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National Flood Insurance Program Automatic Extension Act of 2025
To amend the National Flood Insurance Act of 1968 to provide for the automatic contingent extension of the National Flood Insurance Program, and for other purposes.
Summary
This bill would amend the National Flood Insurance Program to provide for automatic extension if Congress has not passed a law to extend or repeal it by the termination date. Under current law, no new flood insurance contracts can be entered after September 30, 2023. The bill would automatically extend the program's authorities to continue issuing and renewing policies, paying claims, and operating the program until the last day of the fiscal year following the terminal year, unless Congress acts. During any automatic extension, the program would operate under the same financial limits, rates, terms, and funding levels that were in effect just before the termination date. The provision would take effect retroactively as if enacted on September 30, 2025.
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)
5 cosponsors
- Rep. Ezell, Mike [R-MS-4] (R-MS)
- Rep. Fields, Cleo [D-LA-6] (D-LA)
- Rep. Fletcher, Lizzie [D-TX-7] (D-TX)
- Rep. Higgins, Clay [R-LA-3] (R-LA)
- Rep. Letlow, Julia [R-LA-5] (R-LA)
Money behind the sponsor
Top reported contributors to Troy A. Carter’s campaign committee (2024 cycle) — who funds the bill’s sponsor, not a claim about this bill. Data from FEC.
- NULL $30,950
- OCHSNER HEALTH $19,350
- RIVER BIRCH, LLC $13,200
- AKD LAW $10,800
- CENTRAL MANAGEMENT $10,000
Organizations whose employees gave the most — itemized individual contributions grouped by the donor’s reported employer (FEC Schedule A). Full finance for Troy A. Carter → · Outside spending →
Actions (2)
- Dec 10, 2025 Referred to the House Committee on Financial Services. · house
- Dec 10, 2025 Introduced in House
Similar bills (6)
Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.
Full text
IN THE HOUSE OF REPRESENTATIVES
December 10, 2025
Mr. Carter of Louisiana (for himself, Mr. Ezell, Ms. Letlow, Mr. Higgins of Louisiana, Mrs. Fletcher, and Mr. Fields) introduced the following bill; which was referred to the Committee on Financial Services
A BILL
To amend the National Flood Insurance Act of 1968 to provide for the automatic contingent extension of the National Flood Insurance Program, and for other purposes.
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 “National Flood Insurance Program Automatic Extension Act of 2025”.
SEC. 2. CONTINGENT EXTENSION OF THE NATIONAL FLOOD INSURANCE PROGRAM.
Section 1319 of the National Flood Insurance Act of 1968 (42 U.S.C. 4026) is amended to read as follows:
“SEC. 1319. PROGRAM EXPIRATION AND CONTINGENT EXTENSION.
“(a) Definitions.—In this section:
“(1) Terminal fiscal year.—The term ‘terminal fiscal year’ means the fiscal year in which the termination date occurs.
“(2) Termination date.—The term ‘termination date’ means the later of—
“(A) the date described in subsection (b); or
“(B) the date that is deemed to apply in lieu of the date described in subsection (b) by the operation of any other Act.
“(b) Expiration.—No new contract for flood insurance under this title shall be entered into after September 30, 2023.
“(c) Automatic Extension.—
“(1) In general.—The authorities described in paragraph
(2) shall be automatically extended until the last day of the fiscal year following the terminal fiscal year, unless, before the termination date, a duly enacted law of the United States extends or repeals such an authority.
“(2) Authorities described.—The authorities described in this paragraph are authorities under this title for the Administrator to do the following:
“(A) Enter into, issue, or renew contracts for flood insurance.
“(B) Continue in force existing flood insurance coverage.
“(C) Pay claims, service policies (including through participating insurers), and carry out related administrative and operational functions.
“(D) Otherwise operate the National Flood Insurance Program.
“(d) Terms and Limitations During Extension.—
“(1) In general.—Any limitation on the authority of the Administrator under this title that is tied to a specific calendar date, including any limitation on the aggregate amount of notes or other obligations that may be issued under section 1309, shall, during a period of automatic extension under subsection (c), apply at the same dollar amounts, rates, terms, and conditions that were in effect, as of the day before the termination date.
“(2) Funding availability.—Any authorization of appropriations or other funding availability under this title that would otherwise expire on the termination date shall, during a period of automatic extension under subsection (c), be available at the same level and under the same terms and conditions that were in effect, as of the day before the termination date.
“(e) Explicit Statutory Sunsets Not Extended.—Subsection (c) may not be construed to extend to any pilot program, demonstration program, study, task force, commission, council, or committee under this title that is expressly required by statute to terminate on a specific calendar date, notwithstanding any other provision of law.
“(f) Rule of Construction.—Nothing in this section may be construed to impair any flood insurance contract lawfully in effect, as of the day before the date of enactment of this section, or the obligation of the United States with respect to any such contract.
“(g) Retroactive Effective Date.—This section shall take effect as if enacted on September 30, 2025.”. <all>
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