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Congress·In Progress·3 months ago

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

Also known as: NFIP Extension Act of 2026

Impacts

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

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

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

Related News

2 articles
National Mortgage Professional·25 days ago

Congress Ends Partial Shutdown, Extends NFIP Through 2026

President Trump signed a funding package ending a brief shutdown and reauthorizing the NFIP through Sept. 30, 2026. The extension prevents disruptions to an estimated 1,300 daily home sales that rely on federal flood insurance for mortgage approvals and property closings.

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Insurance Journal·4 months ago

Bipartisan Legislation Introduced to Retroactively Restore NFIP

Reps. Troy Carter (D-La.) and Mike Ezell (R-Miss.) introduced legislation to reauthorize the NFIP through 2026 with retroactive coverage. The bill aims to protect policyholders whose coverage lapsed during the October government shutdown, preventing immediate shifts to full-risk premium rates.

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