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Congress·In Progress·H.R. 5577

NFIP Extension Act of 2026

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

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

Milestones

3 milestones5 actions
Dec 17, 2025House

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

The committee approved this bill and is sending it to the full chamber for a vote. This is a significant step — most bills never get this far.

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

The bill was officially filed and given a number. It now enters the legislative queue.

Votes

No votes have been recorded for this legislation yet.

News

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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

Political Response

Analysis generated by AI. Always verify with official sources.