The NFIP Extension Act extends the authorization of the National Flood Insurance Program, a federal program that provides flood insurance to property owners in flood-prone areas. The bill extends the program's financing authority and operational authorization from their scheduled expiration date of September 30, 2025, to September 30, 2026, giving Congress an additional year to develop a permanent solution. This bill affects millions of Americans who hold flood insurance policies through the program, particularly homeowners and businesses in areas where private flood insurance is unavailable or unaffordable. The legislation includes a retroactive effective date provision, meaning that if passed after the original September 30, 2025, deadline, the extensions will be treated as if they took effect on that date to prevent any lapse in the program's authority. No new funding amounts are specified in the bill text; it primarily addresses the timeline for the program's continuation.
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