National Flood Insurance Program Set to Expire September 30, 2026
Wednesday, September 30, 2026 at 8:59 PM PST
The National Association of Realtors is tracking Congress’s approaching deadline to reauthorize the National Flood Insurance Program (NFIP), the primary source of flood coverage required for most federally backed mortgages.
NAR has published a public FAQ outlining what a lapse in the program’s authority would mean for policyholders, home sales, and closings, along with steps property owners can take now.
NFIP Reauthorization Resources
NAR Flood Insurance FAQ — https://www.nar.realtor/flood-insurance/faq-national-flood-insurance-program-expires-september-30-2026 · Answers to common questions about the September 30 deadline and what a lapse would mean for closings.
NAR Flood Insurance Hub — https://www.nar.realtor/flood-insurance · Ongoing updates on the program’s reauthorization status.
Federal Agency Guidance
FEMA Bulletin (PDF) — https://agents.floodsmart.gov/sites/default/files/bulletins/W-24020/w-24020.pdf · Guidance on flood insurance requirements if authority lapses.
Fannie Mae Selling Guide — https://selling-guide.fanniemae.com/sel/b7-3-06/flood-insurance-requirements-all-property-types · Flood insurance requirements for all property types.
Freddie Mac Bulletin 2025-E — https://guide.freddiemac.com/app/guide/bulletin/2025-E · Guidance for lenders during an NFIP lapse.
Joint Federal Regulator Guidance — https://www.fdic.gov/news/press-releases/2025/agencies-issue-reminder-institutions-lending-when-national-flood-insurance · Reminder from the FDIC, Federal Reserve, OCC, NCUA, and FCA on lending during a lapse.
Support Services & Contact Information
NAR Member Support — https://www.nar.realtor/contact-us · Call 1-800-874-6500, Monday–Friday, 8 a.m.–5 p.m. Central.
About National Association of REALTORS®
Founded in 1908 as the National Association of Real Estate Exchanges, the National Association of REALTORS® (NAR) adopted its current name in 1972 and is headquartered in Chicago with a Washington, D.C. office near the U.S. Capitol.
NAR’s mission is to empower REALTORS® as they preserve, protect, and advance the right to real property for all, guided by a Code of Ethics first adopted in 1913.
NAR represents more than 1.3 million real estate professionals across the United States and abroad.
The association provides advocacy, research, and continuing education for its members while advancing consumer-focused housing policy, including flood insurance reauthorization.
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