Federal flood insurance program runs out on December 12 unless Congress extends it
The National Flood Insurance Program (NFIP), which writes most residential flood policies in the US, is authorized only until midnight on December 12, 2026. The latest short-term extension was signed in early September 2026. Congress has relied on short extensions for years: the Congressional Research Service counts dozens since 2017.
Why it matters to homeowners
When the NFIP’s authority lapsed during the 2025 government shutdown, the program could not sell new federal flood policies or renew existing ones until Congress acted. Home sales in flood zones that need a policy to close can stall during a lapse.
What to do now
- Closing on a home in a flood zone in December? Ask your agent to bind the flood policy well before December 12.
- Policy renewing in mid-December? Pay the renewal early so it is processed before the deadline.
- Remember the waiting period. A new NFIP policy normally takes effect 30 days after purchase. The main exception is a policy bought as part of a mortgage closing, which can start immediately.
- Compare private flood insurance. Private insurers are not affected by NFIP lapses and in some areas cost less, though coverage terms differ.
We will update this note when Congress acts. For the basics, read our guide to homeowners and renters insurance.
