S. 3151

National Flood Insurance Program Automatic Extension Act of 2025

Shown here: Introduced in Senate (2025-11-06)

To amend the National Flood Insurance Act of 1968 to provide for the automatic contingent extension of the National Flood Insurance Program, and for other purposes.

1. Short title

This Act may be cited as the “National Flood Insurance Program Automatic Extension Act of 2025”.

2. Contingent extension of the National Flood Insurance Program

Section 1319 of the National Flood Insurance Act of 1968 (42 U.S.C. 4026) is amended to read as follows:

1319. Program expiration and contingent extension
(a) Definitions
In this section:
(1) Terminal fiscal year
The term terminal fiscal year means the fiscal year in which the termination date occurs.
(2) Termination date
The term termination date means the later of—
(A) the date described in subsection (b); or
(B) the date that is deemed to apply in lieu of the date described in subsection (b) by the operation of any other Act.
(b) Expiration
No new contract for flood insurance under this title shall be entered into after September 30, 2023.
(c) Automatic extension
(1) In general
The authorities described in paragraph (2) shall be automatically extended until the last day of the fiscal year following the terminal fiscal year, unless, before the termination date, a duly enacted law of the United States extends or repeals such an authority.
(2) Authorities described
The authorities described in this paragraph are authorities under this title for the Administrator to do the following:
(A) Enter into, issue, or renew contracts for flood insurance.
(B) Continue in force existing flood insurance coverage.
(C) Pay claims, service policies (including through participating insurers), and carry out related administrative and operational functions.
(D) Otherwise operate the national flood insurance program.
(d) Terms and limitations during extension
(1) In general
Any limitation on the authority of the Administrator under this title that is tied to a specific calendar date, including any limitation on the aggregate amount of notes or other obligations that may be issued under section 1309, shall, during a period of automatic extension under subsection (c), apply at the same dollar amounts, rates, terms, and conditions that were in effect, as of the day before the termination date.
(2) Funding availability
Any authorization of appropriations or other funding availability under this title that would otherwise expire on the termination date shall, during a period of automatic extension under subsection (c), be available at the same level and under the same terms and conditions that were in effect, as of the day before the termination date.
(e) Explicit statutory sunsets not extended
Subsection (c) may not be construed to extend to any pilot program, demonstration program, study, task force, commission, council, or committee under this title that is expressly required by statute to terminate on a specific calendar date, notwithstanding any other provision of law.
(f) Rule of construction
Nothing in this section may be construed to impair any flood insurance contract lawfully in effect, as of the day before the date of enactment of this section, or the obligation of the United States with respect to any such contract.
(g) Retroactive effective date
This section shall take effect as if enacted on September 30, 2025.

2. Contingent extension of the National Flood Insurance Program

Section 1319 of the National Flood Insurance Act of 1968 (42 U.S.C. 4026) is amended to read as follows:

1319. Program expiration and contingent extension

(a) Definitions

In this section:

(1) Terminal fiscal year

The term terminal fiscal year means the fiscal year in which the termination date occurs.

(2) Termination date

The term termination date means the later of—

(A) the date described in subsection (b); or

(B) the date that is deemed to apply in lieu of the date described in subsection (b) by the operation of any other Act.

(b) Expiration

No new contract for flood insurance under this title shall be entered into after September 30, 2023.

(c) Automatic extension

(1) In general

The authorities described in paragraph (2) shall be automatically extended until the last day of the fiscal year following the terminal fiscal year, unless, before the termination date, a duly enacted law of the United States extends or repeals such an authority.

(2) Authorities described

The authorities described in this paragraph are authorities under this title for the Administrator to do the following:

(A) Enter into, issue, or renew contracts for flood insurance.

(B) Continue in force existing flood insurance coverage.

(C) Pay claims, service policies (including through participating insurers), and carry out related administrative and operational functions.

(D) Otherwise operate the national flood insurance program.

(d) Terms and limitations during extension

(1) In general

Any limitation on the authority of the Administrator under this title that is tied to a specific calendar date, including any limitation on the aggregate amount of notes or other obligations that may be issued under section 1309, shall, during a period of automatic extension under subsection (c), apply at the same dollar amounts, rates, terms, and conditions that were in effect, as of the day before the termination date.

(2) Funding availability

Any authorization of appropriations or other funding availability under this title that would otherwise expire on the termination date shall, during a period of automatic extension under subsection (c), be available at the same level and under the same terms and conditions that were in effect, as of the day before the termination date.

(e) Explicit statutory sunsets not extended

Subsection (c) may not be construed to extend to any pilot program, demonstration program, study, task force, commission, council, or committee under this title that is expressly required by statute to terminate on a specific calendar date, notwithstanding any other provision of law.

(f) Rule of construction

Nothing in this section may be construed to impair any flood insurance contract lawfully in effect, as of the day before the date of enactment of this section, or the obligation of the United States with respect to any such contract.

(g) Retroactive effective date

This section shall take effect as if enacted on September 30, 2025.