Extends the National Flood Insurance Program (NFIP) and its financing authority through December 31, 2026. If enacted after September 30, 2025, it applies as if it took effect on September 30, 2025.
Modern Action explains what the legislation does, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.
NFIP Retroactive Renewal and Reauthorization Act is a House bill in committee. The latest recorded action: Referred to the House Committee on Financial Services.
Latest action on H.R. 5848: Referred to the House Committee on Financial Services.
Who this affects: This mainly affects people and organizations that depend on NFIP policies being continuously available. That includes property owners and renters in flood-prone areas, lenders that require flood insurance for certain mortgages, and communities and businesses that see real estate transactions slow down when NFIP authority is uncertain.
Why this matters: In many flood-prone areas, NFIP is the main practical way to get flood insurance, and some mortgages require it. When NFIP authority is close to expiring, people can face delays or uncertainty in buying, selling, or refinancing property because insurance may be harder to place or renew. By extending NFIP through 2026 and making the extension retroactive to September 30, 2025 if enacted late, the bill aims to keep coverage and program operations treated as uninterrupted—without addressing bigger debates about NFIP’s long-term finances or flood-risk policy.
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Officially: NFIP Retroactive Renewal and Reauthorization Act
Extends the National Flood Insurance Program (NFIP) and its financing authority through December 31, 2026. If enacted after September 30, 2025, it applies as if it took effect on September 30, 2025.
Use this page to support, oppose, or ask Congress to amend HR5848. Modern Action explains what the bill does, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
Sitting in House Committee
No vote scheduled. Constituent contact is what moves bills out of committee.
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The debate
Where this bill is in the process
Introduced
Introduced in House
House Committee
Under House committee consideration
Latest: Referred to the House Committee on Financial Services. (10/28/2025)
House Floor Vote
Voted on by House
Passed House
Approved by House
Senate Review
Sent to Senate for consideration
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
For more detail
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This page gives you an opportunity to support, oppose, or ask for changes to NFIP Retroactive Renewal and Reauthorization Act, then contact the elected officials who can act. Modern Action drafts the message from your position and the reasons you select.
Modern Action keeps the action tied to the bill itself: what it does, where it is in the process (committee), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around HR5848, your stance, and the reasons you choose, then lets you edit and send when ready.
