National Flood Insurance Program Automatic Extension Act of 2025

This bill, titled the National Flood Insurance Program Automatic Extension Act of 2025, amends the National Flood Insurance Act of 1968 to prevent lapses in the program's operation. It introduces a new section that establishes an automatic contingent extension for the National Flood Insurance Program (NFIP) authorities. The primary goal is to ensure continuous flood insurance coverage and program functionality even if Congress does not act to reauthorize it by its scheduled termination date. Specifically, the bill mandates that if the NFIP's authorities are set to expire, they will be automatically extended until the last day of the fiscal year following the program's terminal fiscal year. This extension covers critical functions such as the Administrator's ability to enter into, issue, or renew flood insurance contracts, continue existing coverage, and pay claims. It also ensures that related administrative and operational functions necessary to operate the NFIP can proceed without interruption. During such an extension, any existing limitations on authority, including debt ceilings, and funding levels will remain in effect at the same terms as the day before the termination date. However, this automatic extension does not apply to pilot programs or studies with their own explicit statutory sunset dates.