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Flood Insurance Program Extended: NFIP Reauthorized Until December 2026.

This bill ensures the continuation of the National Flood Insurance Program (NFIP), which protects homeowners and businesses from flood damage losses. The extension prevents the program's expiration, allowing citizens in flood-prone areas to maintain or purchase necessary insurance policies. Reauthorizing NFIP until December 2026 provides financial stability and supports real estate transactions.
Key points
The National Flood Insurance Program (NFIP) is extended until December 31, 2026, ensuring continuous coverage availability.
Citizens can continue to buy and renew flood insurance policies often required for mortgages in high-risk areas.
The extension is retroactively effective to September 30, 2025, preventing any lapse in coverage.
article Official text account_balance Process page
Introduced
Citizen Poll
No votes cast
Additional Information
Print number: 119_HR_5848
Sponsor: Rep. Ezell, Mike [R-MS-4]
Process start date: 2025-10-28
Lustra uses Artificial Intelligence. Verify details in source documents.
Summarized by: gemini-2.5-flash-preview-09-2025
Source data: api.congress.gov
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OFFICIAL LEGAL TITLE

NFIP Retroactive Renewal and Reauthorization Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 119_HR_5848.

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 2025-10-28.

What are the main provisions?

Key points include:

  • The National Flood Insurance Program (NFIP) is extended until December 31, 2026, ensuring continuous coverage availability.
  • Citizens can continue to buy and renew flood insurance policies often required for mortgages in high-risk areas.
  • The extension is retroactively effective to September 30, 2025, preventing any lapse in coverage.
What is the specific legal status?

The current status is Introduced.

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. Ezell, Mike [R-MS-4].

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 2025-12-23.

CATEGORIES

Real Estate Economy