Dyess CDC Addition Design Authorization Act

Senate Bill

S. 2109

119th Congress

Dyess CDC Addition Design Authorization Act

In Committee

Introduced:Jun 18, 2025

Primary Sponsor

Ted Cruz

Senator

Republican

TX

Cosponsors

0

Quick Stats

Policy Area

Finance and Financial Sector

Summary

This bill would allow private insurance companies to sell federal flood insurance policies, rather than only the government-run National Flood Insurance Program. This could give consumers more options when purchasing flood coverage.

Latest Action

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

SponsorTed Cruz (R-TX)

Introduced6/18/2025

StatusRead twice and referred to the Committee on Armed Services.

ChamberSenate

Data from Congress.gov

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Vote Prediction

Dyess CDC Addition Design Authorization Act

This bill would allow private insurance companies to sell federal flood insurance policies, rather than only the government-run National Flood Insurance Program. This could give consumers more options when purchasing flood coverage.

Community Breakdown

Pass

0%

Fail

0%

0 predictions

This bill would allow private insurance companies to sell federal flood insurance policies, rather than only the government-run National Flood Insurance Program. This could give consumers more options when purchasing flood coverage.

Bill Number: 2109
Sponsor: Ted Cruz (R-TX)
Introduced: 6/18/2025
Status: Read twice and referred to the Committee on Armed Services.
Policy Area: Finance and Financial Sector

Data from Congress.gov

AI-generated summary

Fact Sheet

Title: Dyess CDC Addition Design Authorization Act
Bill Number: 2109
Sponsor: Ted Cruz (R-TX)
Status: Read twice and referred to the Committee on Armed Services.
Introduced: 6/18/2025
Summary: This bill would allow private insurance companies to sell federal flood insurance policies, rather than only the government-run National Flood Insurance Program. This could give consumers more options when purchasing flood coverage.

Data from Congress.gov

AI Summary

Plain-English explanation of this bill

This bill would allow private insurance companies to sell federal flood insurance policies, rather than only the government-run National Flood Insurance Program. This could give consumers more options when purchasing flood coverage.

Last updated: 12/30/2025

Official Summary

Congressional Research Service summary

<p>This bill requires the Federal Emergency Management Agency (FEMA) to allow a Write Your Own insurance company to sell private flood insurance. A Write Your Own insurance company is a private property insurance company that writes and services federal flood insurance policies in its own name.</p>

Key Points

Main provisions of the bill

Allows private insurance companies to sell federal flood insurance policies, not just the government-run National Flood Insurance Program
Gives consumers more choices when purchasing flood insurance coverage
Could potentially increase competition and options in the flood insurance market

How This Impacts Americans

Potential effects on citizens and communities

If this bill becomes law, it would primarily impact homeowners and businesses located in flood-prone areas who need to purchase flood insurance. They would have the option to buy policies from private insurers in addition to the current government-run program. This could lead to more competitive pricing and a wider variety of policy options for consumers.

Policy Areas

Primary Policy Area

Finance and Financial Sector

Scope & Jurisdiction

Jurisdiction Level

federal

Congressional Session

119th Congress

Citation Reference

2109, 119th Congress (2025). "Dyess CDC Addition Design Authorization Act". Source: Voter's Right Platform. https://votersright.org/bills/118-s-2109

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