National Flood Insurance Program Automatic Extension Act of 2025

Ends the National Flood Insurance Program’s (NFIP) normal authority to start new flood insurance contracts after September 30, 2023, but keeps the program’s core functions (issuing/maintaining policies, paying claims, and running operations) alive automatically for an extended wind-down period unless Congress acts sooner. Funding levels and limits in effect immediately before the termination date are preserved; short-term pilots and similar temporary authorities are excluded from the automatic extension. The law is given a retroactive effective date of September 30, 2025.