U.S. Senator Bill Cassidy (R-LA) has introduced new legislation aimed at preventing the National Flood Insurance Program (NFIP) from lapsing during periods of government shutdown. The proposed bill would automatically extend the NFIP’s authorization if Congress fails to meet a deadline, establishing a year-long safety net for the program.
“Louisiana families have to be ready when floods hit,” said Dr. Cassidy. “We’re making sure they are covered, no matter what happens in Washington.”
The legislation is designed to protect homeowners, lenders, and coastal economies from disruptions that could occur if there is a lapse in NFIP authorization. By ensuring continuity, it aims to avoid unnecessary risk for those dependent on flood insurance coverage.
Recently, Senator Cassidy and Senator John Kennedy (R-LA) introduced the NFIP Extension Act to reauthorize the program until November 21, 2025. Cassidy has also put forward another bill intended to reauthorize the NFIP through fiscal year 2026, with provisions covering policies that may have lapsed during any shutdown.
Last week, Senator Cassidy addressed the U.S. Senate about how government shutdowns affect approximately half a million Louisianans enrolled in the NFIP. He also commemorated Hurricane Katrina’s anniversary in August by speaking about improvements made since then to Louisiana’s infrastructure.
Earlier this year, Cassidy criticized Risk Rating 2.0—a policy change implemented under President Biden—arguing that it has made flood insurance less affordable for many residents.
In addition to legislative efforts, Cassidy requested a hearing on the NFIP before the U.S. Senate Banking Committee last year and participated in community discussions hosted by local organizations such as GNO, Inc., and the Coalition for Sustainable Flood Insurance. He also visited St. Bernard Parish in 2023 to discuss rising flood insurance premiums with residents as part of his “Bill on the Hill” series.
