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H.R. 5574House119th Congress (2025-2027)In Committee

To extend the National Flood Insurance Program through November 21, 2025.

Sponsored by Mike EzellRep. Mike Ezell (R-MS)
Introduced September 26, 2025

AI-Generated Summary

Updated November 23, 2025 at 8:19 PM UTC

This bill extends the National Flood Insurance Program (NFIP) by moving its financing and expiration dates forward to November 21 2025. The change keeps the NFIP active for homeowners, renters, and businesses in flood‑prone areas, allowing them to continue buying federally backed flood insurance.

Key Provisions

  • Changes the financing deadline in the National Flood Insurance Act from September 30 2023 to November 21 2025.
  • Changes the program expiration date in the same Act from September 30 2023 to November 21 2025.

Legislative Activity

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HouseIntro Referral Latest Action

Referred to the House Committee on Financial Services.

Financial Services Committee

September 26, 2025

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HouseIntro Referral

Introduced in House

September 26, 2025

HouseIntro Referral

Referred to the House Committee on Financial Services.

Financial Services Committee

September 26, 2025

Bill Text

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Introduced in HouseIssued September 26, 2025

I

119th CONGRESS

1st Session

H. R. 5574

IN THE HOUSE OF REPRESENTATIVES

September 26, 2025

Mr. Ezell (for himself, Mr. Carter of Louisiana, Mrs. Fletcher, Mr. Higgins of Louisiana, and Mr. Moore of Alabama) introduced the following bill; which was referred to the Committee on Financial Services

A BILL

To extend the National Flood Insurance Program through November 21, 2025.

1.

Extension 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, in the first sentence, by striking September 30, 2023 and inserting November 21, 2025.

(b)

Program expiration

Section 1319 of the National Flood Insurance Act of 1968 (42 U.S.C. 4026) is amended by striking September 30, 2023 and inserting November 21, 2025.