pricing data), and the Flood Insurance Affordability Tax Credit Act (providing a 33% tax credit for low/middle-income households). The resolution aims to end FEMA's Risk Rating 2.0 methodology, which homeowners in Louisiana coastal parishes and across the U.S. claim has caused significant premium hikes despite mitigation efforts. It directly affects homeowners facing unaffordable flood insurance costs under the current system.

Bill status passed 3 of 5 stages cleared

Introduction

Jun 2025

Committee Review

House Passage

Jun 2025

Senate Passage

Governor

Introduced Jun 4, 2025 Last action Jun 11, 2025

Maddy AI version diff · 1 comparison

What changed between versions

HR291 Original → HR291 Enrolled · 4 edits · Jun 10, 2025

MODERATE

The bill was converted from a draft resolution to an enrolled version, expanding its scope from solely memorializing Congress to specifically requesting the passage of three named acts (Flood Insurance Affordability Act, Risk Rating 2.0 Transparency Act, and Flood Insurance Affordability Tax Credit Act) and the end of FEMA's Risk Rating 2.0. The text was updated to reflect the enrolled status, include a full list of sponsoring representatives, and expand the geographic scope of affected parishes to include all coastal parishes across Louisiana and the United States.

Scope change

The bill's scope expanded from a general memorial to specifically request the passage of three named federal acts and explicitly target the end of FEMA's Risk Rating 2.0 methodology. The geographic scope was broadened to include all coastal parishes in Louisiana and all fifty states.

SCOPE

The resolution now explicitly requests Congress to pass three specific named acts: the Flood Insurance Affordability Act, the Risk Rating 2.0 Transparency Act, and the Flood Insurance Affordability Tax Credit Act.

The resolution explicitly requests the end of FEMA's Risk Rating 2.0 methodology to assist citizens in coastal parishes and across the United States.

ELIGIBILITY

The geographic scope of affected citizens was expanded from specific parishes hit by individual hurricanes to include all coastal parishes in Louisiana and all fifty states.

TECHNICAL

The document header was updated to reflect 'ENROLLED' status and the full list of sponsoring representatives was added.

Floor votes · House Jun 10, 2025

How they voted

92–0

Passed · 10 other

Total votes 102

Jun 10, 2025

D Democratic31

28 Yea 3

90% Yea

R Republican71

64 Yea 7

90% Yea

Vote distribution

All Yea All Nay Mixed No data

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Jun 10, 2025

Lower · Passed

Read by title, roll called, yeas 95, nays 0. The resolution was adopted.

lower

1 primary · 30 co-sponsors