If passed, the Flood Insurance for Farmers Act of 2025, reintroduced by Congressmen Doug LaMalfa (R-CA) and John Garamendi (D-CA), would overhaul how agricultural properties are insured against floods. Under the current National Flood Insurance Program (NFIP), farmers pay a separate surcharge for every single structure they insure. Timeline: How the Flood Insurance for Farmers Act of 2025 Reached the SpotlightSpring 2023: Early discussions among California lawmakers and farm groups highlight frustrations with the current NFIP surcharge structure. January 2025: The Flood Insurance for Farmers Act of 2025 is formally reintroduced in the House of Representatives. The Flood Insurance for Farmers Act of 2025 is formally reintroduced in the House of Representatives.