National Flood Insurance Program Clarification Act of 2026

This bill would modify how the Endangered Species Act applies to the National Flood Insurance Program by exempting certain flood insurance actions from endangered species protections. It directly affects the Federal Emergency Management Agency and property owners seeking flood insurance coverage, as well as wildlife agencies that currently review flood insurance decisions. The legislation requires the removal of existing biological opinions that evaluate the program's impact on endangered species and adds language to ensure flood management actions are designed solely for protecting property and human health. These changes would allow the National Flood Insurance Program to operate without the usual environmental review requirements that could delay or restrict flood insurance coverage in areas with endangered species.