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Floodplain bill draws municipal and county officials warning of insurance and planning impacts; no committee vote

2841052 · April 1, 2025
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Summary

Senate Bill 518, which would bar municipalities from adopting floodplain regulations that exceed the National Flood Insurance Program, prompted extended testimony from municipal and county officials who said local measures reduce insurance premiums and mitigate damage; the committee heard testimony but did not take a vote

Senate Bill 518 drew extended testimony from municipal planners, county officials and private developers after Senator Bart Hester introduced a measure to prevent municipalities from imposing floodplain regulations above the requirements of the federal National Flood Insurance Program (NFIP).

Senator Bart Hester introduced the concept and said the bill would prevent municipalities from adopting floodplain rules that exceed NFIP standards. “What this bill says is we can't regulate floodplains more than the federal government,” he said.

Municipal and county witnesses said a voluntary federal incentive program — the Community Rating System (CRS) — encourages and rewards communities that adopt higher-than-minimum floodplain standards by reducing flood-insurance premiums for local policyholders. Denny McPhate, deputy city…

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