National Flood Insurance Program Automatic Extension Act of 2025

# National Flood Insurance Program Automatic Extension Act of 2025 (HR 6560) **What the Bill Does** This bill would automatically extend the National Flood Insurance Program (NFIP) instead of allowing it to expire. Currently, Congress must periodically vote to reauthorize the NFIP, which provides flood insurance to millions of Americans whose homes are in flood-prone areas or required by lenders to carry flood coverage. Without reauthorization, the program would shut down. This bill would create a continuous, automatic extension process, eliminating the need for repeated congressional votes to keep the program running. **Who It Affects** The bill primarily affects homeowners and renters in flood-prone areas, as well as the insurance industry and mortgage lenders.

Approximately 5.5 million policies are held through the NFIP, mostly in high-risk coastal and riverside communities. It also impacts communities that rely on the program's federal backing to provide affordable flood insurance when private insurers won't cover flood risks. **Current Status** As of now, the bill remains in committee (the first step in the legislative process) with no votes or further action scheduled. The bill was introduced by Representative Troy Carter, a Democrat from Louisiana—a state heavily affected by flooding and particularly reliant on the NFIP.