NFIP Extension Act of 2026

The NFIP Extension Act of 2026 extends the National Flood Insurance Program (NFIP) through September 30, 2026, by updating two key deadlines in the law: the funding authorization (Section 1309(a)) and the program's expiration date (Section 1319). This directly affects homeowners, renters, and businesses in flood-prone areas who rely on NFIP policies for coverage. The bill changes the existing 2023 expiration dates to 2026, preventing program shutdown and ensuring continued access to federally backed flood insurance. If passed after September 30, 2025, the changes apply retroactively as if enacted on that date.