SEC. 2. CONTINGENT EXTENSION OF THE NATIONAL FLOOD 
INSURANCE PROGRAM. 
Section 1319 of the National Flood Insurance Act of 
1968 (42 U.S.C. 4026) is amended to read as follows: 
‘‘SEC. 1319. PROGRAM EXPIRATION AND CONTINGENT EX-
TENSION. 
‘‘(a) DEFINITIONS.—In this section: 
‘‘(1) TERMINAL FISCAL YEAR.—The term ‘ter-
minal fiscal year’ means the fiscal year in which the 
termination date occurs. 
‘‘(2) TERMINATION
DATE.—The term ‘termi-
nation date’ means the later of— 
‘‘(A) the date described in subsection (b); 
or 
‘‘(B) the date that is deemed to apply in 
lieu of the date described in subsection (b) by 
the operation of any other Act. 
‘‘(b) EXPIRATION.—No new contract for flood insur-
ance under this title shall be entered into after September 
30, 2023. 
‘‘(c) AUTOMATIC EXTENSION.— 
‘‘(1) IN GENERAL.—The authorities described 
in paragraph (2) shall be automatically extended 
until the last day of the fiscal year following the ter-
minal fiscal year, unless, before the termination 
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date, a duly enacted law of the United States ex-
tends or repeals such an authority. 
‘‘(2) AUTHORITIES DESCRIBED.—The authori-
ties described in this paragraph are authorities 
under this title for the Administrator to do the fol-
lowing: 
‘‘(A) Enter into, issue, or renew contracts 
for flood insurance. 
‘‘(B) Continue in force existing flood insur-
ance coverage. 
‘‘(C) Pay claims, service policies (including 
through participating insurers), and carry out 
related administrative and operational func-
tions. 
‘‘(D) Otherwise operate the National Flood 
Insurance Program. 
‘‘(d) TERMS
AND LIMITATIONS DURING EXTEN-
SION.— 
‘‘(1) IN GENERAL.—Any limitation on the au-
thority of the Administrator under this title that is 
tied to a specific calendar date, including any limita-
tion on the aggregate amount of notes or other obli-
gations that may be issued under section 1309, 
shall, during a period of automatic extension under 
subsection (c), apply at the same dollar amounts, 
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rates, terms, and conditions that were in effect, as 
of the day before the termination date. 
‘‘(2) FUNDING AVAILABILITY.—Any authoriza-
tion of appropriations or other funding availability 
under this title that would otherwise expire on the 
termination date shall, during a period of automatic 
extension under subsection (c), be available at the 
same level and under the same terms and conditions 
that were in effect, as of the day before the termi-
nation date. 
‘‘(e) EXPLICIT
STATUTORY
SUNSETS
NOT
EX-
TENDED.—Subsection (c) may not be construed to extend 
to any pilot program, demonstration program, study, task 
force, commission, council, or committee under this title 
that is expressly required by statute to terminate on a spe-
cific calendar date, notwithstanding any other provision 
of law. 
‘‘(f) RULE OF CONSTRUCTION.—Nothing in this sec-
tion may be construed to impair any flood insurance con-
tract lawfully in effect, as of the day before the date of 
enactment of this section, or the obligation of the United 
States with respect to any such contract. 
‘‘(g) RETROACTIVE EFFECTIVE DATE.—This section 
shall take effect as if enacted on September 30, 2025.’’. 
Æ 
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