Louisiana Department of Insurance

10/01/2025 | Press release | Distributed by Public on 10/01/2025 10:36

October 1, 2025 - Congress Did Not Reauthorize the National Flood Insurance Program - Here's What NFIP Policyholders Need to Know September 24, 2025 - Commissioner Temple[...]

FOR IMMEDIATE RELEASE

October 1, 2025

Congress Did Not Reauthorize the National Flood Insurance Program: Here's What NFIP Policyholders Need to Know

Congress did not reauthorize the National Flood Insurance Program (NFIP) by the deadline yesterday. Until the program is reauthorized, there are several things NFIP policyholders should know about the status of their flood insurance coverage.

  • The NFIP cannot issue new or renew existing flood insurance policies. Consumers who have a pending flood policy application or renewal should confirm with their agent that they will have coverage.

  • NFIP policies currently in force will continue until the end of the current one-year policy term.

  • The NFIP will continue to adjust and pay claims for its policyholders using available funds. If those funds are depleted, claims payments would be delayed until additional funds become available as the NFIP collects premiums or Congress provides for additional borrowing authority.
  • Residential and commercial property owners are required to purchase flood insurance if the property is in a Special Flood Hazard Area (SFHA) and is in a community that participates in the NFIP. Without flood insurance, real estate transactions in an SFHA might be delayed or prevented until coverage is available.

  • Private flood insurance may be available to meet the requirement to purchase flood insurance for a real estate transaction. Consumers should contact a property insurance agent for assistance in identifying an insurance company that may provide flood coverage.
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.
Louisiana Department of Insurance published this content on October 01, 2025, and is solely responsible for the information contained herein. Distributed via Public Technologies (PUBT), unedited and unaltered, on October 01, 2025 at 16:36 UTC. If you believe the information included in the content is inaccurate or outdated and requires editing or removal, please contact us at [email protected]