Track bills, resolutions, and amendments moving through Congress
NFIP Extension Act of 2025
The bill ensures continuous NFIP coverage and FEMA's ability to pay flood claims (including retroactive coverage) through Sept 30, 2025, at the cost of extending federal borrowing and postponing long-term NFIP reforms that affect premiums and flood mapping.
National Flood Insurance Program Automatic Extension Act of 2025
The bill preserves short-term NFIP coverage and operational continuity for policyholders and insurers, but it extends federal financial exposure, reduces opportunities for timely reform and oversight, and creates some retroactive legal uncertainty.
NFIP Extension Act
The bill preserves uninterrupted NFIP coverage and FEMA's ability to pay claims in the short term, but does so by extending federal borrowing and delaying reforms—raising taxpayer exposure and creating some legal uncertainty.
NFIP Extension Act
Flood Insurance Consumer Choice Act of 2025
The bill protects homeowners from losing grandfathered NFIP rates when using private flood insurance, at the cost of potential higher NFIP exposure and added administrative verification burdens that could shift costs or complexity onto taxpayers and FEMA.
Ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products.
The bill expands private flood-insurance options and could reduce federal exposure, but shifts risk to private markets in ways that may raise costs for high-risk property owners and create coordination and consumer-protection challenges.
Flood Insurance Transparency Act of 2025
The bill increases public, machine-readable flood-risk and NFIP performance transparency—helping homeowners, communities, and the private sector make better decisions and plan mitigation—at the cost of privacy risks, possible insurance/market impacts for listed properties, and additional FEMA implementation and administrative burdens.
Floodplain Enhancement and Recovery Act
The bill makes it easier and cheaper to carry out floodplain and habitat restoration by broadening eligible projects and waiving certain fees, but it trades off modest increases in localized flood risk, potential revenue and administrative impacts for FEMA and local governments, and some legal ambiguity until federal guidance is issued.
Repeatedly Flooded Communities Preparation Act
The bill directs data-driven identification and planning to reduce repeated flood losses and increases federal oversight, but it creates compliance-related burdens and sanctions that could cut off insurance or aid for under-resourced communities and raises privacy concerns for property owners.
Extend the National Flood Insurance Program through December 31, 2026.
The bill preserves NFIP coverage availability and short-term funding flexibility through the end of 2026, protecting homeowners and program solvency in the near term while extending federal borrowing risk and delaying private-market growth in flood insurance.
NFIP Premium Transparency Act
The bill increases transparency and gives property owners new online tools to make better flood‑insurance and mitigation decisions, but it raises privacy concerns, administrative costs that could raise premiums or taxpayer burdens, and risks of confusing disclosures or proprietary disclosures for insurers.
Homeowners’ Defense Act of 2025
The bill expands and finances state‑backed catastrophe insurance and mitigation support—improving coverage, faster payments, and targeted resilience funding—at the cost of greater federal/taxpayer contingent liabilities, potential higher premiums, and administrative/market distortions that may encourage riskier development or crowd out private markets.
National Flood Insurance Program Clarification Act of 2026
The bill speeds FEMA's NFIP work and reduces program delays by limiting ESA Section 7 review for NFIP actions, but does so at the cost of environmental protections, potential increased flood risks for homeowners, legal uncertainty for local projects, and reduced oversight and accountability.
National Flood Insurance Program Affordability Act
The bill expands and clarifies eligibility and payment flexibility to reduce flood-insurance costs and lapses for low/moderate-income households and some small entities, but it does so at a recurring federal cost and with implementation, fiscal, and access risks that could shift costs or leave some households and organizations unprotected.
To amend the National Flood Insurance Act of 1968 to allow for the consideration of private flood insurance for the purposes of applying continuous coverage requirements, and for other purposes.
The bill protects homeowners' continuous-coverage rate protections when they hold qualifying private flood policies, at the potential cost of reduced NFIP revenue and added administrative burdens for federal administrators.
