NFIP Extension Act

Senate Bill

S. 2931

119th Congress

NFIP Extension Act

In Committee

Introduced:Sep 29, 2025

Primary Sponsor

John Kennedy

R - LA

Cosponsors

1

Quick Stats

Policy Area

Finance and Financial Sector

Summary

This bill reauthorizes the National Flood Insurance Program (NFIP) through September 30, 2026, extending both the program's financing authority and operational expiration date. The bill includes a retroactive effective date provision if enacted after September 30, 2025, ensuring continuous program authorization.

Latest Action

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

AI Summary

Plain-English explanation of this bill

This bill reauthorizes the National Flood Insurance Program (NFIP) through September 30, 2026, extending both the program's financing authority and operational expiration date. The bill includes a retroactive effective date provision if enacted after September 30, 2025, ensuring continuous program authorization.

Last updated: 12/29/2025

Key Points

Main provisions of the bill

Extends NFIP financing authority from September 30, 2023 to September 30, 2026
Extends NFIP program expiration date from September 30, 2023 to September 30, 2026
Includes retroactive effective date provision if enacted after September 30, 2025
Introduced by Senators Kennedy and Cassidy, both from Louisiana
Referred to Committee on Banking, Housing, and Urban Affairs

How This Impacts Americans

Potential effects on citizens and communities

This legislation affects the millions of homeowners, renters, and businesses who rely on the National Flood Insurance Program for coverage. Communities in flood-prone areas, particularly along coastlines and rivers, depend on NFIP authorization for affordable flood insurance. The bill ensures continued access to federally-backed flood insurance and maintains mortgage lending requirements in flood zones.

Policy Areas

Primary Policy Area

Finance and Financial Sector

Scope & Jurisdiction

Jurisdiction Level

federal

Congressional Session

119th Congress

Citation Reference

2931, 119th Congress (2025). "NFIP Extension Act". Source: Voter's Right Platform. https://votersright.org/bills/119-s-2931