NFIP Extension Act of 2026

# NFIP Extension Act of 2026 - Summary **What the bill does:** This bill would extend the National Flood Insurance Program (NFIP), a federal program that provides flood insurance to property owners who cannot obtain coverage from private insurers. The NFIP currently operates under temporary authorizations that expire periodically and require Congress to renew them. This bill would extend the program's authorization, ensuring it continues operating beyond its current expiration date. **Who it affects:** The bill primarily affects homeowners and property owners in flood-prone areas who rely on the NFIP for insurance coverage.

It also impacts the communities and states where flood insurance is critical for real estate transactions and disaster recovery. The bill has broader implications for emergency management and disaster relief efforts nationwide. **Current status:** As of now, the bill (HR 5577) is in committee and has not yet been brought to a full House vote. The bill was introduced by Representative Andrew Garbarino (R-NY), likely reflecting concerns about flood protection in his New York district, which experiences significant flood risks.