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Flood Insurance Program Extended to 2025

This act extends the National Flood Insurance Program (NFIP) until September 30, 2025. This means citizens in flood-prone areas can continue to purchase and renew flood insurance through this program. It ensures ongoing financial protection for homeowners and businesses.
Key points
The flood insurance program will continue operating until September 30, 2025.
People in flood-risk areas can still get flood insurance through the government program.
If enacted after December 20, 2024, the changes will apply retroactively from that date, ensuring program continuity.
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Status: Expired
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Additional Information
Print number: 118_HR_10543
Sponsor: Rep. Garbarino, Andrew R. [R-NY-2]
Process start date: 2024-12-20
System Note: Lustra is free, publicly auditable civic infrastructure — full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source—always verify them if you can.
Summarized by: gemini-2.5-flash-preview-05-20
Source data: api.congress.gov
AI work logs for this document launch

OFFICIAL LEGAL TITLE

NFIP Extension Act of 2024

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 118_HR_10543.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2024-12-20.

What are the main provisions?

Key points include:

  • The flood insurance program will continue operating until September 30, 2025.
  • People in flood-risk areas can still get flood insurance through the government program.
  • If enacted after December 20, 2024, the changes will apply retroactively from that date, ensuring program continuity.
What is the specific legal status?

The current status is Expired.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. Garbarino, Andrew R. [R-NY-2].

What is the latest detailed status?

The latest detailed status is: Referred to the House Committee on Financial Services.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-24.

What is the impact of this bill?

We don't know—that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge.

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