{
  "trackerName": "NFIP Reauthorization Tracker",
  "publishedAt": "2026-08-07",
  "modifiedAt": "2026-08-07",
  "reviewedAt": "2026-08-06",
  "expirationDate": "2026-09-30",
  "longTermProposalId": "H.R. 5484",
  "currentAuthority": {
    "status": "authorized",
    "statusLabel": "Authorized",
    "through": "2026-09-30",
    "law": "Public Law 119-75",
    "lawUrl": "https://www.govinfo.gov/app/details/PLAW-119publ75",
    "enactedAt": "2026-02-03",
    "effectiveFrom": "2026-01-30",
    "summary": "Section 5004 extended the National Flood Insurance Program's financing and program-expiration authorities through September 30, 2026. Because the law was enacted after January 30, the extension took effect as if enacted on January 30, 2026."
  },
  "sources": [
    {
      "id": "pl-119-37",
      "name": "Public Law 119-37",
      "publisher": "U.S. Government Publishing Office",
      "url": "https://www.govinfo.gov/app/details/PLAW-119publ37",
      "eventDate": "2025-11-12",
      "retrievedAt": "2026-08-06",
      "note": "Operative law that restored NFIP authority after the October 2025 lapse and extended it through January 30, 2026."
    },
    {
      "id": "pl-119-75",
      "name": "Public Law 119-75, section 5004",
      "publisher": "U.S. Government Publishing Office",
      "url": "https://www.govinfo.gov/app/details/PLAW-119publ75",
      "eventDate": "2026-02-03",
      "retrievedAt": "2026-08-06",
      "note": "Operative law extending NFIP financing and program-expiration authorities through September 30, 2026."
    },
    {
      "id": "crs-in10835",
      "name": "What Happens If the National Flood Insurance Program (NFIP) Lapses?",
      "publisher": "Congressional Research Service",
      "url": "https://www.congress.gov/crs-product/IN10835",
      "eventDate": "2026-02-06",
      "retrievedAt": "2026-08-06",
      "note": "Official congressional analysis of the October-November 2025 and February 2026 lapses, the September 30, 2026 deadline, and the authorities affected by a lapse."
    },
    {
      "id": "hr-2822",
      "name": "H.R. 2822 — To extend the National Flood Insurance Program through December 31, 2026",
      "publisher": "Congress.gov",
      "url": "https://www.congress.gov/bill/119th-congress/house-bill/2822/all-info",
      "eventDate": "2025-04-10",
      "retrievedAt": "2026-08-06",
      "note": "Official status and actions page for a House proposal to extend NFIP authority through December 31, 2026."
    },
    {
      "id": "hr-5484",
      "name": "H.R. 5484 — National Flood Insurance Program Reauthorization and Reform Act of 2025",
      "publisher": "Congress.gov",
      "url": "https://www.congress.gov/bill/119th-congress/house-bill/5484/all-info",
      "eventDate": "2025-09-19",
      "retrievedAt": "2026-08-06",
      "note": "Official status and actions page for the pending long-term reform proposal."
    },
    {
      "id": "hr-5574",
      "name": "H.R. 5574 — To extend the National Flood Insurance Program through November 21, 2025",
      "publisher": "Congress.gov",
      "url": "https://www.congress.gov/bill/119th-congress/house-bill/5574/all-info",
      "eventDate": "2025-09-26",
      "retrievedAt": "2026-08-06",
      "note": "Official status and actions page for a House proposal to extend NFIP authority through November 21, 2025."
    },
    {
      "id": "hr-5577",
      "name": "H.R. 5577 — NFIP Extension Act of 2026",
      "publisher": "Congress.gov",
      "url": "https://www.congress.gov/bill/119th-congress/house-bill/5577/all-info",
      "eventDate": "2026-01-15",
      "retrievedAt": "2026-08-06",
      "note": "Official status and actions page for the separately reported short-term extension bill."
    },
    {
      "id": "hr-5848",
      "name": "H.R. 5848 — NFIP Retroactive Renewal and Reauthorization Act",
      "publisher": "Congress.gov",
      "url": "https://www.congress.gov/bill/119th-congress/house-bill/5848/all-info",
      "eventDate": "2025-10-28",
      "retrievedAt": "2026-08-06",
      "note": "Official status and actions page for a House proposal that included an NFIP extension through December 31, 2026."
