To extend the National Flood Insurance Program through November 21, 2025.

# Summary of HR 5574 **What the Bill Does** HR 5574 would extend the National Flood Insurance Program (NFIP) for an additional period, keeping it operational through November 21, 2025. The NFIP is a federal program that provides flood insurance to property owners, renters, and businesses in communities that participate in the program. Without periodic extensions, the program would expire and coverage would lapse. **Who It Affects** This bill would affect millions of Americans who rely on flood insurance, particularly those in flood-prone areas where private insurance may be unavailable or unaffordable. It also impacts property owners with mortgages in high-risk flood zones, as lenders typically require flood insurance.

Communities participating in the NFIP would also be affected, since the program helps manage flood risk at the local level. **Current Status** As of now, HR 5574 is in committee and has not yet been voted on by the full House. The bill was introduced by Representative Mike Ezell (R-MS). Extensions of the NFIP are routine but necessary pieces of legislation, as Congress must periodically renew the program to keep it functioning.