National Flood Insurance Program is set to expire with government shutdown, halting new policies and some home loans

National Flood Insurance Program is set to expire with government shutdown, halting new policies and some home loans Nation Sep 30, 2025 3:59 PM EDT

Authorization for the largest residential flood insurance program in the U.S. is set to expire Tuesday, leaving homeowners unable to access new coverage and potentially wreaking havoc on home sales in flood-prone areas.

Millions of policyholders rely on the National Flood Insurance Program to secure flood coverage that is rarely part of standard homeowners policies and is required for mortgages in areas deemed high-risk. If Congress is unable to pass a spending bill before midnight Tuesday, the NFIP, like much of the federal government, will freeze.

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