HR 5848119th CongressIn Committee

NFIP Retroactive Renewal and Reauthorization Act

Introduced: Oct 28, 2025

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

Environment & ClimateFinancial ServicesInfrastructure

Standard Summary

Comprehensive overview in 1-2 paragraphs

This bill extends the National Flood Insurance Program (NFIP) authorization until December 31, 2026, retroactively adjusting its financing and expiration dates to ensure continuity of coverage for flood risks.

Key Points

1Amends Section 1309(a) to extend NFIP financing provisions through 2026
2Modifies Section 1319 to set new program expiration date at year-end 2026
3Includes retroactive effective date clause if enacted after September 30, 2025

Impact Areas

Homeowners in flood-prone areasCommercial property owners requiring flood coverageFederal Emergency Management Agency (FEMA)Insurance industry partners administering NFIP policiesNational disaster preparedness funding

Generated by legislative-analysis-v3 on Nov 1, 2025