Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (Sponsor introductory remarks on measure: CR S1745)
This bill amends two sections of the National Flood Insurance Act of 1968 to extend the National Flood Insurance Program (NFIP) authority and financing deadlines. It replaces the previous September 30, 2023 expiration dates with a new December 31, 2026 expiration.
Progressives emphasize consumer protection and equity; conservatives emphasize fiscal limits and privatization.
Relative to its intended legislative type, this bill is a concise, well-specified statutory extension that accurately identifies and amends the relevant U.S. Code provisions to move the NFIP expiration to December 31, 2026.
This bill amends two sections of the National Flood Insurance Act of 1968 to extend the National Flood Insurance Program (NFIP) authority and financing deadlines.
It replaces the previous September 30, 2023 expiration dates with a new December 31, 2026 expiration.
The text only updates statutory expiration dates; it does not change program structure, premiums, or specific reforms.
Short, technical extension of an existing federal program historically renewed; low policy controversy increases chances.
Relative to its intended legislative type, this bill is a concise, well-specified statutory extension that accurately identifies and amends the relevant U.S. Code provisions to move the NFIP expiration to December 31, 2026.
Progressives emphasize consumer protection and equity; conservatives emphasize fiscal limits and privatization.
These are examples from the analysis, not a ranked list of the most-affected groups.
Progressives emphasize consumer protection and equity; conservatives emphasize fiscal limits and privatization.
Likely broadly supportive because the extension maintains an important federal disaster-safety net for homeowners and renters.
Would view it as necessary to avoid a lapse in coverage while pushing for stronger consumer protections and equity provisions in future reforms.
May criticize the bill for not including provisions to protect low-income policyholders or address climate-driven risk.
Likely supportive as a pragmatic, short-term measure to avoid program lapse and market disruption.
Views the bill as a stopgap that should be coupled with measured reforms to improve fiscal sustainability and actuarial soundness.
Will press for transparency about costs and a timetable for reforms.
Likely skeptical but split: some oppose continued federal involvement and taxpayer exposure, others prefer a short extension to prevent disruption.
Views the bill as maintaining an expensive federal program without market-based reforms.
Would press for privatization, stronger cost-sharing, or program sunset absent reforms.
Reached or meaningfully advanced
Reached or meaningfully advanced
Still ahead
Still ahead
Still ahead
Short, technical extension of an existing federal program historically renewed; low policy controversy increases chances.
The bill has not accumulated any surfaced votes yet.
Progressives emphasize consumer protection and equity; conservatives emphasize fiscal limits and privatization.
Short, technical extension of an existing federal program historically renewed; low policy controversy increases chances.
Relative to its intended legislative type, this bill is a concise, well-specified statutory extension that accurately identifies and amends the relevant U.S. Code provisions to move the NFIP expiration to December 31, 2…
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