NFIP Retroactive Renewal and Reauthorization Act

This bill extends the National Flood Insurance Program (NFIP) through December 31, 2026, by amending key deadlines in the law. It directly affects homeowners and property owners in flood-prone areas who rely on NFIP insurance policies. The bill changes the program's funding expiration date from September 30, 2023, to December 31, 2026, and adds a retroactive provision ensuring the extension applies as if effective September 30, 2025, if enacted after that date. This provides continued access to federally backed flood insurance without immediate disruption.