A Republican bill with 1 Republican cosponsor · See the cosponsor
Last activity — Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
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, known as the NFIP Extension Act, aims to reauthorize the National Flood Insurance Program. It specifically amends the National Flood Insurance Act of 1968 regarding financing and program expiration. The legislation moves the current expiration date from September 30, 2023, to September 30, 2026. It also includes a provision for a retroactive effective date.
Yes· 3 of 9
- Scored +5
Does this improve help for people hit by a disaster?
The bill reauthorizes the National Flood Insurance Program, which is a key component of disaster preparedness and recovery through FEMA.
- Scored +3
Would people in rural areas be better off under this?
The extension of the NFIP provides essential financial protections for rural communities prone to flooding.
- Scored +3
Does this make the government pay for what it commits to?
The bill ensures the continued financing and legal continuity of the National Flood Insurance Program through 2026.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Continued Program Financing: By amending Section 1309(a) of the National Flood Insurance Act of 1968 to extend the date to September 30, 2026, the bill ensures continued financing for the program.
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Program Continuity: Under Section 1319 of the National Flood Insurance Act of 1968, the bill extends the program expiration date to September 30, 2026, which prevents the program from expiring under the previous timeline.
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Protection Against Lapse: Section 2(c) provides a retroactive effective date if the Act is enacted after September 30, 2025, ensuring the amendments take effect as if they were enacted on September 30, 2025.
Potential Negative Impacts for People
- No specific negative impacts are identified within 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 people in rural areas be better off under this? — The extension of the NFIP provides essential financial protections for rural communities prone to flooding. Would Black Americans be better off under this? — The program extension provides financial security for African American homeowners against flood damage. Would Hispanic Americans be better off under this? — Continued flood insurance access helps protect the assets of Hispanic Americans living in flood-prone regions. Would households on low incomes be better off under this? — Maintaining the flood insurance program provides essential financial protection for low-income households in high-risk areas. Would middle-income households be better off under this? — The extension provides continuity for flood insurance coverage for middle-income homeowners. Would white Americans be better off under this? — The reauthorization ensures the continuity of flood insurance for white Americans in vulnerable areas.
- Environment Energy And Infrastructure
- Does this improve help for people hit by a disaster? — The bill reauthorizes the National Flood Insurance Program, which is a key component of disaster preparedness and recovery through FEMA.
- Economy And Finance
- Does this make the government pay for what it commits to? — The bill ensures the continued financing and legal continuity of the National Flood Insurance Program through 2026.
- Social Issues And Justice
- Does this make housing cost less? — The bill maintains the availability of flood insurance, which is critical for housing stability in flood-prone areas.
- 9/29/2025
- Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- 1 Cosponsor added.
- Introduced in Senate
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.
Bill CassidyRepublican · Louisiana