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HD 2212

An Act relative to civil liability for improper flood hazard determinations

194th Legislature (2025-2026) Introduced by Bruce Ayers

HD 2212: An Act relative to civil liability for improper flood hazard determinations OverviewBill Number: HD 2212 Title: An Act relative to civil liability for improper flood haza

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Bill Summary · HD 2212

HD 2212: An Act relative to civil liability for improper flood hazard determinations

Overview

Bill Number: HD 2212
Title: An Act relative to civil liability for improper flood hazard determinations
Status: Proposed bill
Introduced: November 29, 2025

Purpose and Intent

The primary goal of this bill is to establish civil liability for entities that provide inaccurate or negligent flood hazard determinations, which can have significant financial and safety consequences for property owners. The legislation aims to incentivize greater diligence and accuracy in the flood risk assessment process, ultimately protecting homeowners and businesses from the harms of faulty flood determinations.

Key Provisions

  • Imposes civil liability on any person or entity that conducts a flood hazard determination for a property, if that determination is found to be materially inaccurate or negligent
  • Allows property owners who suffer damages due to an improper flood hazard determination to file a civil lawsuit against the responsible party
  • Establishes a standard of "reasonable care" that flood determination providers must meet, based on industry best practices and federal guidelines
  • Requires flood determination providers to carry minimum levels of professional liability insurance to cover potential claims
  • Directs the state insurance commissioner to develop regulations for implementing and enforcing the new liability standards

Affected Parties and Impacts

  • Property owners: Would gain the ability to seek financial compensation if they incur damages from an inaccurate flood hazard assessment, providing a safeguard against costly errors
  • Flood determination providers (e.g. engineering firms, insurance companies): Face new liability risks and must adjust their practices and insurance coverage to comply with the law
  • Mortgage lenders and real estate professionals: Indirectly affected as they rely on accurate flood determinations for transactions and risk management

Procedural and Timeline Considerations

HD 2212 was introduced in the state legislature on November 29, 2025 and has been referred to the Joint Committee on Financial Services for initial review and public hearings. If reported favorably by the committee, the bill would then proceed to a full floor vote in both legislative chambers. Given the consumer protection focus, the bill has garnered bipartisan support, but its passage timeline remains uncertain.

Compiled from official sources — confirm details with the bill’s official record.

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