November 13, 2025 - Statement Regarding NFIP Reauthorization Through January 30, 2026

November 13, 2025

Statement Regarding NFIP Reauthorization Through Jan. 30, 2026

Yesterday, the House passed H.R. 5731 ending the 43-day shutdown of the federal government, during which the National Flood Insurance Program (NFIP) was lapsed. The NFIP is now reauthorized until Jan. 30, 2026.

The bill reauthorizes NFIP retroactively, backdated to Oct. 1, 2025. According to NFIP Bulletin W-24020, NFIP insurers can issue policies effective as of the date they receive the application and all amounts due (subject to applicable waiting periods), and any claims for covered losses that occurred during the expiration can be processed and paid (subject to provisions of the Standard Flood Insurance Policy).

About the Louisiana Department of Insurance: The Louisiana Department of Insurance works to improve competition in the state's insurance market while assisting individuals and businesses with the information and resources they need to be informed consumers of insurance. As a regulator, the LDI enforces the laws that provide a fair and stable marketplace and makes certain that insurers comply with the laws in place to protect policyholders. You can contact the LDI by downloading our LDIConnect mobile app on the Apple App Store or Google Play Store, calling us at 800-259-5300 or visiting https://www.ldi.la.gov.