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Extends the statutory financing authority and authorization for the National Flood Insurance Program (NFIP) through December 31, 2026, by replacing prior September 30, 2023 expiration dates in existing law. If the Act is enacted after September 30, 2025, the extension is effective retroactively to September 30, 2025. The bill does not change program rules, benefits, or funding formulas; it only moves the statutory expiration and financing authority dates forward to keep the NFIP authorized and able to operate through the end of 2026 (with possible retroactive effect).
The bill maintains short-term continuity of the National Flood Insurance Program through Dec 31, 2026—protecting current policyholders and avoiding funding disruptions—but it delays longer-term solvency and pricing reforms and may sustain incentives that encourage development in high‑risk flood areas.
Homeowners with NFIP policies retain federal flood insurance coverage through Dec 31, 2026, preventing immediate lapses in protection and reducing near-term financial exposure from flood losses.
State and local governments retain access to federal flood insurance support through Dec 31, 2026, preserving a reliable financing option for rebuilding and recovery decisions after floods.
Taxpayers avoid emergency funding gaps or abrupt NFIP shutdowns that could force costly stopgap appropriations or emergency spending.
Homeowners and taxpayers face delayed implementation of longer-term NFIP reforms (including solvency fixes and more accurate premium pricing) because the extension postpones those decisions past Dec 31, 2026.
Homeowners in flood-prone areas and their communities may continue to face incentives for development in high-risk zones because the extension preserves existing premium/subsidy structures that can encourage risky construction.
Introduced October 28, 2025 by Mike Ezell · Last progress October 28, 2025