National Flood Insurance Program Automatic Extension Act of 2025

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

Section 1319 of the National Flood Insurance Act of 1968 (42 U.S.C. 4026) is amended to read as follows:

In this section:

The term terminal fiscal year means the fiscal year in which the termination date occurs.

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.

No new contract for flood insurance under this title shall be entered into after September 30, 2023.

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.

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.

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.

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.

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.

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.

This section shall take effect as if enacted on September 30, 2025.

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