Federal flood insurance program would run through September 2026 under House bill
Placed on the calendarH.R. 5577Latest action
Sponsor: Andrew R. Garbarino · Representative · NY
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Official title: NFIP Extension Act of 2026
119th Congress
Topics: Jobs & the economy
Introduced:
Read the official bill on Congress.govIn plain words
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HR 5577 extends the National Flood Insurance Program through Sept. 30, 2026, affecting roughly five million current policyholders.
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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 , 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.
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Where does it stand?
- IntroducedSep 26, 2025
- House committee
- House voteYou are here · Jan 15, 2026
- Senate
- The president's desk
Right now: it was placed on the , and the official record shows no floor action on it since. If the Senate changes it, it goes back to the House before reaching the president.
Latest action: — Placed on the Union Calendar, Calendar No. 391.