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S. 2931119th CongressIn committeeLatest action Sep 29, 2025Decoded by AI · checked against the record
The plain-language version leads. The official text is always the reference.
S 2931 extends the National Flood Insurance Program through Sept. 30, 2026, protecting roughly 5 million policyholders from a coverage gap.
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S 2931 extends the National Flood Insurance Program through September 30, 2026, preventing it from expiring and shutting down. The bill does not change how the program works, adjust premiums, or address the program's long-term debt. A backstop provision ensures that if the bill passes after September 30, 2025, it is still treated as having passed on that date, closing any potential gap in coverage.
The NFIP covers roughly 5 million policyholders nationwide, with the heaviest concentration in flood-prone states such as Florida, Texas, and Louisiana. Many of those policyholders are required by their mortgage lenders to carry flood insurance.
Without this extension, the NFIP would expire, leaving policyholders without coverage and potentially putting home loans at risk, particularly during hurricane and storm season. The bill is a short-term measure that keeps the program running while larger policy questions, including the program's long-term debt, remain unresolved in Congress.
AI-drafted summary. Verify it against the official text before you act on it. Read the official bill on Congress.gov
Right now: a Senate committee is reviewing it. If the House changes it, it goes back to the Senate before reaching the President.
Latest action: — Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.