The Congressional Reauthorization for the National Flood Insurance Program webpage reminds us that at 11:59 p.m. on September 30, 2025, the National Flood Insurance Program will expire. While FEMA is confident Washington will vote to reauthorize the NFIP, if a lapse were to occur, it would not impact policies already in effect. This begs the question, “What do we do if that happens?”
If there is a disruption to the NFIP, we should be prepared as best possible. If the NFIP was to lapse, FEMA in the past has indicated it will continue to honor claims under existing NFIP policies until funds are depleted (FEMA’s borrowing authority from the U.S. Treasury would shrink from just over $30 billion to just $1 billion, drastically limiting its ability to pay claims); however, it will not be able renew or issue new policies.
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