Bills · HR 6560
IN COMMITTEE· 119TH CONGRESS
House BillHR 6560Finance and Financial Sector
National Flood Insurance Program Automatic Extension Act of 2025
INTRO DEC 10· LAST ACTION DEC 10
READING
3MIN
COSPONSORS
5BIPARTISAN
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 the National Flood Insurance Program has frequently faced short-term extensions and even temporary lapses in recent years, often due to political disagreements or legislative deadlines. These lapses cause significant uncertainty and distress for homeowners who need flood insurance, preventing them from buying new policies, renewing existing ones, or closing on home sales. Such disruptions can also impact the housing market and local economies in flood-prone regions.
If this bill becomes law, it would provide a crucial safety net, ensuring the flood insurance program continues to operate without interruption, even if Congress fails to pass a specific extension by a deadline. This means continuous access to flood insurance for millions, preventing the panic and financial risk associated with a program lapse. If it doesn't become law, the NFIP will continue to rely on Congress passing timely extensions, leaving it vulnerable to future expirations and the disruptions they cause for homeowners and the housing market.
KEY PROVISIONS
4AI-extractedPROVISION 01
Automatically extends the National Flood Insurance Program's key authorities for at least one full fiscal year if Congress does not explicitly extend or repeal it before its scheduled expiration.
Prevents disruptive lapses in flood insurance availability for homeowners and businesses.
PROVISION 02
Ensures that during an automatic extension, all existing rules, spending limits, and funding levels of the program remain unchanged.
Provides stability and continuity for the program and its policyholders during the extension period.
PROVISION 03
Clarifies that this automatic extension does not apply to temporary programs or studies within the NFIP that have their own specific termination dates.
Prevents the indefinite continuation of specific temporary initiatives that were intended to sunset.
PROVISION 04
Establishes a retroactive effective date of September 30, 2025, for this new automatic extension mechanism.
Aims to immediately address and prevent potential lapses around that specific date if the bill were enacted after it.
SPONSORSHIP
1 + 5
D· Louisiana
YRS IN OFFICE
5
BILLS LED
29
COSPONSOR BREAKDOWNBIPARTISAN · 80%
DEM 2 REP 3 IND 0
ACTION TIMELINE
2 EVENTSDEC 10
Introduced in House
DEC 10
Referred to the House Committee on Financial Services.
BILL INFO
TypeHouse Bill
NumberHR 6560
Congress119th
StatusIn Committee
IntroducedDec 10, 2025
Last actionDec 10, 2025
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IN COMMITTEE· 119TH CONGRESS · FINANCIAL SERVICES COMMITTEE · INTRODUCED DEC 10, 2025
House BillHR 6560Finance and Financial Sector
National Flood Insurance Program Automatic Extension Act of 2025
INTRODUCED DEC 10, 2025· LAST ACTION DEC 10, 2025
PASSAGE CHANCES
—%
READING
3 min
COSPONSORS
5
COMPLEXITY
Moderate
