National Flood Insurance Program Automatic Extension Act of 2025
Sponsored By: Representative Carter, Troy A. [D-LA-2]
Introduced
Summary
This bill would create an automatic contingent extension for the National Flood Insurance Program. It would preserve the program's authorities, funding levels, and limits as they existed the day before a scheduled termination and would take effect as if enacted on September 30, 2025.
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- Families and policyholders: Keeps existing flood insurance contracts in force, lets coverage continue, and ensures claims can be paid during the automatic extension.
- Insurers and policy servicers: Allows participating insurers to enter into, issue, renew, and service policies and to carry out related administrative functions while the extension is in place.
- Federal NFIP operations: Keeps the same dollar amounts, rates, terms, and limits that applied the day before the termination date, including limits on notes and any appropriations that would otherwise expire.
- Legal limits and sunsets: Does not extend pilot programs or other items written to end on specific calendar dates, and cannot alter contract rights that existed before enactment.
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Bill Overview
Analyzed Economic Effects
2 provisions identified: 1 benefits, 1 costs, 0 mixed.
Keep federal flood insurance active
If enacted, this bill would automatically extend key National Flood Insurance Program authorities when the program would otherwise expire. It would let the program continue renewals and existing coverage, pay claims, and service policies until the last day of the fiscal year after the program's terminal year unless Congress acts sooner. Date‑tied limits (including any limits on borrowing) and authorizations of appropriations that would expire would stay at the same dollar amounts and terms in effect the day before the termination date. The extension would not keep pilot programs or committees that are required by statute to end, and it would not change flood insurance contracts already in effect; the section is written to take effect as if enacted on September 30, 2025.
No new federal flood policies
If enacted, the bill would bar entering into any new federal flood insurance contract under the NFIP after September 30, 2023. That prohibition is written with an effective date as if enacted on September 30, 2025, so it would prevent new NFIP enrollments after the 2023 date unless another law changes that before the program's termination date.
Sponsors & CoSponsors
Sponsor
Carter, Troy A. [D-LA-2]
LA • D
Cosponsors
Rep. Ezell, Mike [R-MS-4]
MS • R
Sponsored 12/10/2025
Rep. Letlow, Julia [R-LA-5]
LA • R
Sponsored 12/10/2025
Rep. Higgins, Clay [R-LA-3]
LA • R
Sponsored 12/10/2025
Fletcher
TX • D
Sponsored 12/10/2025
Rep. Fields, Cleo [D-LA-6]
LA • D
Sponsored 12/10/2025
Roll Call Votes
No roll call votes available for this bill.
View on Congress.gov