H.R. 6560 would ensure the National Flood Insurance Program (NFIP) automatically continues operating if Congress fails to extend it before its authorization expires. The bill amends the 1968 National Flood Insurance Act to allow the program to automatically function through the fiscal year following the expiration date, maintaining the Administrator's authority to issue new policies, renew existing coverage, pay claims, and handle administrative operations. During any automatic extension, the program would operate under the same funding levels, rates, and terms that were in effect immediately before expiration, with the exception that pilot programs and other temporary initiatives with statutory end dates would not be extended. The legislation affects millions of Americans who hold flood insurance policies and would prevent a lapse in coverage if Congress becomes deadlocked on reauthorization. The bill was introduced by Louisiana representatives in December 2025 and is designed to take effect retroactively from September 30, 2025.
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