Policy tracker · dated 2026 snapshot
NFIP Reauthorization Tracker: 2026 Status Snapshot
At the October 7, 2026 source review, the National Flood Insurance Program was authorized through December 11, 2026. Public Law 119-103 had enacted that extension. At that review, 65 calendar days remained. H.R. 5484, the longer-term reform proposal tracked below, was listed as introduced; referred to subcommittee at its separate August 6, 2026 review. Proposal statuses were not rechecked during this authority update.
Published · Updated
Enacted authority reviewed · Latest cited source event · This is a dated research tracker, not a real-time legislative feed.
- Status at source review
- Authorized
- As of October 7, 2026 under Public Law 119-103
- Endpoint recorded at review
- The enacted statutory endpoint then in force
- Days remaining at review
- 65
- Measured on October 7, 2026, not today
- Long-term bill at its earlier review
- Introduced; referred to subcommittee
- H.R. 5484 · August 6, 2026
Controlling authority
What the law said at the review
Public Law 119-103 was enacted on September 2, 2026. Section 139(a) extends NFIP financing and program-expiration authorities to the date specified in section 106(3): December 11, 2026. This superseded the September 30 endpoint recorded in the prior review.
At the review date, NFIP was not in a lapse. A bill’s introduction, committee vote, or calendar placement does not change the program’s authority unless legislation is enacted. Read the signed law record or jump to the tracking method.
Dated record
NFIP authorization timeline
The final row is a scheduled statutory deadline, not a completed event. Earlier rows include both proposal actions and the two recent lapse-and-restoration intervals documented in the cited official records. The former deadline remains in the record and is explicitly marked superseded; it does not indicate a lapse.
| Date | Type | Event | What changed | Source |
|---|---|---|---|---|
| Proposal | H.R. 2822 introduced | The House proposal was introduced to extend NFIP authority through December 31, 2026. | Congress.gov | |
| Proposal | H.R. 5484 introduced | The long-term reauthorization and reform proposal was introduced in the House. Its text would extend NFIP authority through September 30, 2030. | Congress.gov | |
| Referral | H.R. 5484 referred to subcommittee | The latest action listed on the official bill page is referral to the House Transportation and Infrastructure subcommittee. | Congress.gov | |
| Proposal | H.R. 5574 introduced and referred | The House proposal was introduced and referred to the Financial Services Committee with a November 21, 2025 NFIP endpoint. | Congress.gov | |
| Proposal | H.R. 5577 introduced | A standalone extension bill was introduced to continue NFIP authority through September 30, 2026. | Congress.gov | |
| Lapse began | NFIP authority lapsed | CRS records that NFIP authority lapsed beginning October 1, 2025. The lapse continued through November 12, 2025. | Congressional Research Service | |
| Proposal | H.R. 5848 introduced | The House proposal included an NFIP extension through December 31, 2026. | Congress.gov | |
| Authority restored | Public Law 119-37 restored NFIP authority | The law ended the October-November lapse and extended NFIP authority through January 30, 2026. | U.S. Government Publishing Office | |
| Committee action | House committee ordered H.R. 5577 reported | The House Financial Services Committee ordered the amended bill reported by a recorded vote of 53-0. | Congress.gov | |
| House action | H.R. 5577 placed on the Union Calendar | The bill was reported with an amendment and placed on the Union Calendar. This action did not itself enact the extension. | Congress.gov | |
| Authorization endpoint | Public Law 119-37 authority reached its endpoint | The prior extension authorized NFIP through January 30, 2026. No later authority was yet enacted at the end of that period. | Congressional Research Service | |
| Lapse began | NFIP authority lapsed again | CRS records a second lapse from February 1 through February 3, 2026. | Congressional Research Service | |
| Authority restored | Public Law 119-75 restored and extended NFIP authority | 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. | U.S. Government Publishing Office | |
| Official analysis | CRS updated its lapse analysis | 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. | Congressional Research Service | |
| Authority extended | Public Law 119-103 extended NFIP authority | Public Law 119-103 was enacted on September 2, 2026. Section 139(a) extends NFIP financing and program-expiration authorities to the date specified in section 106(3): December 11, 2026. This superseded the September 30 endpoint recorded in the prior review. | U.S. Government Publishing Office | |
| Superseded scheduled deadline | Authorization recorded at review expires at the end of the day | Superseded before this date by Public Law 119-103. No lapse is implied. Earlier scheduled wording: Unless Congress enacts another extension or changes the law, the authorities identified by Congress expire after September 30, 2026. | Congressional Research Service | |
| Scheduled deadline | Authorization recorded at the October authority review reaches its endpoint | Unless Congress enacts another extension or changes the law, the NFIP authorities addressed by section 139(a) reach the December 11, 2026 endpoint specified in section 106(3). | U.S. Government Publishing Office |
Law versus proposals
Which NFIP bill controls?
