Andrew Garbarino (R-NY)
NFIP Extension Act of 2026
A Republican bill with 2 Democratic cosponsors · See all 6 cosponsors
Last activity — Placed on the Union Calendar, Calendar No. 391.
Cleared committee, waiting for its first floor vote
A committee approved it and it is on the calendar of the chamber it started in.
This is further than most bills get, and still no promise of a vote: the calendar is a queue, and the majority leadership decides what is called. A bill can sit here until the Congress ends.
Its path through Congress
- Introduced
- On Calendar
What this bill would do
This bill is called the NFIP Extension Act of 2026. Its purpose is to reauthorize the National Flood Insurance Program. It changes the dates for program financing and expiration from September 30, 2023, to September 30, 2026. The bill also includes a provision to make these changes retroactive to January 30, 2026, if enacted after that date.
Yes· 3 of 8
- Scored +7
Does this improve help for people hit by a disaster?
The bill reauthorizes a key program for flood disaster financial recovery.
- Scored +5
Would farmers be better off under this?
Farmers with land in flood-prone areas benefit from continued program availability.
- Scored +5
Would people in rural areas be better off under this?
Rural residents in flood plains are heavily dependent on NFIP for property protection.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
- Extension of Program Availability: By amending Section 1309(a) and Section 1319 to extend the dates to September 30, 2026, the bill ensures the National Flood Insurance Program continues to operate.
Potential Negative Impacts for People
- No negative impacts for individuals or groups 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 farmers be better off under this? — Farmers with land in flood-prone areas benefit from continued program availability. Would people in rural areas be better off under this? — Rural residents in flood plains are heavily dependent on NFIP for property protection. Would business owners be better off under this? — Business owners in flood zones can continue to secure necessary insurance. Would high-income households be better off under this? — Protects high-value real estate assets in flood-prone areas. Would households on low incomes be better off under this? — Low-income households in flood zones rely more heavily on NFIP for protection against catastrophic loss. Would middle-income households be better off under this? — Ensures continued availability of flood insurance for middle-class homeowners.
- Environment Energy And Infrastructure
- Does this improve help for people hit by a disaster? — The bill reauthorizes a key program for flood disaster financial recovery.
- Social Issues And Justice
- Does this make housing cost less? — Extending flood insurance helps maintain the viability and security of housing in flood-prone areas.
- 1/15/2026
- Reported (Amended) by the Committee on Financial Services. H. Rept. 119-456.
- Placed on the Union Calendar, Calendar No. 391.
- 12/17/2025
- Committee Consideration and Mark-up Session Held
- Ordered to be Reported (Amended) by the Yeas and Nays: 53 - 0.
- 12/16/2025
- Committee Consideration and Mark-up Session Held
- 12/15/2025
- 1 Cosponsor added.
- 11/10/2025
- 1 Cosponsor added.
- 10/3/2025
- 2 Cosponsors added.
- 9/30/2025
- 2 Cosponsors added.
- 9/26/2025
- Referred to the House Committee on Financial Services.
- Introduced in House
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Earl CarterRepublican · Georgia
Josh GottheimerDemocrat · New Jersey
Nick LaLotaRepublican · New York
Michael LawlerRepublican · New York
Jared MoskowitzDemocrat · Florida
Jefferson Van DrewRepublican · New Jersey