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Congress·In Committee·S. 1015

Senate Committee Reviews Bill to Keep National Flood Insurance Program Running Through 2026

A bill to extend the National Flood Insurance Program through December 31, 2026.

about 1 year ago·View on Congress.gov
Part of: SAVE America Act and DHS Funding Standoff
⏸

Stalled

No legislative action in over 90 days.

Legislative Progress

Senate
House
President
Law

Key Points

  • Extends the federal National Flood Insurance Program so it keeps operating through December 31, 2026.
  • Helps homeowners and renters in flood-prone areas keep access to flood insurance that many private insurers don’t offer.
  • Supports home buying and refinancing in many communities, since lenders often require flood insurance in high-risk zones.
  • Gives insurers, lenders, and local governments more certainty, reducing disruption from short-term program extensions.
HousingConsumer ProtectionEnvironment

Impact Analysis

Personal Impact

How this policy affects specific groups of people

Positive Impacts(7)
Housing Assistance
Helps
Homeowner
Helps
Child Tax Credit
Helps
Renter
Helps
Small Business Owner
Helps
Retiree
Helps
Chronic Illness
Helps

Political Response

Milestones

2 milestones2 actions
Mar 13, 2025Senate

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (Sponsor introductory remarks on measure: CR S1745)

Mar 13, 2025

Introduced in Senate

What Happens Next

Projected impacts based on AI analysis

2026-12-31

NFIP authority continues without a scheduled expiration until December 31, 2026

People who need NFIP flood insurance (often for a mortgage) are less likely to face renewal and home-closing problems tied to short-term expirations.

During 2025–2026 homebuying seasons

Homebuyers in flood zones can keep using NFIP policies during 2025–2026 purchase and refinance cycles

Fewer last-minute scrambles for proof of flood coverage that can delay or derail a closing.

At the policyholder’s next renewal date, through 2026

Current NFIP policyholders can plan renewals through 2026 with less uncertainty about a program lapse

More predictable household budgeting for insurance and fewer forced coverage gaps.

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Source Information

Document Type

Congressional Bill

Official Title

A bill to extend the National Flood Insurance Program through December 31, 2026.

Bill NumberS 1015
Congress119th Congress
ChamberSenate
Latest ActionRead twice and referred to the Committee on Banking, Housing, and Urban Affairs. (Sponsor introductory remarks on measure: CR S1745)

Sponsor

Cosponsors

(2)
R: 2

Analysis generated by AI. Always verify with official sources.