US HB5577

Extends the National Flood Insurance Program (NFIP) authorization from September 30, 2023 to September 30, 2026, providing a 3-year reauthorization

Amends Section 1309(a) of the National Flood Insurance Act of 1968 to extend the program's financing authority through the new expiration date

Amends Section 1319 of the National Flood Insurance Act of 1968 to extend the program's operational authority through September 30, 2026

Includes a retroactive effective date provision: if enacted after January 30, 2026, the amendments take effect as if enacted on January 30, 2026, ensuring no lapse in program authority

Introduced by Rep. Garbarino on September 26, 2025, with bipartisan cosponsors including Representatives Carter (GA), Van Drew, Lawler, Moskowitz, LaLota, and Gottheimer