H.R. 2822 extends the National Flood Insurance Program (NFIP) for an additional three years, moving its expiration date from September 30, 2023, to December 31, 2026. The NFIP is the federal government's primary flood insurance program, serving millions of property owners nationwide who cannot obtain flood coverage from private insurers. This extension affects homeowners, renters, and businesses in flood-prone areas who rely on NFIP policies, as well as lenders who require flood insurance for properties in designated flood zones. The bill makes no changes to program funding mechanisms or policy rates—it simply ensures continuous operation beyond the current deadline. The legislation was introduced in April 2025 by a bipartisan group of representatives led by Representative Carter of Louisiana and referred to the House Committee on Financial Services.
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