Congress extends federal flood insurance through 2026, no changes to coverage.
S. 1015 — A bill to extend the National Flood Insurance Program through December 31, 2026. · Filed by Bill Cassidy (R-LA) · 2 cosponsors · Introduced Mar 13, 2025 · Referred to committee
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What it does
This bill extends the National Flood Insurance Program (NFIP), a federal program that provides flood insurance to property owners, from its current expiration date of September 30, 2023, to December 31, 2026. The extension applies to both the program's financing mechanism and its overall authorization, giving Congress and the insurance industry three additional years to operate under the current framework.
Why we flagged it
This is a straightforward statutory amendment that extends an existing federal insurance program's authorization and financing authority by three years. It is routine legislative housekeeping, not a policy change.
What the text implies
- The extension does not address underlying NFIP solvency issues (the program has historically run deficits and borrowed from the Treasury); a three-year extension defers but does not resolve structural funding questions.
- No changes to premium-setting, coverage limits, or claims procedures are made by this bill; any rate or coverage disputes remain governed by existing NFIP rules and prior legislative action.
- The extension preserves the current federal backstop for private insurers and reinsurers who rely on NFIP as a floor; private market alternatives are not expanded or constrained by this bill.
Section numbers refer to the bill text the analysis read — linked under Primary records below.
Who it affects
Homeowners and property owners in flood-prone areas retain continuous access to the federal flood insurance backstop without coverage gaps or forced market-rate alternatives. The extension itself imposes no new costs or restrictions on citizens; it preserves the status quo.
Who stands to gain
- property owners in flood-prone areas (access to subsidized federal insurance)
- private insurers and reinsurers (continued NFIP partnership and risk-sharing framework)
Named in the bill
National Flood Insurance Program (NFIP), National Flood Insurance Act of 1968, Section 1309(a), Section 1319, Senate Committee on Banking, Housing, and Urban Affairs
Where it stands
2 cosponsors: 2 Republicans.
- Mar 13, 2025 — Introduced · Congress.gov: “Introduced in Senate”
- Mar 13, 2025 — Referred to Senate Committee on Banking, Housing, and Urban Affairs · Congress.gov: “Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.”
Dates and quoted wording are Congress.gov's action record; the timeline shows status changes, not every procedural step.
Money around this bill
2 lobbying clients named this bill on 3 disclosure filings across 1 quarter, Jun 2026 to Jun 2026. Those filings disclosed $1,930,000 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 41% of bills with at least one filing.
Bill Cassidy, the sponsor, reported $1,329,254 in PAC receipts in the 2026 cycle.
- Mortgage Bankers Association — $1,220,000 on 1 filing
- Reinsurance Assn of America — $710,000 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 (375 characters) on Jul 2, 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 Jun 2026 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.
“Congress extends federal flood insurance through 2026, no changes to coverage.” QuorumCivic. https://share.quorumcivic.app/bill/119/s1015 Report an error
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