Flood Insurance for Farmers Act of 2025

This bill creates a new process for farmers to request variances from standard floodproofing or elevation requirements for agricultural structures located in flood zones. Local officials can approve these variances if they determine floodproofing or elevation isn't feasible, the structure isn't in high-risk areas like floodways or near levees, and there have been limited past flood claims ($1,000 or less in 10 years). Crucially, it requires insurance premiums for these structures to match the rate for properly floodproofed buildings in the same zone. The bill directly affects farmers with agricultural properties in flood-prone areas, aiming to reduce insurance costs while maintaining safety standards.