NFIP Extension Act of 2026

H.R. 5577 would extend the National Flood Insurance Program (NFIP) authorization to continue issuing and renewing flood insurance policies and borrowing from the Treasury through September 30, 2026. Without this extension, the program's current authorization would expire on January 30, 2026, potentially disrupting flood insurance coverage for millions of property owners. The bill has been approved by the House Financial Services Committee and is eligible for a floor vote.

Flood insurance is particularly important for homeowners in high-risk areas, as many mortgage lenders require it as a condition of financing. During recent government funding lapses, temporary NFIP shutdowns have frozen policy renewals and delayed home closings, creating hardship for families and communities. If enacted, this bill would help ensure continuity of flood insurance protection through the end of fiscal year 2026, providing stability for homeowners and communities vulnerable to flooding.