HR 5574119th CongressIn Committee

To extend the National Flood Insurance Program through November 21, 2025.

Introduced: Sep 26, 2025

Sponsor: Rep. Ezell, Mike [R-MS-4] (R-Mississippi)

Environment & ClimateFinancial Services

Standard Summary

Comprehensive overview in 1-2 paragraphs

This bill proposes a straightforward extension of the National Flood Insurance Program (NFIP) through November 21, 2025. The NFIP is a federal program that provides flood insurance to property owners, renters, and businesses in participating communities, as private insurers typically do not cover flood damage. Without periodic reauthorization by Congress, the program would expire and be unable to issue new policies or renew existing ones. This extension ensures continuity of flood insurance coverage for millions of Americans living in flood-prone areas, preventing a lapse in protection that could leave property owners vulnerable and unable to secure mortgages that require flood insurance.

Key Points

1Extends the authorization of the National Flood Insurance Program until November 21, 2025
2Maintains the current structure and operations of the NFIP without making substantive policy changes
3Prevents a gap in flood insurance availability that would affect property owners nationwide
4Allows time for Congress to work on potential long-term reforms to the program
5Ensures continued compliance with mortgage lending requirements that mandate flood insurance in high-risk areas

Impact Areas

Property owners in flood zones: Ensures continued access to federally-backed flood insurance policiesMortgage lenders and real estate markets: Maintains stability by ensuring required flood insurance remains available for property transactionsFEMA operations: Allows the Federal Emergency Management Agency to continue administering the program without interruptionCoastal and flood-prone communities: Provides ongoing financial protection and disaster recovery support for vulnerable areas

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