National Flood Insurance Program Automatic Extension Act of 2025

This bill aims to prevent lapses in the National Flood Insurance Program (NFIP) by establishing an automatic contingent extension mechanism. It amends the National Flood Insurance Act of 1968 to ensure the program's continuity, particularly when Congress fails to reauthorize it before its scheduled expiration. Under this proposed amendment, critical NFIP authorities would be automatically extended until the last day of the fiscal year following the program's termination date. These authorities include the ability to enter into, issue, or renew contracts for flood insurance , continue existing coverage, pay claims, and perform all related administrative and operational functions necessary to operate the program. This automatic extension would only be superseded if a new law is enacted to further extend or repeal the program before its termination. During any period of automatic extension, the bill specifies that all existing dollar amounts, rates, terms, and conditions, including limitations on obligations and funding availability, would remain in effect at the levels present on the day before the termination date. However, the extension would not apply to pilot programs, studies, or other initiatives with explicit statutory sunset dates. The bill also clarifies that it does not impair any flood insurance contracts already in effect and is designed to take effect retroactively as of September 30, 2025.