Bill · H.R. 5577· House(119-HR-5577)
NFIP Extension Act of 2026
- Introduced
- 9/26/2025
- Last activity
- 1/15/2026 — Placed on the Union Calendar, Calendar No. 391.
- Sponsored by
- Andrew Garbarino
- Cosponsors
- - 4 - 2
- Introduced
- On Calendar
What this bill would do
This bill is called the NFIP Extension Act of 2026. Its purpose is to reauthorize the National Flood Insurance Program. It changes the dates for program financing and expiration from September 30, 2023, to September 30, 2026. The bill also includes a provision to make these changes retroactive to January 30, 2026, if enacted after that date.
Yes· 3 of 8
Does this improve help for people hit by a disaster?+7
The bill reauthorizes a key program for flood disaster financial recovery.
Would farmers be better off under this?+5
Farmers with land in flood-prone areas benefit from continued program availability.
Would people in rural areas be better off under this?+5
Rural residents in flood plains are heavily dependent on NFIP for property protection.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
- Extension of Program Availability: By amending Section 1309(a) and Section 1319 to extend the dates to September 30, 2026, the bill ensures the National Flood Insurance Program continues to operate.
Potential Negative Impacts for People
- No negative impacts for individuals or groups are explicitly mentioned in the provided text.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Farmers+5Good For Rural Residents+5Good For Business Owners+4Good For High Income Households+4Good For Low Income Households+4Good For Middle Class Households+4
- Environment Energy And Infrastructure
- Improves Disaster Relief And F E M A+7
- Social Issues And Justice
- Improves Affordable Housing+5
- 1/15/2026
- Reported (Amended) by the Committee on Financial Services. H. Rept. 119-456.
- Placed on the Union Calendar, Calendar No. 391.
- 12/17/2025
- Committee Consideration and Mark-up Session Held
- Ordered to be Reported (Amended) by the Yeas and Nays: 53 - 0.
- 12/16/2025
- Committee Consideration and Mark-up Session Held
- 12/15/2025
- 1 Cosponsor added.
- 11/10/2025
- 1 Cosponsor added.
- 10/3/2025
- 2 Cosponsors added.
- 9/30/2025
- 2 Cosponsors added.
- 9/26/2025
- Referred to the House Committee on Financial Services.
- Introduced in House
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Earl CarterRepublican · Georgia
Josh GottheimerDemocrat · New Jersey
Nick LaLotaRepublican · New York
Michael LawlerRepublican · New York
Jared MoskowitzDemocrat · Florida
Jefferson Van DrewRepublican · New Jersey