# 119-hr-6560: National Flood Insurance Program Automatic Extension Act of 2025

119-hr-6560, National Flood Insurance Program Automatic Extension Act of 2025, is a 119th Congress bill sponsored by Rep. Carter, Troy A. [D-LA-2] (D-LA); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-6560
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-6560
- Congress: 119
- Title: National Flood Insurance Program Automatic Extension Act of 2025
- Status: introduced
- Introduced: 2025-12-10
- Sponsor: Rep. Carter, Troy A. [D-LA-2] (D-LA)
- Cosponsors: 5
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-04-21

## 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. - 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.

## Cosponsors (5)

- Rep. Ezell, Mike [R-MS-4] (R-MS), 2025-12-10T00:00:00.000Z
- Rep. Letlow, Julia [R-LA-5] (R-LA), 2025-12-10T00:00:00.000Z
- Rep. Higgins, Clay [R-LA-3] (R-LA), 2025-12-10T00:00:00.000Z
- Rep. Fletcher, Lizzie [D-TX-7] (D-TX), 2025-12-10T00:00:00.000Z
- Rep. Fields, Cleo [D-LA-6] (D-LA), 2025-12-10T00:00:00.000Z

## Provisions PRIA read

- Protect current flood insurance coverage: benefit, medium. 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. Fu…
- Ban on new federal flood policies: cost, medium. 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 specif…

## Related bills

- 119-hr-9877: Health Equity and Accountability Act of 2026
- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-4275: Coast Guard Authorization Act of 2025
- 119-hr-1262: Mikaela Naylon Give Kids a Chance Act
- 119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage Act
- 119-hr-2102: Major Richard Star Act

## Sources
- [119-hr-6560 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/6560)

## Related
- [119-hr-9877: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-hr-9877)
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-4275: Coast Guard Authorization Act of 2025](https://policyrisk.com/legislation/119-hr-4275)
- [119-hr-1262: Mikaela Naylon Give Kids a Chance Act](https://policyrisk.com/legislation/119-hr-1262)
- [119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage A…](https://policyrisk.com/legislation/119-hr-842)
- [119-hr-2102: Major Richard Star Act](https://policyrisk.com/legislation/119-hr-2102)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-6560 (as of 2026-04-21).