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NFIP Authorization Set to Expire

The National Flood Insurance Program (NFIP) will expire on December 3, 2021. Current sources state that Congress has agreed in principle to a temporary budget bill that would prevent a government shutdown.  It is unclear if NFIP reauthorization will be part of the deal as no written copy of the proposal has been made publicly available yet.

In the event that the reauthorization is not issued by 11:59 p.m. on December 3rd, Proctor Loan Protector would like to draw attention to previously issued agencies guidance that address lapses in FEMA’s authority under the NFIP. This guidance provides answers to frequently asked questions, entities’ responsibilities, and a sample letter of reference. For complete details, please review the bulletins below:

An expiration of the NFIP program would not affect your lender-placed flood insurance program with Proctor Loan Protector. Proctor Loan Protector will continue to monitor this topic and provide updates as they develop.