Pass a Long-Term Flood Insurance Reauthorization

The flood insurance program expires December 11, 2026 after years of short-term patches.

A letter to your members of Congress. Facts checked September 29, 2026.

The Letter

Subject Pass a Long-Term Flood Insurance Reauthorization

Families who buy flood insurance should be able to count on it still existing next year. Right now they can't.

The National Flood Insurance Program has run on a string of short-term extensions since its authorization ran out in 2017. The latest one, signed September 2, 2026, keeps it going only until December 11, 2026. If Congress lets it lapse, FEMA keeps paying claims on existing policies but stops selling and renewing them. The National Association of Realtors estimates a lapse would stall about 1,300 home sales a day, roughly 40,000 closings a month, because so many mortgages require flood coverage.

The gap between flood risk and flood coverage is already dangerous. After the July 2025 Hill Country floods, 3,204 households in Kerr County, Texas registered for FEMA disaster aid. FEMA's records show only 474 flood insurance policies in force in the county on the day the river rose.

Every short-term patch leaves homeowners, lenders and local governments guessing about the next deadline. A multi-year reauthorization would let families plan, and it would give Congress room to keep coverage affordable for working families.

Please pass a long-term reauthorization of the National Flood Insurance Program before December 11, with protections that keep coverage affordable.

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Call Your Representative

U.S. Capitol switchboard: (202) 224-3121

I'm calling about the National Flood Insurance Program, which expires December 11 unless Congress acts again.
It has run on short-term extensions since 2017. If it lapses, FEMA stops selling and renewing policies, and Realtors estimate about 40,000 home closings a month would stall.
After the 2025 Hill Country floods, 3,204 Kerr County households asked FEMA for help, but only 474 policies were in force there.
I'm asking you to pass a long-term reauthorization with affordability protections, not another short-term patch.

Calls get logged by topic. Volume drives the briefing.

The Facts Behind the Ask

December 11, 2026 When the flood insurance program's authority expires under the extension signed September 2, 2026 (source)
40,000 Home closings a month that the National Association of Realtors estimates a lapse would stall (source)
474 vs. 3,204 Flood insurance policies in force in Kerr County, Texas on July 4, 2025, against households that registered for FEMA aid after the flood (OpenFEMA) (source)
Since 2017 The program has been kept alive by short-term extensions (source)

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