    }
  ],
  "legislation": [
    {
      "identifier": "Public Law 119-75",
      "kind": "Law controlling at review",
      "status": "Enacted",
      "lastActionDate": "2026-02-03",
      "proposedThrough": "2026-09-30",
      "isCurrentAuthority": true,
      "sourceId": "pl-119-75",
      "summary": "The extension controlling at the August 6, 2026 review. Section 5004 authorized the program through September 30, 2026."
    },
    {
      "identifier": "Public Law 119-37",
      "kind": "Prior enacted extension",
      "status": "Enacted; superseded by later law",
      "lastActionDate": "2025-11-12",
      "proposedThrough": "2026-01-30",
      "isCurrentAuthority": false,
      "sourceId": "pl-119-37",
      "summary": "Restored authority after the October-November 2025 lapse and extended it through January 30, 2026. It was later superseded by Public Law 119-75."
    },
    {
      "identifier": "H.R. 2822",
      "kind": "Standalone extension proposal",
      "status": "Introduced; referred to committee",
      "lastActionDate": "2025-04-10",
      "proposedThrough": "2026-12-31",
      "isCurrentAuthority": false,
      "sourceId": "hr-2822",
      "summary": "Would have extended NFIP authority through December 31, 2026. It was not the law controlling at the August 6, 2026 review."
    },
    {
      "identifier": "H.R. 5484",
      "kind": "Long-term reform proposal",
      "status": "Introduced; referred to subcommittee",
      "lastActionDate": "2025-09-19",
      "proposedThrough": "2030-09-30",
      "isCurrentAuthority": false,
      "sourceId": "hr-5484",
      "summary": "Would extend NFIP authority through September 30, 2030 and make broader affordability, mapping, solvency, and policyholder-protection changes. It was not the law controlling at the August 6, 2026 review."
    },
    {
      "identifier": "H.R. 5574",
      "kind": "Standalone short extension",
      "status": "Introduced; referred to committee",
      "lastActionDate": "2025-09-26",
      "proposedThrough": "2025-11-21",
      "isCurrentAuthority": false,
      "sourceId": "hr-5574",
      "summary": "Would have extended NFIP authority through November 21, 2025. It was not the law controlling at the August 6, 2026 review."
    },
    {
      "identifier": "H.R. 5577",
      "kind": "Standalone short extension",
      "status": "Reported by committee; placed on Union Calendar",
      "lastActionDate": "2026-01-15",
      "proposedThrough": "2026-09-30",
      "isCurrentAuthority": false,
      "sourceId": "hr-5577",
      "summary": "Proposed the same September 30, 2026 endpoint. The operative extension was enacted separately in Public Law 119-75."
    },
    {
      "identifier": "H.R. 5848",
      "kind": "Retroactive renewal and extension proposal",
      "status": "Introduced; referred to committee",
      "lastActionDate": "2025-10-28",
      "proposedThrough": "2026-12-31",
      "isCurrentAuthority": false,
      "sourceId": "hr-5848",
      "summary": "Included an NFIP extension through December 31, 2026, with a retroactive-effective provision if enacted after September 30, 2025. It was not the law controlling at the August 6, 2026 review."
    }
  ],
  "lapseIntervals": [
    {
      "start": "2025-10-01",
      "end": "2025-11-12",
      "restoredBy": "Public Law 119-37",
      "sourceId": "crs-in10835",
      "restorationSourceId": "pl-119-37",
      "summary": "CRS records that NFIP authority lapsed from October 1 through November 12, 2025; Public Law 119-37 restored authority and continued it through January 30, 2026."
    },
    {
      "start": "2026-02-01",
      "end": "2026-02-03",
      "restoredBy": "Public Law 119-75",
      "sourceId": "crs-in10835",
      "restorationSourceId": "pl-119-75",
      "summary": "CRS records a second lapse from February 1 through February 3, 2026; Public Law 119-75 restored authority and extended it through September 30, 2026."
