NFIP Extension Act of 2025
The NFIP Extension Act of 2025 would extend the authorization and ongoing operation of the National Flood Insurance Program (NFIP) through September 30, 2025. Specifically, it amends two provisions of the National Flood Insurance Act of 1968: (1) the financing authority in Section 1309(a) to extend the funding/authorization date to Sept. 30, 2025, and (2) the program expiration in Section 1319 to Sept. 30, 2025. The bill also includes a retroactive provision so if it is enacted after March 14, 2025, the amendments take effect as if enacted on March 14, 2025. The short title is the NFIP Extension Act of 2025. The bill was introduced in the House by Mr. Garbarino and referred to the Committee on Financial Services. This is a narrowly focused renewal that keeps NFIP from lapsing and ensures continued federal flood insurance coverage while Congress considers longer-term reforms. It does not include policy changes to premiums, deductibles, or program terms beyond extending the authorization period.
Key Points
- 1Extends NFIP financing authority to September 30, 2025 (amends Section 1309(a)).
- 2Extends NFIP program expiration to September 30, 2025 (amends Section 1319).
- 3Retroactive effective date: if enacted after March 14, 2025, the amendments take effect as if enacted on March 14, 2025.
- 4Short title: “NFIP Extension Act of 2025.”
- 5Status and sponsorship: Introduced in the House by Mr. Garbarino; referred to the Committee on Financial Services.