To extend the National Flood Insurance Program through December 31, 2026.

# HR 2822: National Flood Insurance Program Extension **What the Bill Does** HR 2822 would extend the National Flood Insurance Program (NFIP) for an additional two years, keeping it operational through December 31, 2026. The NFIP is a federal program that provides flood insurance to property owners, renters, and businesses in communities that participate in the program. Without this extension, the program would expire before that date, potentially leaving millions of policyholders without federally-backed flood coverage. **Who It Affects** This bill primarily affects the roughly 5 million Americans who hold flood insurance policies through the NFIP, particularly those in flood-prone areas where private insurers are unwilling or unable to offer coverage.

It also impacts property owners in participating communities who may need flood insurance to meet mortgage requirements, as well as state and local governments that rely on the program's stability for emergency response planning. **Current Status** The bill was introduced by Representative Troy Carter (D-LA) and is currently in committee. It has not yet been voted on by the full House or Senate. The NFIP has a history of being extended multiple times through temporary measures, so bills like this are regularly introduced as expiration dates approach to ensure continuous coverage for policyholders.