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Extends the National Flood Insurance Program's (NFIP) financing and program authorization deadlines by three years, moving both expiration dates from September 30, 2023 to September 30, 2026. If the law is enacted after September 30, 2025, the extension is applied retroactively as of September 30, 2025. The change updates two statutory expiration dates so FEMA may continue operating the NFIP and use its borrowing authority through September 30, 2026, unless Congress acts otherwise. The bill does not change program rules, benefits, or funding levels—only the authorization window and financing deadline.
The bill keeps flood insurance coverage and FEMA financing authority in place short-term to avoid gaps and ensure claims payments, but it postpones structural reforms — maintaining near‑term protection while leaving taxpayers and some homeowners exposed to longstanding solvency and fairness issues.
Homeowners, renters, and property owners retain access to NFIP-backed flood insurance and FEMA keeps its borrowing/financing authority through 2026, ensuring claims payments and program operations continue for roughly three more years.
Homeowners and state governments avoid a coverage/funding interruption because the bill includes a retroactive effective date that preserves continuous authority and coverage back to Sept 30, 2025 if enactment is delayed.
Taxpayers remain exposed to the National Flood Insurance Program's solvency and debt risks because extending authorization delays more comprehensive, longer‑term reforms that would address program financial vulnerabilities.
Homeowners who face high premiums or contest flood mapping continue to be affected by existing premium-setting and mapping practices that many view as unfair, since the extension keeps current structures in place without structural change.
Introduced September 29, 2025 by John Neely Kennedy · Last progress September 29, 2025