Bipartisan Bill Proposes Automatic Extension for National Flood Insurance Program

Bipartisan legislation introduced in the U.S. House aims to automatically extend the National Flood Insurance Program (NFIP) to prevent coverage lapses if Congress fails to reauthorize it in time. The National Flood Insurance Program Automatic Extension Act of 2025 would allow the NFIP to continue issuing and renewing policies, servicing claims, and performing administrative functions through the fiscal year following the last authorized period. This legislative effort addresses the recurring issue of NFIP short-term extensions and lapses that impact policyholders and underscores the importance of stable federal flood insurance coverage amid persistent flood risks across most U.S. counties. The proposal has bipartisan support and endorsements from multiple industry and advocacy organizations.