To extend the National Flood Insurance Program through November 21, 2025.
Summary
What This Bill Does
This bill extends the National Flood Insurance Program through November 21, 2025. It amends section 1309(a) of the National Flood Insurance Act of 1968 by replacing the September 30, 2023 date with November 21, 2025, preserving the program's authority to issue flood insurance. It also amends section 1319 by replacing the same date with November 21, 2025, preserving the related financing authority. The bill is narrow: it does not rewrite flood maps, premiums, mitigation grants, or claims rules; it keeps NFIP operating through the new date.
Who Benefits and How
NFIP policyholder families benefit because federal flood insurance authority remains available through November 21, 2025. Homeowners in flood-prone communities benefit from continued access to federally backed flood insurance. Mortgage lenders benefit because required flood insurance can remain available for properties in special flood hazard areas. Real estate closing agents benefit because transactions that require flood insurance are less likely to stall from program expiration.
Who Bears the Burden and How
FEMA flood insurance administrators must continue program operations through the extended date. Federal taxpayers remain exposed to NFIP financial risk during the extension period. Congressional banking committees still must address any longer-term NFIP reauthorization or reform before the new deadline. Private flood insurers continue operating alongside an extended federal competitor.
Key Provisions
- Extends National Flood Insurance Program authority to November 21, 2025.
- Extends the related National Flood Insurance Act financing provision to November 21, 2025.
- Provides a short-term continuation without changing flood maps, premiums, mitigation grants, or claims rules.
Evidence Chain:
This summary is generated from the full bill text using AI analysis. Expand "Detailed Analysis" below for identified beneficiaries/burden bearers.
At a Glance
What This Bill Does
Extends the National Flood Insurance Program's authority and borrowing/financing provisions from September 30, 2023 to November 21, 2025.
Key Policy Areas
Flood Insurance, Housing, Disaster Risk
Primary Purpose
Extends the National Flood Insurance Program's authority and borrowing/financing provisions from September 30, 2023 to November 21, 2025.
Policy Domains
Resolution provisions
Identified Gains
Contextual inference, no direct clause citation- NFIP policyholder families
- Homeowners in flood-prone communities
- Mortgage lenders
- Real estate closing agents
Contextual inference, no direct clause citation
Identified Costs
Contextual inference, no direct clause citation- FEMA flood insurance administrators
- Federal taxpayers
- Congressional banking committees
- Private flood insurers
Contextual inference, no direct clause citation
Sponsors
Legislative Progress
In CommitteeMr. Ezell (for himself, Mr. Carter of Louisiana, Mrs. Fletcher, …
Referred to the House Committee on Financial Services.
Introduced in House
Bill Structure & Actor Mappings
Who is "The Secretary" in each section?
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