Flood Insurance Reform Act of 2004

The Bunning-Bereuter-Blumenauer Flood Insurance Reform Act of 2004 (Pub.L. 108–264) reformed the National Flood Insurance Program (NFIP) and the terms of the National Flood Insurance Act of 1968. It was designed to "reduce losses to properties for which repetitive flood insurance claim payments have been made." The Act's main sponsors were Sen. Jim Bunning, Rep. Doug Bereuter, and Rep. Earl Blumenauer.

The Act's preamble included the following Congressional findings that quantify the motivation for the new law:

When introduced in the House on January 8, 2003, the bill was called the Two Floods and You Are Out of the Taxpayers' Pocket Act of 2003.