On November 12, the House of Representatives passed a continuing resolution to fund most of the federal government, including the National Flood Insurance Program (NFIP), until January 30, 2026. The deal, which also extends Department of Agriculture funding for the remainder of the fiscal year, was signed by President Donald Trump shortly after final House passage.

The extension, which is retroactive to October 1st, marks the NFIP’s 34th short-term extension since the last five-year reauthorization expired in 2017. According to NFIP’s bulletin W-24020, “If reauthorization is granted retroactively, the NFIP insurers can issue policies effective as of the date they receive the application and all amounts due (subject to applicable waiting periods), and any claims for covered losses that occurred during the expiration can be processed and paid (subject to provisions of the Standard Flood Insurance Policy (SFIP)).” Agents should refer to the NFIP bulletin for full reauthorization guidance.

PIA will continue to work with lawmakers to bolster support for a long-term reauthorization of the NFIP with necessary reforms.