H.R. 5577Heading to a voteJobs & the economy
Federal flood insurance program would run through September 2026 under House bill
Data as of July 11, 2026
HR 5577 extends the National Flood Insurance Program through Sept. 30, 2026, affecting roughly five million current policyholders.45-second read · 4 questions answered below
Decoded
What does this do?
HR 5577 would extend authorization for the National Flood Insurance Program through September 30, 2026. The bill makes no changes to how the program works, what it costs, or what it covers. If enacted after the September 30, 2025 deadline, it would be treated as if signed on time, eliminating any gap in the program's legal authority.
Who does it affect?
The roughly five million people who currently hold NFIP policies are most directly affected, particularly those in flood-prone coastal, riverine, and low-lying areas. Mortgage lenders, home buyers, and communities in high-risk flood zones also have a stake in whether the program remains active.
Why does it matter?
Without reauthorization, the program could lapse, meaning no new policies could be issued. A lapse could delay or block real estate closings that require flood insurance as a condition of the mortgage.
Where does it stand?
- Introduced
- House committee
- House vote — You are here
- Senate
- President's desk
Right now: it's headed for a House floor vote. If the Senate changes it, it goes back to the House before reaching the President.
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Official title
NFIP Extension Act of 2026
- Introduced:
- September 26, 2025
- Latest action:
- January 15, 2026
Placed on the Union Calendar, Calendar No. 391.
Read the official bill on Congress.govMake the call
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