Only the enacted public law below supplied authority at the review. The table also shows prior laws and five manually selected House measures with a named NFIP endpoint. Each status carries its own source review date; House proposals retain their August 6, 2026 review. Proposed endpoints describe bill text, not a forecast or an effective date.
| Measure | Role | Official status at review | Latest listed action | Endpoint in text | Meaning |
|---|---|---|---|---|---|
| Public Law 119-103 | Law controlling at current authority review | Enacted Reviewed | Sections 139(a) and 106(3) extend the NFIP financing and program-expiration authorities through December 11, 2026. | ||
| Public Law 119-75 | Prior law controlling at August 6 review | Enacted Reviewed | The extension controlling at the August 6, 2026 review. Section 5004 authorized the program through September 30, 2026. | ||
| Public Law 119-37 | Prior enacted extension | Enacted; superseded by later law Reviewed | Restored authority after the October-November 2025 lapse and extended it through January 30, 2026. It was later superseded by Public Law 119-75. | ||
| H.R. 2822 | Standalone extension proposal | Introduced; referred to committee Reviewed | Would have extended NFIP authority through December 31, 2026. It was not the law controlling at the August 6, 2026 review. | ||
| H.R. 5484 | Long-term reform proposal | Introduced; referred to subcommittee Reviewed | 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. | ||
| H.R. 5574 | Standalone short extension | Introduced; referred to committee Reviewed | Would have extended NFIP authority through November 21, 2025. It was not the law controlling at the August 6, 2026 review. | ||
| H.R. 5577 | Standalone short extension | Reported by committee; placed on Union Calendar Reviewed | Proposed the same September 30, 2026 endpoint. The operative extension was enacted separately in Public Law 119-75. | ||
| H.R. 5848 | Retroactive renewal and extension proposal | Introduced; referred to committee Reviewed | 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. |
Historical record
Recent NFIP authorization lapses
These are completed historical intervals recorded by CRS, not the status at the October 7, 2026 authority review.
| Lapse began | Authority restored | Restoring law | Official record |
|---|---|---|---|
| Public Law 119-37 | 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. | ||
| Public Law 119-75 | 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. |
Scenario, not snapshot status
What a lapse would change
According to the Congressional Research Service, if Congress does not reauthorize or amend the affected authorities by the deadline:
- NFIP’s authority to provide new flood-insurance contracts would expire.
- Contracts entered into before expiration would continue until the end of their one-year policy term.
- NFIP borrowing authority would fall from $30.425 billion to $1 billion.
- Other program activities would technically remain authorized, but CRS says expiration of the key authorities could still have significant effects on them.
These are CRS’s program-level consequences, not advice about a specific closing, renewal, claim, lender requirement, or policy.
Methodology
How this tracker is maintained
- Authority hierarchy: enacted law controls; committee and bill pages describe proposals and actions only.
- Event dates: dates reproduce the action or update date on the linked official source, rather than the date a news story discussed it.
- Freshness: the source-review date and latest cited source-event date are shown separately. No live status is inferred after the displayed review date.
- Proposal scope: the comparison manually selected H.R. 2822, H.R. 5484, H.R. 5574, H.R. 5577, and H.R. 5848 from the reviewed 119th Congress records because each states a named NFIP authorization endpoint. This is not an exhaustive bill inventory; it excludes amendments, Senate measures, appropriations vehicles without a named endpoint, and proposals introduced after theAugust 6, 2026 proposal review.
- No prediction: the tracker does not estimate the probability, timing, or terms of future congressional action.
