Pennsylvania lawmakers should consider granting homeowners tax breaks for water damage expenses, mitigation and repair costs, and flood insurance premiums, according to a new state report.

Those are several of the recommendations by a task force that studied ways to better protect Pennsylvanians from uninsured flood losses by increasing mitigation efforts and encouraging more property owners to purchase flood insurance.

There are 3.1 million insured homes in Pennsylvania – but only about 50,000 are insured against flooding, according to the Federal Emergency Management Administration (FEMA), which administers the National Flood Insurance Program (NFIP).

FEMA statistics also show that from 2013 through 2023, Pennsylvania property owners filed more than 7,580 claims with the NFIP and were paid more than $284 million for da

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