To exempt certain coastal barrier areas in Florida from Limitations on Federal expenditures and financial assistance under the Coastal Barriers Resources Act, and limitations on flood insurance coverage under the National Flood Insurance Act of 1968.

H.R. 3280 would remove federal restrictions on financial assistance and flood insurance for two specific coastal areas in Gulf County, Florida, known as units P30 and FL-92. Under current law, these areas are part of the Coastal Barrier Resources System, which limits federal spending to discourage development on ecologically sensitive and storm-prone land. If passed, this bill would allow property owners in these specific zones to access federal flood insurance and would permit the use of federal funds for local infrastructure projects and disaster relief.