Sponsors (2)
The bill preserves flood insurance coverage and FEMA program continuity in the near term to avoid coverage gaps, at the cost of higher near-term federal exposure and delayed longer-term reforms to the flood insurance system.
Homeowners, renters, and flood claimants keep continuous access to NFIP coverage and financial assistance through Dec 31, 2026, and a retroactive effective date prevents gaps in coverage or claims if enactment occurs after Sept 30, 2025.
Maintains FEMA's authority, funding mechanisms, and claims-processing continuity for the National Flood Insurance Program, supporting stable disaster response and program operations.
Extending the NFIP authorization may increase federal outlays and raise costs to taxpayers if future claims exceed program reserves.
A short-term extension through 2026 delays longer-term reforms to flood insurance rates, mapping, and private-market participation, prolonging uncertainty for property owners and for efforts to reduce long-term costs.
Based on analysis of 2 sections of legislative text.
Extends NFIP financing and program expiration dates from Sept 30, 2023 to Dec 31, 2026, with retroactive effect to Sept 30, 2025 if enacted later.
Introduced October 28, 2025 by Mike Ezell · Last progress October 28, 2025
Extends key National Flood Insurance Program (NFIP) authority by moving two expiration dates from September 30, 2023 to December 31, 2026, allowing NFIP financing and program operations to continue. If the law is enacted after September 30, 2025, the changes are treated as having taken effect on September 30, 2025 to avoid any gap in authority. The measure is narrowly focused: it updates statutory expiration dates and includes a retroactivity rule; it does not create new programs, change coverage rules or rates, or provide new appropriations.