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Congress·In Progress·H.R. 5577

House Committee Reviews NFIP Extension Act to Keep Flood Insurance Running Through 2026

NFIP Extension Act of 2026

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

Legislative Progress

House
Senate
President
Law

Key Points

  • Extends the National Flood Insurance Program so it can keep offering flood insurance through September 30, 2026.
  • Keeps the program’s financing authority in place through September 30, 2026, so policies can continue to be sold and renewed.
  • Includes a retroactive start date: if Congress passes it after September 30, 2025, it would still count as effective on that date.
  • For homeowners in flood-prone areas, this aims to avoid coverage disruptions that can affect getting or keeping a mortgage.
HousingConsumer ProtectionEconomy

Impact Analysis

Personal Impact

How this policy affects specific groups of people

Positive Impacts(3)
Housing Assistance
Helps
Homeowner
Helps
Renter
Helps

Political Response

Milestones

3 milestones5 actions
Dec 17, 2025House

Ordered to be Reported (Amended) by the Yeas and Nays: 53 - 0.

Dec 17, 2025House

Committee Consideration and Mark-up Session Held

Dec 16, 2025House

Committee Consideration and Mark-up Session Held

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

When the bill is enacted, if enacted after Sep 30, 2025

NFIP authority is treated as continued starting September 30, 2025 if the bill becomes law after that date

If there was a gap after the deadline, the law would backdate the extension so policy sales and renewals can be treated as valid starting from that date

2026-09-30

NFIP can continue issuing new flood insurance policies and renewing existing policies through September 30, 2026

Homebuyers, homeowners, and renters in flood-risk areas can keep getting NFIP coverage without an expiration-driven shutdown during this period

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Source Information

Document Type

Congressional Bill

Official Title

NFIP Extension Act of 2026

Bill NumberHR 5577
Congress119th Congress
ChamberHouse of Representatives
Latest ActionOrdered to be Reported (Amended) by the Yeas and Nays: 53 - 0.

Sponsor

Cosponsors

(6)
D: 2R: 4

Analysis generated by AI. Always verify with official sources.