NFIP Extension Act

This bill extends the National Flood Insurance Program (NFIP) through September 30, 2026, by updating its funding and expiration dates in existing law. It directly affects homeowners, renters, and businesses in flood-prone areas who rely on NFIP insurance policies. The key provision amends two sections of the National Flood Insurance Act to push back the program’s funding deadline from 2023 to 2026, preventing an automatic shutdown. A retroactive clause ensures the extension applies as if effective from September 2025 if the bill passes after that date. The bill makes no changes to how the program operates, only to its timeline.