HR 5574: National Flood Insurance Program Extension Act

Overview

Bill Number: HR 5574

Title: To extend the National Flood Insurance Program through November 21, 2025.

Status: Introduced in House

Introduced: September 26, 2025

Purpose and Intent

The primary purpose of this bill is to extend the authorization of the National Flood Insurance Program (NFIP) for an additional 4 years, from its current expiration date of September 30, 2025 to November 21, 2025. The NFIP is a critical federal program that provides affordable flood insurance coverage to homeowners, renters, and businesses in flood-prone areas across the United States. This extension would ensure the continued availability and affordability of flood insurance for millions of Americans.

Key Provisions

• Extends the authorization of the NFIP from September 30, 2025 to November 21, 2025, a period of 4 additional months.
• Maintains the current structure, policies, and operations of the NFIP during the extension period.
• Allows the Federal Emergency Management Agency (FEMA), which administers the NFIP, to continue issuing new flood insurance policies and renewing existing ones.
• Authorizes the appropriation of necessary funds to support the NFIP's operations and claims payments during the extension period.

Affected Parties and Impacts

This bill would directly impact:
- Homeowners, renters, and businesses located in flood-prone areas who rely on the NFIP for affordable flood insurance coverage.
- Real estate and mortgage industries that require flood insurance for properties in designated flood zones.
- State and local governments that coordinate with the NFIP on floodplain management and mitigation efforts.
- The Federal Emergency Management Agency (FEMA), which administers the NFIP.

The extension would ensure the continued availability of flood insurance and prevent disruptions to the real estate market and local economies in flood-prone regions.

Procedural and Timeline Considerations

This bill was introduced in the House of Representatives on September 26, 2025. It is currently in the early stages of the legislative process, having been referred to the House Financial Services Committee for consideration. If passed by the House and Senate, and signed into law by the President, the bill would extend the NFIP's authorization from September 30, 2025 to November 21, 2025, providing a short-term extension to allow for further legislative action on the program's long-term future.