119th (2025–2027)
S. 824
S. 824, the NFIP Extension Act of 2025, extends the authorization of the National Flood Insurance Program (NFIP) for two additional years, moving the program's expiration date from September 30, 2023, to September 30, 2025. The bill affects millions of Americans who rely on the NFIP for flood insurance coverage, particularly homeowners and property owners in flood-prone areas who cannot obtain coverage through private insurers. The legislation updates both the program's financing authority and overall program authorization to align with the new deadline. If the bill is enacted after March 14, 2025, it includes a retroactive provision making the changes effective as of that earlier date, ensuring no lapse in the program's authority. The bill requires no new appropriations, as it simply extends the existing authorization timeline for the already-established federal flood insurance program.