42 U.S.C. § 4026 | Expiration of program

September 30, 2026No new contract for flood insurance under this chapter shall be entered into after .

Pub. L. 90–448, title XIII, § 1319Aug. 1, 196882 Stat. 581 Pub. L. 93–4Feb. 2, 197387 Stat. 4 Pub. L. 93–38June 5, 197387 Stat. 73 Pub. L. 93–234, title I, § 105Dec. 31, 197387 Stat. 979 Pub. L. 95–60, § 3June 30, 197791 Stat. 257 Pub. L. 95–80, § 3July 31, 197791 Stat. 339 Pub. L. 95–128, title VII, § 701(a)Oct. 12, 197791 Stat. 1144 Pub. L. 95–406, § 6(a)Sept. 30, 197892 Stat. 880 Pub. L. 95–557, title III, § 308(a)Oct. 31, 197892 Stat. 2098 Pub. L. 96–153, title VI, § 602(a)Dec. 21, 197993 Stat. 1137 Pub. L. 97–35, title III, § 341(b)(1)Aug. 13, 198195 Stat. 418 Pub. L. 97–289, § 4(a)Oct. 6, 198296 Stat. 1231 Pub. L. 98–35, § 4(a)May 26, 198397 Stat. 198 Pub. L. 98–109, § 5(a)Oct. 1, 198397 Stat. 746 Pub. L. 98–181, title INov. 30, 198397 Stat. 1229 Pub. L. 99–120, § 4(a)(1)Oct. 8, 198599 Stat. 503 Pub. L. 99–156, § 4(a)(1)Nov. 15, 198599 Stat. 816 Pub. L. 99–219, § 4(a)(1)Dec. 26, 198599 Stat. 1731 Pub. L. 99–267, § 4(a)(1)Mar. 27, 1986100 Stat. 74 Pub. L. 99–272, title III, § 3010(a)(1)Apr. 7, 1986100 Stat. 106 Pub. L. 99–289, § 1(b)May 2, 1986100 Stat. 412 Pub. L. 99–345, § 1June 24, 1986100 Stat. 673 Pub. L. 99–430Sept. 30, 1986100 Stat. 986 Pub. L. 100–122, § 1Sept. 30, 1987101 Stat. 793 Pub. L. 100–154Nov. 5, 1987101 Stat. 890 Pub. L. 100–170Nov. 17, 1987101 Stat. 914 Pub. L. 100–179Dec. 3, 1987101 Stat. 1018 Pub. L. 100–200Dec. 21, 1987101 Stat. 1327 Pub. L. 100–242, title V, § 541(a)Feb. 5, 1988101 Stat. 1939 Pub. L. 101–137, § 1(a)Nov. 3, 1989103 Stat. 824 Pub. L. 101–508, title II, § 2302(a)Nov. 5, 1990104 Stat. 1388–23 Pub. L. 103–325, title V, § 571(a)Sept. 23, 1994108 Stat. 2277 Pub. L. 104–204, title IIISept. 26, 1996110 Stat. 2915 Pub. L. 105–46, § 118Sept. 30, 1997111 Stat. 1157 Pub. L. 105–65, title IIIOct. 27, 1997111 Stat. 1377 Pub. L. 105–276, title III, title V, § 599D(a)Oct. 21, 1998112 Stat. 2502 Pub. L. 107–73, title IIINov. 26, 2001115 Stat. 689 Pub. L. 108–3, § 2(a)(2)Jan. 13, 2003117 Stat. 7 Pub. L. 108–171, § 2(a)(1)Dec. 6, 2003117 Stat. 2064 Pub. L. 108–199, div. H, § 136(a)(1)Jan. 23, 2004118 Stat. 442 Pub. L. 108–264, title I, § 101(b)June 30, 2004118 Stat. 714 Pub. L. 111–196, § 2(a)July 2, 2010124 Stat. 1352 Pub. L. 111–250, § 2(a)Sept. 30, 2010124 Stat. 2630 Pub. L. 112–74, div. D, title V, § 573Dec. 23, 2011125 Stat. 985 Pub. L. 112–123, § 1(a)May 31, 2012126 Stat. 365 Pub. L. 112–141, div. F, title II, § 100203(b)July 6, 2012126 Stat. 916 Pub. L. 115–225, § 2(b)July 31, 2018132 Stat. 1624 Pub. L. 115–281, § 2(b)Dec. 1, 2018132 Stat. 4191 Pub. L. 115–396, § 2(b)Dec. 21, 2018132 Stat. 5296 Pub. L. 116–19, § 2(b)May 31, 2019133 Stat. 870 Pub. L. 116–20, title XII, § 1207(b)June 6, 2019133 Stat. 901 Pub. L. 116–159, div. A, § 146(b)Oct. 1, 2020134 Stat. 718 Pub. L. 117–103, div. O, title I, § 101(b)Mar. 15, 2022136 Stat. 787 Pub. L. 117–328, div. AA, title IX, § 901(b)Dec. 29, 2022136 Stat. 5551 Pub. L. 119–75, div. I, § 5004(b)Feb. 3, 2026140 Stat. 630 (, , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; [title IV, § 451(a)], , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , , 2663; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , .)

