Flood insurance would automatically extend, preventing coverage gaps for homeowners and businesses.
Homeowners and businesses in flood-prone areas would continue to have access to flood insurance policies. Existing claims would still be paid, avoiding a lapse in coverage. This change would take effect as if it were signed into law on September 30, 2025.
Today, the National Flood Insurance Program (NFIP) has technically expired, as its authority to issue new policies ended on September 30, 2023. This bill, introduced in November 2025, would create an automatic extension mechanism, effective retroactively to September 30, 2025. This would allow the NFIP to continue operating, issuing new policies, renewing existing ones, and paying claims for at least one full government's budget year after any termination date, unless Congress passes a new law.
S 3151 · 119th Congress · November 6, 2025 · AI Summary by gemini-2.5-flash · 10/10
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