NFIP Extension Act of 2025

# NFIF Extension Act of 2025 Summary **What It Would Do:** This bill would extend the National Flood Insurance Program (NFIP), a federal program that provides flood insurance to property owners in areas where private insurance isn't available or is too expensive. The bill aims to continue this program's operations, though the specific details of what changes it would make are not yet publicly detailed in available summaries. **Who It Affects:** The bill would impact millions of Americans who own property in flood-prone areas, particularly homeowners and business owners who rely on NFIP for affordable flood coverage.

It also affects communities participating in the program, insurance companies, and taxpayers, since the federal government backs the NFIP. **Current Status:** The bill (HR 2123) was introduced in the 119th Congress by Representative Andrew Garbarino (R-NY) and is currently in committee, meaning it hasn't yet been debated or voted on by the full House. To learn the specific provisions being proposed, you would need to review the bill's full text on Congress.gov.