Editorial Notes

References in Text

Pub. L. 90–448Aug. 1, 196882 Stat. 572 section 4001 of this titleThis chapter, referred to in text, was in the original a reference to “this title” meaning title XIII of , , , known as the National Flood Insurance Act of 1968, which is classified principally to this chapter. For complete classification of this Act to the Code, see Short Title note set out under and Tables.

Amendments

Pub. L. 119–75September 30, 2026September 30, 20232026— substituted “” for “”.

Pub. L. 117–328September 30, 2023September 30, 20222022— substituted “” for “”.

Pub. L. 117–103September 30, 2022September 30, 2021 substituted “” for “”.

Pub. L. 116–159September 30, 2021September 30, 20192020— substituted “” for “”.

Pub. L. 116–20September 30, 2019June 14, 20192019— substituted “” for “”.

Pub. L. 116–19June 14, 2019May 31, 2019 substituted “” for “”.

Pub. L. 115–396May 31, 2019December 7, 20182018— substituted “” for “”.

Pub. L. 115–281December 7, 2018November 30, 2018 substituted “” for “”.

Pub. L. 115–225November 30, 2018September 30, 2017 substituted “” for “”.

Pub. L. 112–141September 30, 2017July 31, 20122012— substituted “” for “”.

Pub. L. 112–123July 31, 2012May 31, 2012 substituted “” for “the earlier of the date of the enactment into law of an Act that specifically amends the date specified in this section or ”.

Pub. L. 112–74May 31, 2012September 30, 20112011— substituted “the earlier of the date of the enactment into law of an Act that specifically amends the date specified in this section or ” for “”.

Pub. L. 111–250September 30, 2011September 30, 20102010— substituted “” for “”.

Pub. L. 111–196September 30, 2010September 30, 2008 substituted “” for “”.

Pub. L. 108–264September 30, 2008March 31, 20042004— substituted “after ” for “after ”.

Pub. L. 108–199June 30, 2004December 31, 2003Pub. L. 108–171, which directed the substitution of “.” for “”, could not be executed because of the amendment by . See 2003 Amendment note below.

Pub. L. 108–171March 31, 2004December 31, 20032003— substituted “” for “”.

Pub. L. 108–3December 31, 2003December 31, 2002 substituted “after ” for “after ”.

Pub. L. 107–73December 31, 2002September 30, 20012001— substituted “” for “”.

Pub. L. 105–276, § 599D(a)Pub. L. 105–276, title III1998—, which directed the substitution of “2001” for “1998”, was executed by substituting “2001” for “1999” to reflect the probable intent of Congress and the amendment by , see below.

Pub. L. 105–276, title III, substituted “1999” for “1998”.

Pub. L. 105–65September 30, 1998October 23, 19971997— substituted “” for “”.

Pub. L. 105–46October 23, 1997September 30, 1997 substituted “” for “”.

Pub. L. 104–204September 30, 1997September 30, 19961996— substituted “” for “”.

Pub. L. 103–325September 30, 1996September 30, 19951994— substituted “” for “”.

Pub. L. 101–508September 30, 1995September 30, 19911990— substituted “” for “”.

Pub. L. 101–137September 30, 1991September 30, 19891989— substituted “” for “”.

Pub. L. 100–242September 30, 1989March 15, 19881988— substituted “” for “”.

Pub. L. 100–200March 15, 1988December 16, 19871987— substituted “” for “”.

Pub. L. 100–179December 16, 1987December 2, 1987 substituted “” for “”.

Pub. L. 100–170December 2, 1987November 15, 1987 substituted “” for “”.

Pub. L. 100–154November 15, 1987October 31, 1987 substituted “” for “”.

Pub. L. 100–122October 31, 1987September 30, 1987 substituted “” for “”.

Pub. L. 99–430September 30, 1987September 30, 19861986— substituted “” for “”.

Pub. L. 99–345September 30, 1986June 6, 1986 substituted “” for “”.

Pub. L. 99–289June 6, 1986April 30, 1986 substituted “” for “”.

Pub. L. 99–272 Pub. L. 99–219March 17, 1986December 15, 1985 directed amendment identical to substituting “” for “”.

Pub. L. 99–267April 30, 1986March 17, 1986 substituted “” for “”.

Pub. L. 99–219March 17, 1986December 15, 19851985— substituted “” for “”.

Pub. L. 99–156December 15, 1985November 14, 1985 substituted “” for “”.

Pub. L. 99–120November 14, 1985September 30, 1985 substituted “” for “”.

Pub. L. 98–181September 30, 1985November 30, 19831983— substituted “” for “”.

Pub. L. 98–109November 30, 1983September 30, 1983 substituted “” for “”.

Pub. L. 98–35September 30, 1983May 20, 1983 substituted “” for “”.

Pub. L. 97–289May 20, 1983September 30, 19821982— substituted “” for “”.

Pub. L. 97–351981— substituted “1982” for “1981”.

Pub. L. 96–153September 30, 1981September 30, 19801979— substituted “” for “”.

Pub. L. 95–557September 30, 1980October 31, 19781978— substituted “” for “”.

