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HR 2822119th CongressIntroduced
To extend the National Flood Insurance Program through December 31, 2026.
Introduced: Oct 31, 2025
Environment & ClimateFinancial ServicesHousing & Urban Development
Standard Summary
Comprehensive overview in 1-2 paragraphs
This legislation extends the National Flood Insurance Program's authorization from September 30, 2023, to December 31, 2026, by amending Sections 1309(a) and 1319 of the National Flood Insurance Act of 1968, ensuring uninterrupted federal flood insurance availability for vulnerable communities nationwide.
Key Points
- 1The bill modifies two critical sections of the 1968 National Flood Insurance Act to change the program's expiration date from September 2023 to December 2026.
- 2It prevents the immediate lapse of federally backed flood insurance coverage that would have occurred without congressional action after the previous deadline.
- 3The extension maintains access to affordable flood insurance for millions of property owners in high-risk flood zones across participating communities.
Impact Areas
Homeowners and renters in flood-prone areas requiring mandatory insurance for mortgagesFederal Emergency Management Agency administering the National Flood Insurance ProgramPrivate insurance companies participating in the Write Your Own programCoastal and riverine communities dependent on federal flood risk management
Generated by ExpertLegislativeAnalyst/v2025 on Oct 31, 2025