# 119-s-3151: National Flood Insurance Program Automatic Extension Act of 2025

119-s-3151, National Flood Insurance Program Automatic Extension Act of 2025, is a 119th Congress bill sponsored by Sen. Cassidy, Bill [R-LA] (R-LA); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-s-3151
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-3151
- Congress: 119
- Title: National Flood Insurance Program Automatic Extension Act of 2025
- Status: introduced
- Introduced: 2025-11-06
- Sponsor: Sen. Cassidy, Bill [R-LA] (R-LA)
- Cosponsors: 1
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-04-21

## 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. - 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.

## Cosponsors (1)

- Sen. Kennedy, John [R-LA] (R-LA), 2025-11-10T00:00:00.000Z

## Provisions PRIA read

- Automatic flood insurance extension for policyholders: benefit, medium. 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 li…
- No new federal flood policies after 2023: cost, medium. 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 mechanic…

## Related bills

- 119-s-4744: Take Care of America’s Veterans Act
- 119-s-2120: Older Americans Act Reauthorization Act of 2025
- 119-s-1748: Kids Online Safety Act
- 119-s-292: Educational Choice for Children Act of 2025
- 119-s-93: Harmful Algal Bloom and Hypoxia Research and Control Amendments Act of 2025
- 119-s-3257: John A. Hauser Mental Health in Aviation Act

## Sources
- [119-s-3151 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/3151)

## Related
- [119-s-4744: Take Care of America’s Veterans Act](https://policyrisk.com/legislation/119-s-4744)
- [119-s-2120: Older Americans Act Reauthorization Act of 2025](https://policyrisk.com/legislation/119-s-2120)
- [119-s-1748: Kids Online Safety Act](https://policyrisk.com/legislation/119-s-1748)
- [119-s-292: Educational Choice for Children Act of 2025](https://policyrisk.com/legislation/119-s-292)
- [119-s-93: Harmful Algal Bloom and Hypoxia Research and Control Amendments Act of 2025](https://policyrisk.com/legislation/119-s-93)
- [119-s-3257: John A. Hauser Mental Health in Aviation Act](https://policyrisk.com/legislation/119-s-3257)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-3151 (as of 2026-04-21).