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Congress·In Committee·5 months ago

House Bill Would Extend National Flood Insurance Program Through Nov. 21

Legislative Progress

✓ Filed
Review
House
Senate
President

Impacts

Mixed Impacts(1)
Renter
Neutral
Positive Impacts(6)
Housing Assistance
Helps
Homeowner
Helps
Small Business Owner
Helps
Gig Worker
Helps
Chronic Illness
Helps
Child Tax Credit
Helps

Key Points

  • Congress would keep the National Flood Insurance Program running through November 21, 2025.
  • This helps homeowners and renters in flood-prone areas keep access to federally backed flood insurance without a lapse.
  • It also helps home sales and refinances keep moving in places where lenders require flood insurance before approving a mortgage.
  • The bill mainly changes the program’s end date, preventing a short-term shutdown while Congress considers longer-term plans.
Consumer ProtectionHousing

Milestones

2 milestones2 actions
Sep 26, 2025House

Referred to the House Committee on Financial Services.

Sep 26, 2025

Introduced in House

What Happens Next

Projected impacts based on AI analysis

2025-09-26

NFIP authority continues without a shutdown through November 21, 2025.

People in flood zones can keep buying and renewing NFIP flood insurance, helping mortgages, refinances, and real estate closings continue normally.

2025-11-21

NFIP extension reaches its new end date (program authority set to expire unless extended again).

If Congress does not extend NFIP again, there is a risk of disruptions to issuing/renewing policies, which can delay home sales and some loans in flood zones.

Related News

2 articles
ECO Magazine·5 months ago

US Representatives Introduce Legislation to Reauthorize Flood Insurance Program

Representatives Mike Ezell (R-MS), Troy Carter (D-LA), and Lizzie Fletcher (D-TX) introduced bipartisan legislation to reauthorize the National Flood Insurance Program (NFIP) through November 21, 2025, to prevent a lapse that would jeopardize 4.7 million policies and stall home sales.

C=
The MortgagePoint·5 months ago

National Flood Insurance Program Lapses as Government Shutdown Begins

As the federal government entered a shutdown, the NFIP officially lapsed, prompting bipartisan calls for a short-term extension through November 21, 2025. The lapse prevents FEMA from issuing new policies, impacting roughly 1,300 home closings daily across the country.

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Source Information

Document Type

Congressional Bill

Official Title

To extend the National Flood Insurance Program through November 21, 2025.

Bill NumberHR 5574
Congress119th Congress
ChamberHouse of Representatives
Latest ActionReferred to the House Committee on Financial Services.

Sponsor

Cosponsors

(9)
D: 4R: 5

Analysis generated by AI. While we strive for accuracy, this should not be considered legal or professional advice. Always verify information with official government sources.