Latest action: Placed on the Union Calendar, Calendar No. 391.
Bill is filed in its originating chamber and assigned a number.
Sponsor
Andrew Garbarino (R-NY)
Filed in the House.
Next: In Committee
Members of the committee(s) the bill was referred to
Extends the National Flood Insurance Program for additional years.
The problem
The National Flood Insurance Program (NFIP) needs renewal. Without extension, flood insurance coverage for millions of Americans would lapse.
The proposal
The bill extends the NFIP's authorization period, allowing the program to continue operating and providing flood insurance to homeowners and businesses.
The impact
Homeowners, renters, and businesses in flood-prone areas keep access to federal flood insurance. Lenders in these areas can continue mortgages.
Flood insurance helps families recover after floods without losing their homes. Millions of Americans in flood zones depend on NFIP coverage for protection.
Lenders require flood insurance in high-risk areas. Extension ensures mortgage and property markets stay stable in these regions.
Existing customers avoid sudden loss of coverage. They maintain predictable insurance availability and can keep their policies active.
NFIP helps communities manage flood risk and recover faster after disasters. The program provides crucial financial resources when flooding occurs.
The program has owed billions to the federal government from major hurricanes. Extension without reform continues taxpayer-funded losses that grow over time.
Artificially low insurance premiums in NFIP sometimes encourage building in flood zones. This could increase long-term disaster costs and environmental damage.
Without official summary, the extension's cost to taxpayers and duration are unclear. Congress may not fully evaluate financial consequences.
Simple extension postpones fixing underlying NFIP problems like debt and rate accuracy. Structural issues remain unaddressed.
Generated by AI from the bill text. Not a prediction and not legal or policy advice. The percentage is the model's own rating of each item — self-reported, and not a measure of how accurate it is.
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Other bills in this policy area
S 5639
Portal for Appraisal Licensing Act of 2026
S 1564
Floodplain Enhancement and Recovery Act
HR 1190
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HR 7730
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Individual contributions, grouped by employer · FEC
Where their individual donors work · 2026 cycle
Money from people who work there, not from the company. Not tied to this bill.
Itemized individual contributions via FEC, grouped by the employer each contributor self-reported. Companies and unions cannot contribute to federal candidates from their treasuries, so these totals are money from people who work at an employer — never from the organization itself. They are campaign contributions covering a full election cycle and are not connected to this bill.
Senate LDA lobbying disclosures
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