119th CONGRESS
1st Session
H. R. 5577


To amend the National Flood Insurance Act of 1968 to reauthorize the National Flood Insurance Program.


IN THE HOUSE OF REPRESENTATIVES

September 26, 2025

Mr. Garbarino introduced the following bill; which was referred to the Committee on Financial Services


A BILL

To amend the National Flood Insurance Act of 1968 to reauthorize the National Flood Insurance Program.

Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,

SECTION 1. Short title.

This Act may be cited as the “NFIP Extension Act of 2026”.

SEC. 2. Extension of the National Flood Insurance Program.

(a) Financing.—Section 1309(a) of the National Flood Insurance Act of 1968 (42 U.S.C. 4016(a)) is amended by striking “September 30, 2023” and inserting “September 30, 2026”.

(b) Program expiration.—Program expiration.—Section 1319 of the National Flood Insurance Act of 1968 (42 U.S.C. 4026) is amended by striking “September 30, 2023” and inserting “September 30, 2026”.

(c) Retroactive effective date.—If this Act is enacted after September 30, 2025, the amendments made by subsections (a) and (b) shall take effect as if enacted on September 30, 2025.