Union Calendar No. 391

119th CONGRESS
2d Session
H. R. 5577

[Report No. 119–456]


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

January 15, 2026

Additional sponsors: Mr. Carter of Georgia, Mr. Van Drew, Mr. Lawler, Mr. Moskowitz, Mr. LaLota, and Mr. Gottheimer

January 15, 2026

Reported with an amendment, committed to the Committee of the Whole House on the State of the Union, and ordered to be printed

[Strike out all after the enacting clause and insert the part printed in italic]

[For text of introduced bill, see copy of bill as introduced on September 26, 2025]

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.—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 January 30, 2026, the amendments made by subsections (a) and (b) shall take effect as if enacted on January 30, 2026.

Union Calendar No. 391
119th CONGRESS
     2d Session
H. R. 5577
[Report No. 119–456]
A BILL
To amend the National Flood Insurance Act of 1968 to reauthorize the National Flood Insurance Program.
January 15, 2026
Reported with an amendment, committed to the Committee of the Whole House on the State of the Union, and ordered to be printed