National Flood Insurance Program Reauthorization and Reform Act of 2025

House Bill

H.R. 5484

119th Congress

National Flood Insurance Program Reauthorization and Reform Act of 2025

In Committee

Introduced:Sep 19, 2025

Primary Sponsor

Sponsor information unavailable

Cosponsors

0

Quick Stats

Summary

This bill would renew and make changes to the National Flood Insurance Program, which provides flood insurance to homeowners, renters, and businesses in participating communities. The program is run by the federal government and requires periodic reauthorization by Congress to continue operating.

Latest Action

Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.

Introduced9/19/2025

StatusReferred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.

ChamberHouse

Data from Congress.gov

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Vote Prediction

National Flood Insurance Program Reauthorization and Reform Act of 2025

This bill would renew and make changes to the National Flood Insurance Program, which provides flood insurance to homeowners, renters, and businesses in participating communities. The program is run by the federal government and requires periodic reauthorizati

Community Breakdown

Pass

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Fail

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This bill would renew and make changes to the National Flood Insurance Program, which provides flood insurance to homeowners, renters, and businesses in participating communities. The program is run by the federal government and requires periodic reauthorization by Congress to continue operating.

Bill Number: 5484
Introduced: 9/19/2025
Status: Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.

Data from Congress.gov

AI-generated summary

Fact Sheet

Title: National Flood Insurance Program Reauthorization and Reform Act of 2025
Bill Number: 5484
Sponsor: No sponsor
Status: Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.
Introduced: 9/19/2025
Summary: This bill would renew and make changes to the National Flood Insurance Program, which provides flood insurance to homeowners, renters, and businesses in participating communities. The program is run by the federal government and requires periodic reauthorization by Congress to continue operating.

Data from Congress.gov

AI Summary

Plain-English explanation of this bill

This bill would renew and make changes to the National Flood Insurance Program, which provides flood insurance to homeowners, renters, and businesses in participating communities. The program is run by the federal government and requires periodic reauthorization by Congress to continue operating.

Last updated: 2/26/2026

Key Points

Main provisions of the bill

The bill would extend the authorization for the National Flood Insurance Program beyond its current expiration date.
It would implement reforms to how the flood insurance program operates, though specific changes are not detailed in the available information.
The National Flood Insurance Program currently provides coverage to millions of property owners in flood-prone areas across the United States.
Without reauthorization, the program would lose its authority to issue new policies or renew existing ones.

How This Impacts Americans

Potential effects on citizens and communities

This bill affects homeowners, renters, and businesses in flood-prone areas who rely on the National Flood Insurance Program for coverage that is often unavailable or unaffordable through private insurers. It also impacts communities that participate in the program by meeting federal floodplain management standards. The reforms included in the bill could change how much people pay for flood insurance and what requirements they must meet to receive coverage.

Policy Areas

No policy areas assigned yet.

Scope & Jurisdiction

Jurisdiction Level

federal

Congressional Session

119th Congress

Citation Reference

5484, 119th Congress (2025). "National Flood Insurance Program Reauthorization and Reform Act of 2025". Source: Voter's Right Platform. https://votersright.org/bills/119-hr-5484

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