Back to all bills
S 2946119th CongressIn Committee
NFIP Extension Act
Introduced: Sep 30, 2025
Sponsor: Sen. Kennedy, John [R-LA] (R-Louisiana)
Environment & ClimateFinancial Services
Standard Summary
Comprehensive overview in 1-2 paragraphs
The NFIP Extension Act would provide a short-term reauthorization of the National Flood Insurance Program (NFIP) through November 21, 2025. It amends the National Flood Insurance Act of 1968 to push forward the program’s financing authority and its expiration date to that November date, ensuring continued operation, funding, and availability of flood insurance without interruption. The bill also includes a retroactive effective date provision: if enacted after September 30, 2025, the amendments would take effect as if they had been enacted on September 30, 2025. In short, this is a narrow, time-limited extension to prevent a lapse in NFIP activities and coverage.
Key Points
- 1Short title: The bill is titled the “NFIP Extension Act.”
- 2Financing extension: Amends Section 1309(a) to change the financing end date from September 30, 2023 to November 21, 2025.
- 3Program expiration: Amends Section 1319 to change the program expiration date from September 30, 2023 to November 21, 2025.
- 4Retroactive effective date: If enacted after September 30, 2025, the amendments apply retroactively to that date (as if enacted on September 30, 2025).
- 5Legislative status: Introduced in the Senate by Mr. Kennedy (for himself and Mr. Cassidy); referred to the Committee on Banking, Housing, and Urban Affairs.
Impact Areas
Primary group/area affected: Homeowners, renters, and businesses insured under the NFIP, as well as lenders and insurers relying on NFIP coverage; state and local governments participating in NFIP floodplain management.Secondary group/area affected: FEMA (which administers NFIP) and the broader housing/insurance markets that depend on NFIP continuing to operate without lapse.Additional impacts: Provides continuity of flood insurance coverage and claims payment during the extension period; does not introduce policy changes to premiums, rating, or coverage terms beyond extending the program timeline.
Generated by gpt-5-nano on Oct 23, 2025