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Extends the statutory deadlines that govern the National Flood Insurance Program (NFIP) so FEMA can continue to finance and operate the program through December 31, 2026. The change pushes prior deadlines of September 30, 2023, forward to December 31, 2026, maintaining the NFIP's borrowing/financing authority and program authorization for an additional period.
The bill preserves short-term access to flood insurance and program operations through 2026, but defers long-term NFIP reform and leaves taxpayers exposed to ongoing program liabilities.
Homeowners and local governments keep access to National Flood Insurance Program (NFIP) coverage through Dec. 31, 2026, preventing gaps in flood insurance availability for at-risk properties.
FEMA retains statutory authority to finance NFIP operations through Dec. 31, 2026, supporting continuity of claims payments and program operations.
Taxpayers remain exposed to NFIP borrowing and claims payments because the extension continues program financing without addressing the NFIP's debt or actuarial shortfalls.
Taxpayers and homeowners face delayed consideration of longer-term NFIP reforms (including pricing and risk-mitigation rules) because the extension pushes reauthorization debates further out.
Introduced April 10, 2025 by Troy Carter · Last progress April 10, 2025