Congress extends federal flood insurance two more years, avoiding coverage lapse.
H.R. 2123 — NFIP Extension Act of 2025 · Filed by Andrew Garbarino (R-NY) · 1 cosponsor · Introduced Mar 14, 2025 · Referred to committee
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What it does
This bill extends the National Flood Insurance Program (NFIP) by two years, moving its expiration date from September 30, 2023 to September 30, 2025. The extension covers both the program's financing authority and its operational authorization. If enacted after March 14, 2025, the extension is retroactively effective to that date, preventing a lapse in coverage.
Why we flagged it
This is a routine statutory reauthorization that extends an existing federal insurance program's authorization and financing by two years. It is procedural and non-controversial in structure.
What the text implies
- The retroactive effective date (March 14, 2025) suggests the bill may be addressing a lapse that occurred or was imminent on that date; if NFIP authorization expired before enactment, policyholders may have faced a coverage gap.
- The bill does not address underlying NFIP solvency issues (the program has historically carried debt); a two-year extension defers but does not resolve structural financing questions.
Section numbers refer to the bill text the analysis read — linked under Primary records below.
Who it affects
Ordinary citizens with flood insurance maintain continuous coverage and access to the federal backstop for catastrophic losses. A lapse would have forced policyholders into private market alternatives or left them uninsured, raising costs and reducing protection.
Named in the bill
National Flood Insurance Program (NFIP), National Flood Insurance Act of 1968, Section 1309(a), Section 1319, House Committee on Financial Services
Where it stands
1 cosponsor: 1 Republicans.
- Mar 14, 2025 — Introduced · Congress.gov: “Introduced in House”
- Mar 14, 2025 — Referred to House Committee on Financial Services · Congress.gov: “Referred to the House Committee on Financial Services”
Dates and quoted wording are Congress.gov's action record; the timeline shows status changes, not every procedural step.
Money around this bill
3 lobbying clients named this bill on 7 disclosure filings across 2 quarters, Dec 2025 to Jun 2026. Those filings disclosed $2,515,758 in lobbying spend. A filing names 68 bills on average, so that figure is what each filing reported, not a share belonging to this bill.
More lobbying clients named this bill than 61% of bills with at least one filing.
Andrew Garbarino, the sponsor, reported $1,954,500 in PAC receipts in the 2026 cycle.
- Reinsurance Assn of America — $1,100,000 on 3 filings
- National Association of Mutual Insurance Companies — $1,005,758 on 2 filings
- Independent Insurance Agents & Brokers of America — $410,000 on 2 filings
Lobbying Disclosure Act filings through Jul 23, 2026. A filing shows who paid to lobby on a bill it names, not what changed.
How this was measured
Analysis — Quorum's AI read the bill text published by Congress.gov (604 characters) on Aug 31, 2026. Section numbers in the findings refer to that text, linked below; transparency and hidden-provision scores are compared against the median of 16,222 analysed bills.
Status and sponsors — Congress.gov's bill record — actions, committee referrals and cosponsors — loaded nightly. The timeline shows status changes, not every procedural action.
Money — Senate Lobbying Disclosure Act filings whose specific-issue field names this bill for quarters ending Dec 2025 to Jun 2026. A filing's amount is reported whole beside the median number of bills a filing names; it is never divided across them. PAC receipts are FEC-reported contributions to the sponsor's candidate committee in the 2026 cycle.
As of — lobbying records through Jul 23, 2026 · page rendered 2026-10-20.
- H.R. 2123 on Congress.gov
- Actions and status history
- Cosponsors (1)
- Bill text the analysis read
- Reinsurance Assn of America — LDA filing, 2025 Q4
- National Association of Mutual Insurance Companies — LDA filing, 2026 Q2
- Independent Insurance Agents & Brokers of America — LDA filing, 2026 Q2
- Andrew Garbarino — FEC candidate receipts, 2026 cycle
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