Bills · S 3151
IN COMMITTEE· 119TH CONGRESS
Senate BillS 3151Finance and Financial Sector
National Flood Insurance Program Automatic Extension Act of 2025
INTRO NOV 6· LAST ACTION NOV 6
READING
3MIN
COSPONSORS
1
READER REACTIONS0 TOTAL
NO VOTES YET · BE THE FIRST
- Introduced only
LEGISLATIVE PROGRESS
STEP 2 / 8Introduced
In Committee
Reported
Passed Senate
Passed House
Conference
To President
Became Law
WHAT THE BILL DOES
AI-writtenThis bill matters because it addresses a recurring problem with the National Flood Insurance Program: its frequent expiration and the need for Congress to pass short-term extensions. These lapses create uncertainty for homeowners, disrupt the real estate market, and can leave people unprotected if a flood occurs during a lapse. By establishing an automatic extension mechanism, the bill would provide continuous access to flood insurance, preventing the chaos and financial risk associated with a program shutdown.
If this bill becomes law, homeowners and those buying homes in flood zones would have more stability, knowing their flood insurance coverage won't suddenly disappear due to congressional inaction. If it doesn't become law, the NFIP will continue to face the risk of periodic lapses, potentially leaving properties uninsured, hindering property sales, and causing significant stress and financial vulnerability for affected individuals and communities.
KEY PROVISIONS
5AI-extractedPROVISION 01
Establishes an automatic extension mechanism for the National Flood Insurance Program (NFIP) if Congress does not act.
This prevents the NFIP from lapsing and ensures continuous availability of flood insurance.
PROVISION 02
Extends the NFIP's operating authorities, including issuing new policies, renewing existing ones, and paying claims, until the end of the fiscal year following its termination date.
This guarantees that essential flood insurance services remain uninterrupted during a period of automatic extension.
PROVISION 03
Maintains all existing dollar amounts, rates, terms, conditions, and funding levels for the NFIP during any automatic extension.
This ensures stability and predictability for policyholders and program administrators, avoiding sudden changes in coverage or cost.
PROVISION 04
Specifies that certain time-limited pilot programs or studies are not subject to this automatic extension.
This ensures that specific, temporary programs with defined endpoints still conclude as intended.
PROVISION 05
Sets a retroactive effective date for this section as if it was enacted on September 30, 2025.
This ensures the automatic extension mechanism covers any program expiration occurring on or after that date.
SPONSORSHIP
1 + 1
R· Louisiana
YRS IN OFFICE
17
BILLS LED
118
COSPONSOR BREAKDOWNBIPARTISAN · 0%
DEM 0 REP 1 IND 0
ACTION TIMELINE
2 EVENTSNOV 6
Introduced in Senate
NOV 6
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
BILL INFO
TypeSenate Bill
NumberS 3151
Congress119th
StatusIn Committee
IntroducedNov 6, 2025
Last actionNov 6, 2025
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IN COMMITTEE· 119TH CONGRESS · BANKING, HOUSING, AND URBAN AFFAIRS COMMITTEE · INTRODUCED NOV 6, 2025
Senate BillS 3151Finance and Financial Sector
National Flood Insurance Program Automatic Extension Act of 2025
INTRODUCED NOV 6, 2025· LAST ACTION NOV 6, 2025
PASSAGE CHANCES
—%
READING
3 min
COSPONSORS
1
COMPLEXITY
Moderate
