As of the writing of this message, Congress has not yet extended the National Flood Insurance Program, which expires at midnight on Friday, January 19th.   The NFIP continues to be ties to the Congressional Budget.  If there is a government shutdown, the NFIP also shuts down.  This will continue to be an issue as Congress intends to only pass short term extensions for the foreseeable future.


FEMA has issued guidance for insurance companies on how to handle writing new flood policies, policy renewals, and claims during a flood program expiration.  The MCCC has created consumer guidance for you as an insured to know what to do before, during and after a flood program expiration.  Overall, our guidance outlines that:

  • -If you have a flood policy renewing after January 19th , and within the next few weeks, PAY IT NOW
  • -If you are planning to close on a home after January 19th , PAY FOR THE POLICY NOW.  If paid before the program expires, the policy will still go effective on the closing during a program expiration.
  • -If your policy is in force before the program expires, and you experience a claim, your claim will be handled as usual. .

You can download the full guidance HERE