Bill · H.R. 5848· House(119-HR-5848)
NFIP Retroactive Renewal and Reauthorization Act
- Introduced
- 10/28/2025
- Last activity
- 10/28/2025 — Referred to the House Committee on Financial Services.
- Sponsored by
- Mike Ezell
- Cosponsors
- - 0 - 1
- Introduced
- In Committee
What this bill would do
This bill is called the NFIP Retroactive Renewal and Reauthorization Act. It was introduced in the House of Representatives by Mr. Ezell and Mr. Carter of Louisiana. The main goal of the bill is to extend the National Flood Insurance Program. It pushes the expiration date of the program out to December 31, 2026. The bill also updates the financing date for the program to match this new extension. Finally, it includes a retroactive effective date so that the changes take effect as if enacted on September 30, 2025, if the bill passes after that date.
Yes· 3 of 11
Does this improve help for people hit by a disaster?+6
Extends the National Flood Insurance Program through December 31, 2026, ensuring continued disaster mitigation and relief support.
Would middle-income households be better off under this?+4
Provides essential insurance continuity for middle-class families living in flood hazard zones.
Would households on low incomes be better off under this?+3
Assists lower-income homeowners and renters in flood-prone areas by maintaining access to federal flood insurance.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
- Section 2 extends the National Flood Insurance Program through December 31, 2026, which continues the program's financing and prevents its expiration. This is a positive outcome because it keeps the flood insurance program running longer for the people who rely on it.
Potential Negative Impacts for People
- Based on the provided text, there are no specific sections or provisions identified that create negative consequences or burdens for individuals or groups of people.
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 Middle Class Households+4Good For Business Owners+3Good For Low Income Households+3Good For Farmers+2Good For Rural Residents+2Good For Urban Residents+2
- Economy And Finance
- Improves Economic Growth+3Improves Small Business Support+3
- Environment Energy And Infrastructure
- Improves Disaster Relief And F E M A+6
- Social Issues And Justice
- Improves Affordable Housing+3Reduces Homelessness+2
- 10/28/2025
- Referred to the House Committee on Financial Services.
- 1 Cosponsor added.
- Introduced in House
Troy CarterDemocrat · Louisiana