National Flood Insurance Program Automatic Extension Act of 2025
Sponsored By: Senator Sen. Cassidy, Bill [R-LA]
Introduced
Summary
This bill would create an automatic contingent extension for the National Flood Insurance Program to prevent abrupt lapses in coverage and funding. It preserves existing flood insurance contracts and keeps program authorities and funding at pre-termination levels unless Congress enacts a law before the termination date.
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- Households with NFIP policies would keep coverage, renewals, and claims payments during the extension through the end of the fiscal year after the bill's "terminal fiscal year."
- Participating insurers and servicers could continue issuing, renewing, and servicing policies and be paid claims under the same terms during the extension.
- Appropriations and dollar limits that would have expired would remain available at the same levels and under the same terms during the extension, including limits on notes under section 1309. The bill would not extend pilot or demonstration programs that a statute requires to end on a specific calendar date and would take effect retroactively as if enacted on September 30, 2025.
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Bill Overview
Analyzed Economic Effects
2 provisions identified: 1 benefits, 1 costs, 0 mixed.
Automatic flood insurance extension for policyholders
This bill would automatically extend FEMA's flood insurance authorities so existing policies, renewals, and claims keep being handled. The extension would last until the last day of the fiscal year after the "terminal fiscal year," unless Congress enacts a law first. During the extension, dollar limits, rates, and funding authorizations would stay at the same levels they had the day before the termination date. The extension would not apply to pilot or demonstration programs that are required by law to end on a specific date. The section would be treated as if it took effect on September 30, 2025.
No new federal flood policies after 2023
This bill would bar entering into any new federal flood insurance contract after September 30, 2023. If enacted, people and lenders seeking new NFIP coverage after that date could not get a new NFIP policy. That rule would be subject to the bill's effective date and any automatic extension mechanics in the same section.
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Sponsors & CoSponsors
Sponsor
Sen. Cassidy, Bill [R-LA]
LA • R
Cosponsors
Sen. Kennedy, John [R-LA]
LA • R
Sponsored 11/10/2025
Roll Call Votes
No roll call votes available for this bill.
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