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Committee approves short-term extension of National Flood Insurance Program

Financial Services: House Committee · December 16, 2025

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Summary

The committee adopted HR 5577 to extend the National Flood Insurance Program (NFIP) through the end of fiscal year 2026, with members urging a longer-term reauthorization and additional reforms to improve affordability and program administration.

Rep. Garbarino introduced HR 5577 to extend the National Flood Insurance Program until Sept. 30, 2026. He and other proponents stressed the program's importance to homeowners, lenders, realtors and communities and said short-term extensions create market uncertainty and disrupt closings.

Ranking Member Waters and others said they supported the extension but urged the committee to pursue a longer-term reauthorization and administrative reforms to address affordability and claims-handling problems. Several members described prior program lapses and the economic harm they caused to property transactions.

The committee adopted the substitute and ordered the bill reported, and recorded votes were requested and postponed for multiple items. Committee leadership said an extension would prevent lapses while long-term reform conversations continued.

Action: Committee adopted HR 5577 as amended to extend NFIP authorization to Sept. 30, 2026 and ordered the bill reported to the House; a recorded vote was requested and postponed.