FAILURE TO ACT IS NOT AN OPTION: DON’T LET FLOOD INSURANCE LAPSE
DURING HURRICANE SEASON
The National Flood Insurance Pro- gram’s (NFIP) five-year authorization originally expired on Sept. 30, 2017. Because Congress had not agreed to reforms in time for a reauthorization
bill to be signed into law by its expiration date, it
was included in a short-term extension of federal
government spending, an ominous sign for an
already-troubled program. The program was then
subjected to four additional short-term extensions
between December and March.
In March, during the debate over the omnibus
appropriations package to fund the government
for the rest of fiscal year 2018 (FY18), Congress
decided to separate the NFIP from the rest of the
appropriations process and extend it alone until
July 31, 2018, while the rest of the government
appropriations were made through the end of
FY18. PIA spoke out then about this decision.
The history of NFIP extensions has been messy.
The program was extended 17 times between
2008 and 2012, when the previous five-year
reauthorization was signed into law. The program
lapsed four times in 2010 and 2011, once for more
than a month. The NFIP has lapsed briefly twice in
2018 alone during government shutdowns.
A LACK OF ACTION
The thinking behind decoupling the NFIP from
the regular budget process was that by doing so,