Bill · H.R. 6560· House(119-HR-6560)
National Flood Insurance Program Automatic Extension Act of 2025
- Introduced
- 12/10/2025
- Last activity
- 12/10/2025 — Referred to the House Committee on Financial Services.
- Sponsored by
- Troy Carter
- Cosponsors
- - 2 - 3
- Introduced
- In Committee
What this bill would do
This bill, known as the "National Flood Insurance Program Automatic Extension Act of 2025," seeks to amend the National Flood Insurance Act of 1968. It proposes an automatic contingent extension of the National Flood Insurance Program. This extension would continue specific authorities until the end of the fiscal year following the terminal fiscal year. The extension remains in place unless a new law is passed to extend or repeal the authority. The bill aims to ensure the program can continue to issue contracts, renew coverage, and pay claims.
Yes· 3 of 6
Does this improve help for people hit by a disaster?+5
The bill ensures the continuity of flood insurance contracts, coverage renewals, and claims payments for disaster-related flooding.
Would people in rural areas be better off under this?+3
Maintaining flood insurance is critical for the stability of rural communities often subject to flooding.
Would households on low incomes be better off under this?+2
Ensuring the continuity of the National Flood Insurance Program helps protect low-income households from total financial loss due to flooding.
The opposite
Does this reduce what the federal government spends?-1
The bill maintains existing funding levels and administrative operations for the National Flood Insurance Program.
Who it would affect, and how
Potential Positive Impacts for People
-
Continued Insurance Protections: The bill allows the Administrator to enter into, issue, or renew contracts for flood insurance and continue existing coverage (Section 2, subsection c, paragraph 2, subparagraphs A and B). This provides stability for those relying on the program.
-
Consistent Claims Processing: The authority to pay claims and service policies remains intact (Section 2, subsection c, paragraph 2, subparagraph C). This ensures that people facing flood damage can continue to receive payments and service for their policies.
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Operational Continuity: The program can continue its administrative and operational functions (Section 2, subsection c, paragraph 2, subparagraph D). This prevents a shutdown of the program's essential services.
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Stable Funding and Limits: Appropriations and funding availability would continue at the same levels and terms that were in effect before the termination date (Section 2, subsection d, paragraph 2). Additionally, limits on the Administrator's authority, such as aggregate amounts of notes or obligations, would remain at the same levels (Section 2, subsection d, paragraph 1).
Potential Negative Impacts for People
- No Extension for Specific Programs: The automatic extension does not apply to pilot programs, demonstration programs, studies, task forces, commissions, councils, or committees that are expressly required by statute to terminate on a specific date (Section 2, subsection e). This could lead to the end of certain specialized program initiatives.
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 Rural Residents+3Good For Low Income Households+2Good For Middle Class Households+2
- Environment Energy And Infrastructure
- Improves Disaster Relief And F E M A+5
- Social Issues And Justice
- Improves Affordable Housing+2
- Economy And Finance
- Reduces Government Spending-1
- Governance And Ideology
- Improves Government Transparency+1
- 12/10/2025
- Referred to the House Committee on Financial Services.
- 5 Cosponsors added.
- 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.
Mike EzellRepublican · Mississippi
Cleo FieldsDemocrat · Louisiana
Lizzie FletcherDemocrat · Texas
Clay HigginsRepublican · Louisiana
Julia LetlowRepublican · Louisiana