STATE INSURANCE REGULATORS MEET WITH FEMA REVIEW COUNCIL AT WHITE HOUSE OCT. 1, 2025

The following information was released by the National Association of Insurance Commissioners (NAIC):

On Tuesday, with authorization for the National Flood Insurance Program (NFIP) expiring later that same day, members of the National Association of Insurance Commissioners (NAIC) met with members of the Federal Emergency Management Agency (FEMA) Review Council at the White House. During the meeting, NAIC members reiterated several longstanding priorities for state insurance regulators.

The delegation, led by North Dakota Insurance Commissioner and NAIC President Jon Godfread, engaged with federal partners to share state insurance regulators' unique, on-the-ground perspectives related to flood insurance, consumer protection, and disaster resilience.

"It was an honor to advocate on consumers' behalf in our nation's capital," said Commissioner Godfread. "As we help consumers prepare for severe weather, reduce their risk, and speed recovery, state insurance regulators are committed to expanding access to flood insurance through both the NFIP and private coverage."

NAIC members discussed issues including:

Stability for policyholders by passing a long-term reauthorization of the NFIP.

Support for mitigation initiatives, such as premium discounts for resilient construction, tax-preferred savings for mitigation, and parity for state mitigation grants.

Accurate flood mapping.

Responsible growth of private flood options.

Since 2017, Congress has passed 33 short-term NFIP reauthorizations, usually as part of a continuing resolution or appropriation bill. To best support market stability, the NAIC supports a long-term NFIP reauthorization lasting at least 10 years.

Participating State Insurance Regulators

Cassie Brown (TX)

Heather Carpenter (AK, Virtual)

Jon Godfread (ND)

Ricardo Lara (CA, Virtual)

Timothy Temple (LA)

Scott White (VA)

Michael Yaworsky (FL)

Justin Zimmerman (NJ)

Background

May 2025 NAIC Issue Brief supporting long-term NFIP reauthorization

Sept. 2025 NAIC response to U.S. Senators Bill Cassidy and Cory Booker's Request for Information on NFIP reauthorization and reform