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119-s-2946119th CongressWALLET

NFIP Extension Act

Sponsored By: Senator Kennedy, John [R-LA]

Introduced

Summary

This bill would extend the National Flood Insurance Program's financing authority and program expiration to November 21, 2025. It also sets a retroactive effective date so the extension applies as if enacted on September 30, 2025 when needed.

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  • Families and property owners: Would keep NFIP authority in place through November 21, 2025, maintaining the program's legal ability to operate during that period.
  • FEMA and program managers: Would extend the NFIP financing deadline to November 21, 2025, preserving the program's borrowing authority for that time.
  • Timing for amendments: If enacted after September 30, 2025, the bill makes the changes effective retroactively to that date so amendments are covered.

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Bill Overview

Analyzed Economic Effects

1 provisions identified: 1 benefits, 0 costs, 0 mixed.

Keep federal flood insurance through 2025

If enacted, this bill would extend the National Flood Insurance Program's borrowing and program authority through November 21, 2025. This would keep federally backed flood insurance available for homeowners, renters, and properties that must carry it. If signed after September 30, 2025, the date changes would be treated as effective September 30, 2025. The bill does not add new funding or change who is eligible for insurance.

Sponsors & CoSponsors

Sponsor

Kennedy, John [R-LA]

LA • R

Cosponsors

  • Sen. Cassidy, Bill [R-LA]

    LA • R

    Sponsored 9/30/2025

Roll Call Votes

No roll call votes available for this bill.

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