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Congress·In Committee·H.R. 5574

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

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

6 months ago·View on Congress.gov
Part of: SAVE America Act and DHS Funding Standoff
⏸

Stalled

No legislative action in over 90 days.

Legislative Progress

House
Senate
President
Law

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

Impact Analysis

Personal Impact

How this policy affects specific groups of people

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

Political Response

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.

621 Articles

NewsweekCenter

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Washington ExaminerCenter Right

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The HillCenter

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Fox NewsRight

WATCH: Dem senators make the case for the very bill they're trying to kill

The AtlanticCenter Left

Why the Senate Is Debating a Doomed Elections Bill

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. Always verify with official sources.