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H.R. 5577119th CongressPlaced on the calendarLatest action Jan 15, 2026Decoded by AI · checked against the record
The plain-language version leads. The official text is always the reference.
HR 5577 extends the National Flood Insurance Program through Sept. 30, 2026, affecting roughly five million current policyholders.
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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.
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.
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.
AI-drafted summary. Verify it against the official text before you act on it. Read the official bill on Congress.gov
Right now: it was placed on the House floor calendar, 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.