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H. R. 5577 To amend the National Flood Insurance Act of 1968 to reauthorize the National Flood Insurance Program.
Summary
The bill extends the authorization and financing of the National Flood Insurance Program for an additional three years, through September 30, 2026. The bill amends the National Flood Insurance Act of 1968 to extend both the program's financing authorization and its expiration date. If enacted after January 30, 2026, the amendments take effect retroactively as if enacted on January 30, 2026.
AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.
Sponsor (1)
6 cosponsors
Actions (7)
- Jan 15, 2026 Placed on the Union Calendar, Calendar No. 391. · house
- Jan 15, 2026 Reported (Amended) by the Committee on Financial Services. H. Rept. 119-456. · house
- Dec 17, 2025 Ordered to be Reported (Amended) by the Yeas and Nays: 53 - 0. · house
- Dec 17, 2025 Committee Consideration and Mark-up Session Held · house
- Dec 16, 2025 Committee Consideration and Mark-up Session Held · house
- Sep 26, 2025 Referred to the House Committee on Financial Services. · house
- Sep 26, 2025 Introduced in House
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Text versions (2)
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Full text
IN THE HOUSE OF REPRESENTATIVES
September 26, 2025
Mr. Garbarino introduced the following bill; which was referred to the Committee on Financial Services
January 15, 2026
Additional sponsors: Mr. Carter of Georgia, Mr. Van Drew, Mr. Lawler, Mr. Moskowitz, Mr. LaLota, and Mr. Gottheimer
January 15, 2026
Reported with an amendment, committed to the Committee of the Whole House on the State of the Union, and ordered to be printed [Strike out all after the enacting clause and insert the part printed in italic] [For text of introduced bill, see copy of bill as introduced on September 26, 2025]
A BILL
To amend the National Flood Insurance Act of 1968 to reauthorize the National Flood Insurance Program.
Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the “NFIP Extension Act of 2026”.
SEC. 2. EXTENSION OF THE NATIONAL FLOOD INSURANCE PROGRAM.
(a) Financing.—Section 1309(a) of the National Flood Insurance Act of 1968 (42 U.S.C. 4016(a)) is amended by striking “September 30, 2023” and inserting “September 30, 2026”.
(b) Program Expiration.—Section 1319 of the National Flood Insurance Act of 1968 (42 U.S.C. 4026) is amended by striking “September 30, 2023” and inserting “September 30, 2026”.
(c) Retroactive Effective Date.—If this Act is enacted after January 30, 2026, the amendments made by subsections (a) and (b) shall take effect as if enacted on January 30, 2026. Union Calendar No. 391
119th CONGRESS
2d Session
H. R. 5577
[Report No. 119-456]
A BILL
To amend the National Flood Insurance Act of 1968 to reauthorize the National Flood Insurance Program.
January 15, 2026
Reported with an amendment, committed to the Committee of the Whole House on the State of the Union, and ordered to be printed
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