[20220317]IN10835_如果国家洪水保险计划（NFIP）失效会发生什么？.pdf

CRS INSIGHT Prepared for Members and Committees of Congress INSIGHTINSIGHTi i What Happens If the National Flood Insurance Program (NFIP) Lapses? Updated March 17, 2022 This Insight provides a short overview of what would happen if the National Flood Insurance Program (NFIP) were not to be reauthorized by September 30, 2022, and allowed to lapse. Expiration of Certain NFIP Authorities The National Flood Insurance Program (NFIP) is authorized by the National Flood Insurance Act of 1968 (Title XIII of P.L. 90-448, as amended, 42 U.S.C. 4001 et seq.). The NFIP does not contain a single comprehensive expiration, termination, or sunset provision for the whole of the program. Rather, the NFIP has multiple different legal provisions that tie to the expiration of key components of the program. Since the end of FY2017, 19 short-term NFIP reauthorizations have been enacted. These reauthorizations are listed in Table 1. The NFIP is currently authorized until September 30, 2022. Unless reauthorized or amended by Congress, the following will occur on September 30, 2022: The authority to provide new flood insurance contracts will expire. Flood insurance contracts entered into before the expirati