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NFIP Retroactive Renewal and Reauthorization Act
To extend the National Flood Insurance Program through December 31, 2026.
Summary
This bill extends the National Flood Insurance Program through December 31, 2026, moving the program expiration date from September 30, 2023. The bill extends both the program's financing authority and the program itself to the new date. If enacted after September 30, 2025, the changes take effect retroactively as if enacted on September 30, 2025, providing coverage from that date through December 31, 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)
- Rep. Ezell, Mike [R-MS-4] (R-MS)
1 cosponsor
Actions (2)
- Oct 28, 2025 Referred to the House Committee on Financial Services. · house
- Oct 28, 2025 Introduced in House
Similar bills (6)
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Text versions (1)
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Full text
IN THE HOUSE OF REPRESENTATIVES
October 28, 2025
Mr. Ezell (for himself and Mr. Carter of Louisiana) introduced the following bill; which was referred to the Committee on Financial Services
A BILL
To extend the National Flood Insurance Program through December 31, 2026.
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 Retroactive Renewal and Reauthorization Act”.
SEC. 2. EXTENSION OF 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, in the first sentence, by striking “September 30, 2023” and inserting “December 31, 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 “December 31, 2026”.
(c) Retroactive Effective Date.—If this Act is enacted after September 30, 2025, the amendments made by subsections (a) and (b) shall take effect as if enacted on September 30, 2025. <all>
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