Moskowitz Leads Effort to Extend National Flood Insurance Program and Deliver More Certainty to Florida Homeowners and Businesses

WASHINGTON, DC — With the National Flood Insurance Program (NFIP) facing imminent expiration, Congressman Jared Moskowitz (D-FL-23) is leading his colleagues to extend the program through December 31, 2026. The NFIP is currently set to expire at 11:59pm on September 30, 2025, but his bill would save it from expiration by extending the program through the end of 2026, significantly longer than typical, shorter-term extensions passed by Congress.

The bipartisan National Flood Insurance Program Authorization Extension Act is also led in the U.S. House by Reps. Troy Carter (D-LA-02), Cleo Fields (D-LA-06), Julia Letlow (R-LA-05), and Mike Ezell (R-MS-04) and in the U.S. Senate by Sens. Bill Cassidy (R-LA) and John Kennedy (R-LA).

“With hurricane season around the corner, Florida homeowners and businesses deserve certainty that the flood insurance policies they’ve paid into will be there when disaster strikes,” said Congressman Moskowitz. “The NFIP needs reform to lower costs for policyholders and be kept solvent, but it’s too important to let lapse. As Congress works towards long-term solutions that’ll save the NFIP, I’m urging my colleagues to join us in extending this lifeline and delivering our communities the security they’re counting on.”

Managed by the Federal Emergency Management Agency (FEMA), the NFIP provides flood insurance to homeowners and businesses to reduce the financial impact of flooding. It helps protect residents from devastating financial losses due to flood damage, encourages responsible development in flood-prone areas, and supports rebuilding efforts after disasters.

More than five million policyholders—including more than 1.7 million in Florida—look to the NFIP as a lifeline for recovering and rebuilding after disaster. Failing to reauthorize the NFIP could delay claims payments and create market instability. It also means that new policies could not be issued, existing policies could not be renewed, and real estate transactions in flood-prone areas could stall. With Congress having passed 33 short-term authorization extensions over the past decade alone, the NFIP Authorization Extension Act would secure the NFIP for significantly longer than other recent efforts.

Moskowitz has long advocated for reforms to the insurance market that will lower the high costs Floridians face. Last Congress, he introduced legislation to help stabilize the insurance market and lower costs for homeowners by allowing the federal government to guarantee part of the insurance cost for homeowners when disaster strikes. Earlier this Congress, he introduced bipartisan legislation to allow homeowners to set up tax-free “READY” accounts for disaster preparedness.

Before entering Congress, Moskowitz served as Florida’s Director of Emergency Management from 2019-2021. In this role, Moskowitz oversaw disaster response and recovery for the DeSantis Administration for major events like the COVID-19 pandemic and the Category 5 Hurricane Michael.

Since coming to Congress, Moskowitz has been a leading voice for fully funding FEMA, keeping emergency response nonpartisan, and enacting commonsense reforms to bolster federal emergency management, like his bipartisan FEMA Independence Act to remove FEMA from the Department of Homeland Security and reinstate it as an independent Cabinet agency reporting directly to the President. He has served as co-chair of the Bipartisan Congressional Disaster Preparedness and Recovery Caucus.

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