Mike Ezell (R-MS)
NFIP Retroactive Renewal and Reauthorization Act
A Republican bill with 1 Democratic cosponsor · See the cosponsor
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 is called the NFIP Retroactive Renewal and Reauthorization Act. It was introduced in the House of Representatives by Mr. Ezell and Mr. Carter of Louisiana. The main goal of the bill is to extend the National Flood Insurance Program. It pushes the expiration date of the program out to December 31, 2026. The bill also updates the financing date for the program to match this new extension. Finally, it includes a retroactive effective date so that the changes take effect as if enacted on September 30, 2025, if the bill passes after that date.
Yes· 3 of 11
- Scored +6
Does this improve help for people hit by a disaster?
Extends the National Flood Insurance Program through December 31, 2026, ensuring continued disaster mitigation and relief support.
- Scored +4
Would middle-income households be better off under this?
Provides essential insurance continuity for middle-class families living in flood hazard zones.
- Scored +3
Would households on low incomes be better off under this?
Assists lower-income homeowners and renters in flood-prone areas by maintaining access to federal flood insurance.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
- Section 2 extends the National Flood Insurance Program through December 31, 2026, which continues the program's financing and prevents its expiration. This is a positive outcome because it keeps the flood insurance program running longer for the people who rely on it.
Potential Negative Impacts for People
- Based on the provided text, there are no specific sections or provisions identified that create negative consequences or burdens for individuals or groups of people.
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 middle-income households be better off under this? — Provides essential insurance continuity for middle-class families living in flood hazard zones. Would business owners be better off under this? — Benefits property and business owners in flood zones by preventing program expiration. Would households on low incomes be better off under this? — Assists lower-income homeowners and renters in flood-prone areas by maintaining access to federal flood insurance. Would farmers be better off under this? — Farmers and rural property owners in flood-prone regions benefit from extended insurance availability. Would people in rural areas be better off under this? — Rural residents in flood-prone areas benefit from ongoing federal flood insurance availability. Would people in cities be better off under this? — Urban residents in flood zones benefit from the continued operation of the National Flood Insurance Program.
- Economy And Finance
- Is this likely to grow the economy? — Extending the National Flood Insurance Program provides financial stability for property markets in flood-prone areas. Does this make it easier to run a small business? — Small businesses in flood zones benefit from the continued availability of federally backed flood insurance.
- Environment Energy And Infrastructure
- Does this improve help for people hit by a disaster? — Extends the National Flood Insurance Program through December 31, 2026, ensuring continued disaster mitigation and relief support.
- Social Issues And Justice
- Does this make housing cost less? — Supports housing stability by ensuring homeowners can maintain flood insurance coverage. Is this likely to reduce homelessness? — Helps prevent displacement of homeowners resulting from uninsured flood disasters.
- 10/28/2025
- Referred to the House Committee on Financial Services.
- 1 Cosponsor added.
- Introduced in House
Troy CarterDemocrat · Louisiana