For Immediate Release:
October 16, 2025
National Flood Insurance Program on Hold During Government Shutdown
OKLAHOMA CITY— As of October 1, 2025, the federal government shutdown has paused the National Flood Insurance Program (NFIP). The congressional authorization lapsed and is currently affecting policyholders trying to renew coverage and people buying homes across Oklahoma.
The Oklahoma Insurance Department (OID) wants to make sure Oklahomans understand how this may impact them, what steps to take, and provide resources.
Key Impacts
- No new or renewed NFIP policies. The NFIP cannot issue new policies or renew existing ones until Congress reauthorizes the program.
- Current NFIP policies stay active. If you already have a flood insurance policy through the NFIP, it will stay in effect until its expiration date.
- Claims may still be paid, but delays are possible. The NFIP will continue paying claims with the funds it has on hand. If those funds run out during the shutdown, payments could be delayed.
- Some home sales could be delayed. If you’re buying a home in a high-risk flood area, flood insurance is usually required for federally backed loans. Without access to NFIP policies, closings may be postponed until the program resumes.
- Private flood insurance may be an option. Some private insurance companies offer flood policies. These can provide coverage during the NFIP lapse but may differ in price and protection.
Be Proactive
- Check your policy. If your flood insurance renewal is approaching or your application is pending, contact your insurance agent immediately to learn about your options.
- If you’re buying a home in a flood zone, be aware. Let your real-estate agent, lender, and insurance agent know about the NFIP pause. You may need to explore private flood insurance to keep your closing on track.
- Ask about private options. Some insurance companies can provide flood coverage through the private market. Talk to your agent to compare coverage and costs.
- Keep your coverage current. If you already have NFIP coverage, continue making your payments and keep your documents handy. Your policy remains valid until it expires.
- Stay informed. Once Congress reauthorizes the NFIP, new and renewal policies will start again. For the latest information, follow updates from OID and your insurance agent.
“While we hope Congress acts quickly to restart the NFIP, this reminds us how important it is to be prepared for flooding and to know your insurance options,” said Commissioner Glen Mulready. “OID is here to help Oklahomans navigate this situation and find the information they need to stay protected.”
Visit oid.ok.gov/flood for information about flood insurance and flood risk or contact OID Consumer Assistance at 1-800-522-0071. FEMA Flood Map at FEMA Flood Map Service Center | Search By Address or floodsmart.gov.