National Flood Insurance Program Automatic Extension Act of 2025
Sponsored By: Representative Carter (LA)
Introduced
Summary
Automatic contingent extension of the National Flood Insurance Program would let the NFIP keep operating past a scheduled termination if Congress does not act. The bill defines key dates, preserves funding and limits during any extension, excludes statutorily fixed pilot programs, and would take effect retroactively to September 30, 2025.
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- Families and current policyholders: Would keep existing flood insurance policies in force and let FEMA pay claims and service policies during the extension. It would also prohibit new NFIP flood insurance contracts after September 30, 2023.
- NFIP operations and FEMA: Would preserve authority to enter into, issue, or renew NFIP contracts and to otherwise operate the program until the last day of the fiscal year after the fiscal year that contains the termination date. Funding authorizations and limits that would expire on the termination date would remain at the same levels and terms that were in effect the day before that date.
- Pilot programs and studies: Would not extend any pilot, demonstration, study, task force, commission, council, or committee that statute requires to end on a specific calendar date. It also clarifies that nothing in the section impairs flood insurance contracts lawfully in effect the day before enactment or the United States' obligations to them.
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Bill Overview
Analyzed Economic Effects
2 provisions identified: 1 benefits, 1 costs, 0 mixed.
Protect current flood insurance coverage
If enacted, the bill would automatically extend the federal flood insurance program's authority. Current NFIP policies would stay in force and claims would keep being paid. The extension would run until the last day of the fiscal year after the "terminal fiscal year," unless Congress acts first. Funding limits and authorizations that would otherwise expire would remain at the same dollar amounts and terms that applied the day before the termination date. The section would be treated as if effective September 30, 2025.
Ban on new federal flood policies
If enacted, the bill would bar issuing any new federal flood insurance contract dated after September 30, 2023. That means you could not get a new NFIP policy that starts after that date. The bill would also not extend any NFIP pilot or demonstration program that a statute says must end on a specific calendar date. The section's changes are written as if effective September 30, 2025.
Sponsors & CoSponsors
Sponsor
Carter (LA)
LA • D
Cosponsors
Ezell
MS • R
Sponsored 12/10/2025
Letlow
LA • R
Sponsored 12/10/2025
Higgins (LA)
LA • R
Sponsored 12/10/2025
Fletcher
TX • D
Sponsored 12/10/2025
Fields
LA • D
Sponsored 12/10/2025
Roll Call Votes
No roll call votes available for this bill.
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