    }
  ],
  "events": [
    {
      "date": "2025-04-10",
      "type": "Proposal",
      "headline": "H.R. 2822 introduced",
      "detail": "The House proposal was introduced to extend NFIP authority through December 31, 2026.",
      "sourceId": "hr-2822",
      "measureStatusAtReview": "Introduced; referred to committee"
    },
    {
      "date": "2025-09-18",
      "type": "Proposal",
      "headline": "H.R. 5484 introduced",
      "detail": "The long-term reauthorization and reform proposal was introduced in the House. Its text would extend NFIP authority through September 30, 2030.",
      "sourceId": "hr-5484"
    },
    {
      "date": "2025-09-19",
      "type": "Referral",
      "headline": "H.R. 5484 referred to subcommittee",
      "detail": "The latest action listed on the official bill page is referral to the House Transportation and Infrastructure subcommittee.",
      "sourceId": "hr-5484",
      "measureStatusAtReview": "Introduced; referred to subcommittee"
    },
    {
      "date": "2025-09-26",
      "type": "Proposal",
      "headline": "H.R. 5574 introduced and referred",
      "detail": "The House proposal was introduced and referred to the Financial Services Committee with a November 21, 2025 NFIP endpoint.",
      "sourceId": "hr-5574",
      "measureStatusAtReview": "Introduced; referred to committee"
    },
    {
      "date": "2025-09-26",
      "type": "Proposal",
      "headline": "H.R. 5577 introduced",
      "detail": "A standalone extension bill was introduced to continue NFIP authority through September 30, 2026.",
      "sourceId": "hr-5577"
    },
    {
      "date": "2025-10-01",
      "type": "Lapse began",
      "headline": "NFIP authority lapsed",
      "detail": "CRS records that NFIP authority lapsed beginning October 1, 2025. The lapse continued through November 12, 2025.",
      "sourceId": "crs-in10835"
    },
    {
      "date": "2025-10-28",
      "type": "Proposal",
      "headline": "H.R. 5848 introduced",
      "detail": "The House proposal included an NFIP extension through December 31, 2026.",
      "sourceId": "hr-5848",
      "measureStatusAtReview": "Introduced; referred to committee"
    },
    {
      "date": "2025-11-12",
      "type": "Authority restored",
      "headline": "Public Law 119-37 restored NFIP authority",
      "detail": "The law ended the October-November lapse and extended NFIP authority through January 30, 2026.",
      "sourceId": "pl-119-37",
      "measureStatusAtReview": "Enacted; superseded by later law"
    },
    {
      "date": "2025-12-17",
      "type": "Committee action",
      "headline": "House committee ordered H.R. 5577 reported",
      "detail": "The House Financial Services Committee ordered the amended bill reported by a recorded vote of 53-0.",
      "sourceId": "hr-5577"
    },
    {
      "date": "2026-01-15",
      "type": "House action",
      "headline": "H.R. 5577 placed on the Union Calendar",
      "detail": "The bill was reported with an amendment and placed on the Union Calendar. This action did not itself enact the extension.",
      "sourceId": "hr-5577",
      "measureStatusAtReview": "Reported by committee; placed on Union Calendar"
    },
    {
      "date": "2026-01-30",
      "type": "Authorization endpoint",
      "headline": "Public Law 119-37 authority reached its endpoint",
      "detail": "The prior extension authorized NFIP through January 30, 2026. No later authority was yet enacted at the end of that period.",
      "sourceId": "crs-in10835"
    },
    {
      "date": "2026-02-01",
      "type": "Lapse began",
      "headline": "NFIP authority lapsed again",
      "detail": "CRS records a second lapse from February 1 through February 3, 2026.",
      "sourceId": "crs-in10835"
    },
    {
      "date": "2026-02-03",
      "type": "Authority restored",
      "headline": "Public Law 119-75 restored and extended NFIP authority",
      "detail": "Section 5004 restored authority after the February lapse and extended the program's financing and expiration authorities through September 30, 2026, effective as if enacted January 30, 2026.",
      "sourceId": "pl-119-75",
      "measureStatusAtReview": "Enacted"
    },
    {
      "date": "2026-02-06",
      "type": "Official analysis",
      "headline": "CRS updated its lapse analysis",
      "detail": "The Congressional Research Service documented both recent lapse periods, confirmed the September 30, 2026 deadline, and described the authorities affected if Congress does not act.",
      "sourceId": "crs-in10835"
    },
    {
      "date": "2026-09-30",
      "type": "Scheduled deadline",
      "headline": "Authorization recorded at review expires at the end of the day",
      "detail": "Unless Congress enacts another extension or changes the law, the authorities identified by Congress expire after September 30, 2026.",
      "sourceId": "crs-in10835"
    }
  ],
  "changeLog": [
    {
      "date": "2026-08-07",
      "summary": "Initial publication with the current authority, two recent lapse intervals, five manually selected House proposals, an official-source timeline, and a downloadable CSV."
    }
  ]
}