S. 3151 modifies how the National Flood Insurance Program (NFIP) operates when it reaches its expiration date by creating an automatic extension mechanism instead of requiring Congress to pass new legislation each time the program's authorization lapses. Under this bill, the NFIP's core authorities—including issuing new policies, renewing existing coverage, paying claims, and performing administrative functions—would automatically extend through the end of the fiscal year following the program's termination date unless Congress explicitly passes a law to extend or repeal the program. The bill maintains all existing terms, funding levels, and limitations that were in effect before the expiration date during any extension period, though it excludes temporary pilot programs and committees with specific statutory end dates from the automatic extension. This change affects millions of Americans who rely on flood insurance, particularly homeowners and businesses in flood-prone areas, by ensuring continuous coverage without gaps caused by legislative delays. The bill takes effect retroactively as of September 30, 2025.
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