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Read. Follow. Verify.National Flood Insurance Program Reauthorization and Reform Act of 2025
Last action · September 19, 2025: Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.
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What This Bill Would Do
This bill proposes to reauthorize and reform the National Flood Insurance Program to manage federal flood coverage and disaster mitigation efforts. It establishes new legislative frameworks for the program's operations and financial sustainability.
The bill determines the future availability and cost of federally backed flood insurance for millions of homeowners in high-risk flood zones across the United States.
- The National Flood Insurance Program is a federal program created by Congress to mitigate the impact of flooding on private and public structures. context
Who It Would Affect
Groups the bill's text would affect if enacted, as described in the record. Being affected is not a position for or against it.
National Flood Insurance Program
The program is subject to reauthorization and potential structural reforms under this bill.
Homeowners in flood-prone areas
The bill impacts the future availability and terms of their federally backed flood insurance coverage.
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Frequently Asked Questions
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News Coverage
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Votes, people, money & the original sourceWhere This Stands
Currently in committee. The next step in the legislative lifecycle is Floor Vote.
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
1607 STRATEGIES, LLC
on behalf of Assurant, Inc.
2026
“Issues relating to the reauthorization of the National Flood Insurance Program, other issues related to flood insurance products and government-sponsored enterprise reform.”
1607 STRATEGIES, LLC
on behalf of Assurant, Inc.
2026
“Issues relating to the reauthorization of the National Flood Insurance Program, other issues related to flood insurance products and government-sponsored enterprise reform.”
1607 STRATEGIES, LLC
on behalf of Assurant, Inc.
2025
“Issues relating to the reauthorization of the National Flood Insurance Program, other issues related to flood insurance products and government-sponsored enterprise reform.”
1607 STRATEGIES, LLC
on behalf of Assurant, Inc.
2025
“Issues relating to the reauthorization of the National Flood Insurance Program, other issues related to flood insurance products and government-sponsored enterprise reform.”
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
NFIP Reauthorization Cycle
The bill initiates the legislative cycle for the 2025 reauthorization of the National Flood Insurance Program.
Connected Entities
Sources
www.congress.gov
Analysis Score
0–100- Significance85How much this matters to a regular citizen
- Controversy40Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz30Current news / social attention level
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