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National Flood Insurance Program Extended Until 2026

This act extends the National Flood Insurance Program (NFIP) until September 30, 2026. This means citizens in flood-prone areas will continue to have access to federal flood insurance, providing financial protection against flood damage. It brings stability for property owners and communities.
Key points
The NFIP flood insurance program will operate until September 30, 2026, ensuring continuous coverage.
Individuals in flood-prone areas will still be able to purchase or renew flood insurance policies.
If enacted after September 30, 2025, the changes will be effective retroactively from that date, ensuring uninterrupted protection.
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Placed on Calendar
Citizen Poll
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Additional Information
Print number: 119_HR_5577
Sponsor: Rep. Garbarino, Andrew R. [R-NY-2]
Process start date: 2025-09-26
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Summarized by: gemini-2.5-flash-preview-05-20
Source data: api.congress.gov
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OFFICIAL LEGAL TITLE

NFIP Extension Act of 2026

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 119_HR_5577.

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 2025-09-26.

What are the main provisions?

Key points include:

  • The NFIP flood insurance program will operate until September 30, 2026, ensuring continuous coverage.
  • Individuals in flood-prone areas will still be able to purchase or renew flood insurance policies.
  • If enacted after September 30, 2025, the changes will be effective retroactively from that date, ensuring uninterrupted protection.
What is the specific legal status?

The current status is Placed on Calendar.

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: Placed on the Union Calendar, Calendar No. 391.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-23.

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