National Flood Insurance Program Automatic Extension Act of 2025
The bill keeps flood insurance coverage and program operations running for existing policyholders and communities, but it pauses new enrollments, locks in existing funding/borrowing terms, and risks delaying reforms and creating fiscal and legal uncertainty.
Flood Insurance for Farmers Act of 2025
The bill makes it easier and cheaper for agricultural owners to build and for various property owners to buy consolidated flood coverage while preserving community NFIP access, but it increases flood risk for some structures and raises potential costs and fiscal exposure for the NFIP and certain policyholders.
NFIP Retroactive Renewal and Reauthorization Act
The bill preserves short-term flood insurance coverage and FEMA's ability to pay claims (reducing near-term disruption for homeowners and disaster response) at the cost of greater federal financial exposure, potential delays in private-market development and reform, and added administrative complexity.
NFIP Extension Act of 2026
The bill preserves short-term access to and payment of NFIP flood insurance claims (including retroactive coverage protection) but does so by extending FEMA's borrowing authority, increasing federal liabilities and potentially delaying longer-term solvency and pricing reforms.
To extend the National Flood Insurance Program through November 21, 2025.
The bill preserves near-term NFIP coverage and liquidity through Nov 21, 2025, avoiding immediate disruption, but it delays decisions on long-term reform and keeps federal fiscal exposure to flood losses.
National Flood Insurance Program Reauthorization and Reform Act of 2025
The bill modernizes mapping, expands mitigation funding, and preserves short‑term affordability and consumer protections for many policyholders — but does so at meaningful upfront federal cost, with new privacy risks, added local compliance burdens, and the likelihood that more accurate, actuarial pricing will raise costs for some property owners over time.
IMAGES Act of 2025
The bill improves flood maps, real‑time monitoring, and public flood data to boost safety, planning, and innovation, but it raises privacy and misuse risks, diverts a portion of NFIP funds, and imposes costs and implementation burdens that may delay benefits.
Fix Our Flooded Basements Act of 2025
The bill expands flood coverage and encourages basement-specific mitigation—giving more homeowners and renters meaningful recovery and resilience options—but raises program costs, adds administrative complexity, and could shift or dilute limited disaster assistance resources.
FEMA Act of 2025
The bill centralizes and clarifies FEMA authority and accelerates disaster recovery, assistance, and mitigation—benefiting survivors and local governments—but does so at the cost of transition expense, increased federal spending, privacy and environmental tradeoffs, and higher risks of rushed decisions, oversight gaps, and legal uncertainty.
INSURE Act
The bill aims to stabilize and expand federally backed catastrophe reinsurance and encourage mitigation—helping homeowners, businesses, insurers, and regulators manage disaster risk—but it increases taxpayer contingent exposure, may raise premiums and compliance burdens, and phases protections in slowly for some perils.
Keeping Homeownership Costs Down Act
The bill speeds FEMA flood determinations and final map updates—benefiting homeowners and government planning—but does so by limiting deferrals in ways that could increase flood risk, harm protected species, and raise litigation and costs.
Preventing Environmental Hazards Act of 2025
The bill provides immediate, predictable federal payments to NFIP-insured homeowners to demolish or relocate imminently failing shoreline structures—reducing near-term financial shock and enabling relocation—but it limits future federal aid for the same property and leaves gaps (eligibility, contents, cap, and administrative costs) that may leave some owners exposed.
To extend the National Flood Insurance Program through December 31, 2026.
The bill preserves short-term access to flood insurance and NFIP liquidity, but sustains taxpayer exposure to program debt and delays longer-term reforms that would better align premiums with flood risk.
NFIP Extension Act of 2025
The bill preserves short-term access to flood insurance and program liquidity through Sept 30, 2025, but increases taxpayer exposure and risks delaying needed long-term NFIP reforms and certainty.
Town of North Topsail Beach Coastal Barrier Resources System Map Amendment Act of 2025
The bill aligns federal coastal maps with local zoning and speeds map corrections—reducing local uncertainty—but does so by removing certain parcels from federal coastal protections, raising flood and fiscal risks and limiting opportunities for public challenge.
