Overview

• FEMA’s National Flood Insurance Program has stopped issuing new policies and renewals because of the federal funding lapse.
• FEMA warned it could lose access to money needed to pay claims, limiting its ability to administer policies starting last week.
• Florida holds about 1.8 million NFIP policies, roughly 20% of the program, putting home sales and mortgage closings at risk due to insurance requirements.
• U.S. Rep. Jimmy Patronis introduced and is co-sponsoring legislation to extend NFIP through Nov. 21, 2025, but its fate is uncertain in the current standoff.
• State insurance commissioners visited Washington to press for a longer extension as lawmakers trade blame over the shutdown’s impact on coverage during hurricane season.