Troy Carter (D-LA)
To extend the National Flood Insurance Program through December 31, 2026.
A Democratic bill with 2 Republican cosponsors · See all 7 cosponsors
Last activity — Referred to the House Committee on Financial Services.
In committee
Introduced and handed to a committee in the chamber it started in.
The committee holds it, and most bills are never heard from again. A hearing or a committee vote would be news; silence is the usual outcome, and it kills the bill without anyone voting against it.
Its path through Congress
- Introduced
- In Committee
What this bill would do
This bill aims to extend the National Flood Insurance Program. It proposes to change the expiration date currently set for September 30, 2023. The new proposed expiration date is December 31, 2026. This change applies to both the financing and the program expiration sections of the National Flood Insurance Act of 1968.
Yes· 3 of 6
- Scored +6
Does this improve help for people hit by a disaster?
The extension ensures the continued availability of flood insurance, which is a key component of disaster mitigation and relief.
- Scored +5
Does this give people more protection from unfair business practices?
The extension provides continued access to flood insurance, which acts as a financial safeguard for homeowners.
- Scored +5
Does this make housing cost less?
Maintaining flood insurance helps protect property values and housing stability in flood-prone areas.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
- Continued Program Availability: By extending the expiration date to December 31, 2026, the bill ensures the National Flood Insurance Program continues beyond its previous deadline (Section 1 and Section 2).
Potential Negative Impacts for People
- No negative impacts are explicitly mentioned in the provided text.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Tap or hover a score for the reason it gave.
- Demographic And Interest Groups
- Would households on low incomes be better off under this? — Continued access to subsidized flood insurance provides a safety net for lower-income homeowners in flood zones. Would middle-income households be better off under this? — The extension helps protect middle-class home equity against flood risks. Would people in rural areas be better off under this? — The extension provides important insurance coverage for rural residents living in flood-prone areas.
- Environment Energy And Infrastructure
- Does this improve help for people hit by a disaster? — The extension ensures the continued availability of flood insurance, which is a key component of disaster mitigation and relief.
- Economy And Finance
- Does this give people more protection from unfair business practices? — The extension provides continued access to flood insurance, which acts as a financial safeguard for homeowners.
- Social Issues And Justice
- Does this make housing cost less? — Maintaining flood insurance helps protect property values and housing stability in flood-prone areas.
- 10/3/2025
- 1 Cosponsor added.
- 4/10/2025
- Referred to the House Committee on Financial Services.
- 6 Cosponsors added.
- Introduced in House
2 bills Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Mike EzellRepublican · Mississippi
Cleo FieldsDemocrat · Louisiana
Julia LetlowRepublican · Louisiana
Jared MoskowitzDemocrat · Florida
LaMonica McIverDemocrat · New Jersey
Shri ThanedarDemocrat · Michigan
Marc VeaseyDemocrat · Texas