H.R. 1392 – National Flood Insurance Program Extension Act of 2023

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Updated January 20, 2026 at 4:29 AM UTC

The bill extends the authorization of the National Flood Insurance Program (NFIP) until December 31, 2024. It updates the program’s financing and expiration dates in the National Flood Insurance Act of 1968. The change affects anyone who participates in the NFIP, including homeowners, businesses, and communities that purchase flood insurance.

Key Provisions

Changes the financing provision date from September 30, 2022 to December 31, 2024.
Changes the program expiration date from September 30, 2022 to December 31, 2024.
If enacted after September 30, 2023, the new dates take effect retroactively as of September 30, 2023.

Legislative Activity

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1 earlier action

HouseIntro Referral Latest Action

Referred to the House Committee on Financial Services.

Financial Services Committee

March 7, 2023

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HouseIntro Referral

Introduced in House

March 7, 2023

HouseIntro Referral

Referred to the House Committee on Financial Services.

Financial Services Committee

March 7, 2023

Bill Text

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Introduced in HouseIssued March 7, 2023

I

118th CONGRESS

1st Session

H. R. 1392

IN THE HOUSE OF REPRESENTATIVES

March 7, 2023

Mr. Davidson introduced the following bill; which was referred to the Committee on Financial Services

A BILL

To reauthorize the National Flood Insurance Program through December 31, 2024.

1.

Short title

This Act may be cited as the National Flood Insurance Program Extension Act of 2023.

2.

Reauthorization of National Flood Insurance Program

(a)

Financing

Section 1309(a) of the National Flood Insurance Act of 1968 (42 U.S.C. 4016(a)) is amended by striking September 30, 2022 and inserting December 31, 2024.

(b)

Program expiration

Section 1319 of the National Flood Insurance Act of 1968 (42 U.S.C. 4026) is amended by striking September 30, 2022 and inserting December 31, 2024.

(c)

Retroactive effective date

If this Act is enacted after September 30, 2023, the amendments made by subsections (a) and (b) shall take effect as if enacted on September 30, 2023.