FloodSafe Minute: NFIP Renewals Extended Through January 15, 2026
Information Regarding NFIP Renewals Extended Through January 15, 2026
“To decrease the chance of a coverage gap caused by the lapse in the National Flood Insurance Program authority, I am extending the 30-day grace period for receipt of the renewal payment after a policy’s expiration date. Accordingly, any renewal payment due from a policyholder on or after October 1, 2025, shall now be due on the later of January 15, 2026, or application of the standard renewal terms of the Standard Flood Insurance Policy.
To illustrate:
|
If a policy term ended on: |
The grace period would have ended: |
But now runs until: |
|
October 1, 2025 |
October 30, 2025 |
January 15, 2026 |
|
October 15, 2025 |
November 13, 2025 |
January 15, 2026 |
|
November 15, 2025 |
December 14, 2025 |
January 15, 2026 |
|
December 1, 2025 |
December 30, 2025 |
January 15, 2026 |
|
January 1, 2026 |
January 30, 2026 |
January 30, 2026 |
This bulletin applies for all National Flood Insurance Program policies, whether issued by NFIP Direct or a Write Your Own company.”
Statements from Elizabeth Asche, PhD Assistant Administrator for Federal Insurance National Flood Insurance Program per the memo on the Extension of the Grace Period for Payment of National Flood Insurance Program (NFIP) Premiums issued on November 14, 2025.
