# NFIP Extension through 2023 Act

This bill extends the National Flood Insurance Program (NFIP) through 2023. The NFIP is the federal government's flood insurance system that provides coverage to property owners in areas where private insurance companies won't offer flood protection. Without this extension, the program would have expired, leaving millions of Americans without access to affordable flood insurance.

If you own property in a flood-prone area or live in a community that participates in the NFIP, this bill matters to you. Many homeowners are required to carry flood insurance if they have a mortgage on a property in a designated flood zone, and the NFIP is often the only affordable option available. When the program expires, property owners face a coverage gap—they either lose their insurance entirely or have to find private alternatives that are typically much more expensive. This extension keeps the program running and ensures that people can continue to maintain the flood insurance coverage they need, whether it's required by their lender or chosen for protection.

The bill is essentially a continuation measure that prevents a lapse in the program. It doesn't make major changes to how flood insurance works or how much people pay; it simply keeps the existing system operational past its expiration date. For homeowners and renters in flood-prone areas, this means stability and continued access to the insurance protection they depend on.

NFIP Extension through 2023 Act

Kennedy, John

NFIP Extension through 2023 ActThis bill reauthorizes the National Flood Insurance Program through December 31, 2023.