National Flood Insurance Program Automatic Extension Act of 2025

[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[S. 3151 Introduced in Senate (IS)]

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119th CONGRESS
  1st Session
                                S. 3151

 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.


_______________________________________________________________________


                   IN THE SENATE OF THE UNITED STATES

                            November 6, 2025

  Mr. Cassidy introduced the following bill; which was read twice and 
    referred to the Committee on Banking, Housing, and Urban Affairs

_______________________________________________________________________

                                 A BILL


 
 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.

    Be it enacted by the Senate and House of Representatives of the 
United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

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

SEC. 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:

``SEC. 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.''.
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