Pub. L. 95–406October 31, 1978September 30, 1978 substituted “” for “”.

Pub. L. 95–128September 30, 1978September 30, 19771977— substituted “” for “”.

Pub. L. 95–80September 30, 1977July 31, 1977 substituted “” for “”.

Pub. L. 95–60July 31, 1977June 30, 1977 substituted “” for “”.

Pub. L. 93–2341973— substituted expiration of program provisions for $6,000,000,000 limitation on flood insurance coverage outstanding.

Pub. L. 93–38 substituted “$6,000,000,000” for “$4,000,000,000”.

Pub. L. 93–4 substituted “$4,000,000,000” for “$2,500,000,000”.

Statutory Notes and Related Subsidiaries

Effective Date of 2026 Amendment

Pub. L. 119–75Jan. 30, 2026section 5004(c) of div. I of Pub. L. 119–75 section 4016 of this titleAmendment by effective as if enacted on , see , set out as a note under .

Effective Date of 2022 Amendment

Pub. L. 117–328Sept. 30, 2022section 901(c) of div. AA of Pub. L. 117–328 section 4016 of this titleAmendment by effective as if enacted on , see , set out as a note under .

Effective Date of 2020 Amendment

Pub. L. 116–159Oct. 1, 2020Sept. 30, 2020section 146(c) of Pub. L. 116–159 section 4016 of this titleAmendment by effective immediately upon enactment (), and applicable as if it were in effect on , see , set out as a note under .

Effective Date of 2018 Amendment

Pub. L. 115–396Dec. 7, 2018section 2(c) of Pub. L. 115–396 section 4016 of this titleAmendment by effective as if enacted on , see , set out as a note under .

Effective Date of 2010 Amendment

Pub. L. 111–196May 31, 2010section 2(c) of Pub. L. 111–196 section 4016 of this titleAmendment by considered effective on , see , set out as a note under .

Effective Date of 2004 Amendment

Pub. L. 108–199Dec. 31, 2003section 136(b) of div. H of Pub. L. 108–199 section 4016 of this titleAmendment by considered to have taken effect on , see , set out as a note under .

Effective Date of 2003 Amendments

Pub. L. 108–171Dec. 31, 2003section 2(b) of Pub. L. 108–171 section 4016 of this titleAmendment by effective , see , set out as a note under .

Pub. L. 108–3Dec. 31, 2002section 2(b) of Pub. L. 108–3 section 4016 of this titleAmendment by effective , see , set out as a note under .

Effective Date of 1998 Amendment

Pub. L. 105–276, title V, § 599D(c)Oct. 21, 1998112 Stat. 2663

section 4056 of this titleOct. 21, 1998“The amendments made by this section [amending this section and ] are made on, and shall apply beginning upon, the date of the enactment of this Act [].”

, , , provided that:

Effective Date of 1981 Amendment

Pub. L. 97–35Oct. 1, 1981section 371 of Pub. L. 97–35 section 3701 of Title 12Amendment by effective , see , set out as an Effective Date note under , Banks and Banking.

Effective Date

Aug. 1, 1968Aug. 1, 1968section 1377 of Pub. L. 90–448 section 4001 of this titleSection effective 120 days following , or such later date prescribed by the Secretary but in no event more than 180 days following , see , set out as a note under .

Extension of Program

Pub. L. 119–4, div. A, title VII, § 1709Mar. 15, 2025139 Stat. 29

“(a)

42 U.S.C. 4016(a)Sept. 30, 2025September 30, 2023 Sections 1309(a) and 1319 of the National Flood Insurance Act of 1968 ( and 4026) shall be applied by substituting the date specified in section 1106 of this Act [] for ‘’.

“(b)

(1)

Pub. L. 119–4Mar. 15, 2025 Subject to paragraph (2), this section shall become effective immediately upon enactment of this Act [div. A of , approved ].

“(2)

March 14, 2025March 14, 2025 If this Act is enacted after , this section shall be applied as if it were in effect on .”

, , , provided that:

42 U.S.C. 4016(a)Prior provisions generally extending the authority of sections 1309(a) and 1319 of the National Flood Insurance Act of 1968 ( and 4026) were contained in the following acts:

Pub. L. 118–83, div. A, § 137Sept. 26, 2024138 Stat. 1531 Dec. 20, 2024, , (to ).

Pub. L. 118–47, div. G, title I, § 101(b)Mar. 23, 2024138 Stat. 856 Sept. 30, 2024, , (to ).

Pub. L. 116–94, div. I, title II, § 201Dec. 20, 2019133 Stat. 3019 Sept. 30, 2020, , (to ).

Pub. L. 115–141, div. M, title III, § 301Mar. 23, 2018132 Stat. 1049 July 31, 2018, , (to ).

Pub. L. 110–329, div. A, § 145Sept. 30, 2008122 Stat. 3581 Pub. L. 111–8, div. J, § 101Mar. 11, 2009123 Stat. 988 Sept. 30, 2009, , , as amended by , , (to ).

Pub. L. 105–64Oct. 23, 1997111 Stat. 1343 Nov. 7, 1997, , (to ).