Bills · HR 5848
IN COMMITTEE· 119TH CONGRESS
House BillHR 5848Finance and Financial Sector
NFIP Retroactive Renewal and Reauthorization Act
INTRO OCT 28· LAST ACTION OCT 28
READING
1MIN
COSPONSORS
1
READER REACTIONS0 TOTAL
NO VOTES YET · BE THE FIRST
- Introduced only
LEGISLATIVE PROGRESS
STEP 2 / 8Introduced
In Committee
Reported
Passed House
Passed Senate
Conference
To President
Became Law
WHAT THE BILL DOES
AI-writtenThis bill matters because it prevents a significant disruption in flood insurance coverage for millions of Americans. If the National Flood Insurance Program (NFIP) were to expire, homeowners and businesses in flood-prone areas might struggle to find affordable flood insurance, potentially halting real estate transactions and jeopardizing property values. This could lead to widespread instability in affected housing markets and leave many vulnerable to financial ruin after a flood.
By extending the program, Congress avoids an immediate crisis and gives itself more time to work on long-term reforms for the NFIP, which faces challenges like mounting debt and outdated mapping. Without this bill, people would face uncertainty about their insurance needs, and communities could see their economic recovery efforts hampered after a natural disaster, as properties would be much harder to sell or rebuild without adequate flood protection.
KEY PROVISIONS
3AI-extractedPROVISION 01
Extends the National Flood Insurance Program's ability to manage its finances until December 31, 2026.
This ensures the program has the necessary financial authority to operate and pay out claims for an additional period.
PROVISION 02
Extends the date by which the National Flood Insurance Program can issue and renew flood insurance policies until December 31, 2026.
This guarantees that homeowners and businesses in flood-prone areas can continue to access crucial flood insurance coverage.
PROVISION 03
Specifies that if the bill is passed after September 30, 2025, its provisions will be applied as if they took effect on that date.
This prevents any temporary lapse in the program's authority or insurance coverage should the bill not be enacted before the existing expiration date.
SPONSORSHIP
1 + 1
R· Mississippi
YRS IN OFFICE
3
BILLS LED
29
COSPONSOR BREAKDOWNBIPARTISAN · 0%
DEM 1 REP 0 IND 0
ACTION TIMELINE
2 EVENTSOCT 28
Introduced in House
OCT 28
Referred to the House Committee on Financial Services.
BILL INFO
TypeHouse Bill
NumberHR 5848
Congress119th
StatusIn Committee
IntroducedOct 28, 2025
Last actionOct 28, 2025
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IN COMMITTEE· 119TH CONGRESS · FINANCIAL SERVICES COMMITTEE · INTRODUCED OCT 28, 2025
House BillHR 5848Finance and Financial Sector
NFIP Retroactive Renewal and Reauthorization Act
INTRODUCED OCT 28, 2025· LAST ACTION OCT 28, 2025
PASSAGE CHANCES
—%
READING
1 min
COSPONSORS
1
COMPLEXITY
Moderate
