A new bipartisan bill is seeking to retroactively restore coverage from the National Flood Insurance Program (NFIP) that was lost during the government shutdown.
Reps. Troy A. Carter, Sr. (D-LA) and Mike Ezell (R-MS) introduced H.R. 5848, the NFIP Retroactive Renewal and Reauthorization Act, which will backdate reauthorization of the program to Sept. 30, 2025, while extending the program’s authorization until Dec. 31, 2026.
According to the congressmen, the bill will ensure that policyholders who plan to renew are not punished due to the lapse in NFIP reauthorization during the government shutdown, when NFIP’s congressional authorization lapsed and no new flood insurance policies were issued or renewed. The lawmakers added the legislation is needed because policyholders could face partial-risk assessments and higher rates without the retroactive extension, while the lapse in coverage creates a new risk of flood losses during the uninsured period.
“The lapse of the National Flood Insurance Program isn’t a partisan problem — it’s a people problem,” said Carter. “Families shouldn’t lose their coverage or face higher premiums because of political gridlock. The NFIP Retroactive Renewal and Reauthorization Act is about fairness and stability. No family should lose coverage—or be forced to pay higher premiums—because of a political stalemate in Washington. My bill restores flood insurance retroactively and ensures homeowners and businesses have protection when they need it most.”
“This shutdown is hurting real people – and coastal families are feeling it first,” Ezell said. “My bill will fix that by restoring coverage retroactively and protecting families from the fallout of this political dysfunction. Mississippians shouldn’t lose their insurance or face higher costs because of a political stalemate in Washington. It’s time to reopen the government, restore flood coverage, and deliver the certainty our coastal communities deserve.”
There is currently no companion bill for this legislation in the Senate.
The democrats caused the Country and a lot of taxpayers a lot of problems.
All for nothing.
As did the Republicants’
Len.
The Republicans caused nothing. The shutdown was all on the Democrats who seized the opportunity to attempt to force the replacement the pork spending that had just been removed by Congress. Unfortunately they were successful with some of it.
Why should the taxpayers bailout people who chose to live in flood zones? Let the free market work. If you choose to live on or near the water you should pay the cost and not expect others to do so for you.