The National Flood Insurance Program (NFIP) has lapsed

As many of you know we are now in a partial government shutdown.

The National Flood Insurance Program (NFIP) has lapsed after Congress was unable to strike a deal to fund the federal government by the September 30^th deadline. While the House of Representatives passed a continuing resolution (CR) to fund the government through November 21, the bill did not reach the 60 votes required to pass in the Senate.

FEMA most recently issued NFIP lapse guidance in December 2024. While the NFIP is expired, no new policies or renewal notices may be issued. Additionally, any new policies or coverage increase requests dated after the expiration of the NFIP (October 1^st or later) may not be issued. Policies in force the day before the NFIP’s expiration (September 30^th or earlier) will remain in force, and any claims under an in-force policy during the expiration will be paid as usual.

The PIA Western Alliance will continue to monitor the situation and provide updates on our home page blog as PIA National works with Congress to quickly bring the NFIP’s lapse to an end.