The Budgeted Influence Maximization (BIM) problem aims to maximize social influence under cost constraints, yet existing methods struggle with computational complexity and adaptability to diverse cost models. We propose ComIVY, a novel approach integrating community structure detection with the IVY algorithm which is a new bio-inspired modeling variant drawing inspiration from the growth patterns of Ivy plants. ComIVY dynamically allocates budgets across communities, selects seed nodes via IVY optimization, and reduces influence overlap through a two-hop neighbor filtering mechanism. We evaluate ComIVY on six real-world networks, demonstrating up to 25% higher influence spread compared to six state-of-the-art baselines across varying budgets, while maintaining reasonable runtime efficiency.