Demand Long-Term NFIP Reauthorization with Affordability Protections

Call Script and Letter Template May 26, 2026

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U.S. Capitol switchboard: (202) 224-3121

Here's what to say:

I'm calling about the National Flood Insurance Program, which expires September 30.
FEMA's new pricing has caused up to 500 percent premium increases in some communities and driven an 11 to 39 percent drop in new policies.
I'm asking the representative to support H.R. 5484, which caps premium increases and adds affordability protections.
14.6 million properties face substantial flood risk. We need a long-term reauthorization, not another short-term extension.
Thank you for your time. This is urgent and I'll be following up.

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Write Your Own Letter

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Dear [Senator/Representative name],

I am writing as a constituent from [city, state] about demand long-term nfip reauthorization with affordability protections.

FEMA's new pricing has caused up to 500 percent premium increases in some communities and driven an 11 to 39 percent drop in new policies.

I'm asking the representative to support H.R. 5484, which caps premium increases and adds affordability protections.

14.6 million properties face substantial flood risk. We need a long-term reauthorization, not another short-term extension.

The facts support this: 14.6 million Properties facing substantial flood risk nationwide. 500% Premium increase in Louisiana's Plaquemines Parish under Risk Rating 2.0. 92% At-risk properties that already lacked NFIP coverage before rate increases. 40,000 Home closings frozen per month if NFIP lapses.

I am asking you to take a public position on this issue and act accordingly. Thank you for your time.

Sincerely,
[Your name]
[Your address]

Key Facts to Mention

Use these in your letter, call, email, or social post.

14.6 million Properties facing substantial flood risk nationwide

500% Premium increase in Louisiana's Plaquemines Parish under Risk Rating 2.0

92% At-risk properties that already lacked NFIP coverage before rate increases

40,000 Home closings frozen per month if NFIP lapses

The National Flood Insurance Program expires September 30, 2026. If Congress fails to reauthorize it, FEMA stops selling and renewing policies. The National Association of Realtors estimates a lapse would freeze 40,000 home closings per month.

FEMA's Risk Rating 2.0 system was supposed to price flood risk more accurately. Instead, it drove premiums up 500 percent in some Louisiana parishes while causing an 11 to 39 percent decline in new policies. The largest coverage drops hit lower-income communities. Meanwhile, 92 percent of at-risk properties already lacked flood coverage before rates went up.

H.R. 5484, the NFIP Reauthorization and Reform Act, would cap premium increases, add means-tested affordability assistance, and invest in mitigation. It has not received a floor vote. The program has been reauthorized through short-term extensions over 30 times since 2017. Tell Congress to pass real reform before the deadline.