Publication record
Published, updated, and changed
- Published
- Last updated
Append-only changelog
- : Initial publication with the current authority, two recent lapse intervals, five manually selected House proposals, an official-source timeline, and a downloadable CSV.
- : Updated enacted authority using Public Law 119-103, enacted September 2, 2026, with a December 11, 2026 endpoint. The prior September deadline is retained and explicitly marked superseded. Unrechecked proposal sources retain their August 6 retrieval dates and historical statuses. The prior snapshot is preserved verbatim for historical reference. Download the August 6, 2026 snapshot.
Primary sources
Official records used
- Public Law 119-37U.S. Government Publishing Office · source event · retrieved
Operative law that restored NFIP authority after the October 2025 lapse and extended it through January 30, 2026.
- Public Law 119-75, section 5004U.S. Government Publishing Office · source event · retrieved
Operative law extending NFIP financing and program-expiration authorities through September 30, 2026.
- What Happens If the National Flood Insurance Program (NFIP) Lapses?Congressional Research Service · source event · retrieved
Official congressional analysis of the October-November 2025 and February 2026 lapses, the September 30, 2026 deadline, and the authorities affected by a lapse.
- H.R. 2822 — To extend the National Flood Insurance Program through December 31, 2026Congress.gov · source event · retrieved
Official status and actions page for a House proposal to extend NFIP authority through December 31, 2026.
- H.R. 5484 — National Flood Insurance Program Reauthorization and Reform Act of 2025Congress.gov · source event · retrieved
Official status and actions page for the pending long-term reform proposal.
- H.R. 5574 — To extend the National Flood Insurance Program through November 21, 2025Congress.gov · source event · retrieved
Official status and actions page for a House proposal to extend NFIP authority through November 21, 2025.
- H.R. 5577 — NFIP Extension Act of 2026Congress.gov · source event · retrieved
Official status and actions page for the separately reported short-term extension bill.
- H.R. 5848 — NFIP Retroactive Renewal and Reauthorization ActCongress.gov · source event · retrieved
Official status and actions page for a House proposal that included an NFIP extension through December 31, 2026.
- Public Law 119-103, sections 139(a) and 106(3)U.S. Government Publishing Office · source event · retrieved
Enacted law. Section 139(a) replaces the prior September 30 endpoint in NFIP financing and expiration provisions with the date in section 106(3), December 11, 2026.
Direct answers
NFIP reauthorization snapshot FAQ
Was the NFIP authorized at the October 7, 2026 review?
Yes. At that review, Public Law 119-103 authorized the program through December 11, 2026. This is a dated snapshot, not a claim about the program after the review date.
What would happen if NFIP authorization lapsed?
CRS says the authority to provide new flood-insurance contracts would expire, while contracts entered into before expiration would continue through their one-year policy term. NFIP borrowing authority would fall from $30.425 billion to $1 billion. Other program activities would technically remain authorized, but CRS warns that the expired authorities could affect them.
What was the status of H.R. 5484 at its August 6, 2026 review?
At its August 6, 2026 review, no long-term extension was represented as enacted. This proposal was not rechecked during the later authority update. The official H.R. 5484 record showed “Introduced; referred to subcommittee,” with its latest listed action dated September 19, 2025. Its proposed September 30, 2030 endpoint was not the law controlling at that review.
Did H.R. 5577 enact the extension captured in this snapshot?
At its August 6, 2026 review, H.R. 5577 had been reported by committee and placed on the Union Calendar. The September 30, 2026 extension was enacted separately as section 5004 of Public Law 119-75. The later Public Law 119-103 controls the endpoint shown in this authority update; no new status of H.R. 5577 is inferred.
Had NFIP authority lapsed before this snapshot?
Yes. CRS records two recent lapse periods: October 1, 2025 through November 12, 2025, February 1, 2026 through February 3, 2026. Each historical interval and the law that restored authority are listed in the tracker.
Cite this tracker
Keep the source-event date and source-review date attached so a dated status is not presented as live.
“NFIP Reauthorization Tracker: 2026 Status.” Out of the Storm News. Published August 7, 2026; updated October 7, 2026. Status based on official source events through September 2, 2026; enacted authority reviewed October 7, 2026; proposal records reviewed August 6, 2026. https://outofthestormnews.com/data/nfip-reauthorization-tracker