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The National Flood Insurance Program (NFIP) has lapsed after Congress failed to extend its reauthorization by the September 30 deadline.

During the lapse, NFIP cannot sell or renew flood insurance policies, but it can still process and pay claims on existing policies, as long as funds are available. As of September 18, 2025, the NFIP had roughly $2.8 billion available between the National Flood Insurance Fund and a Reserve Fund.

What this means for PURE members

  • Those with active NFIP policies: Coverage remains in force. FEMA has confirmed that claims, both current and future, will continue to be paid as long as funds are available.
  • Those with policies set to expire: To prepare for a potential shutdown, PURE processed renewals in advance for policies expiring through December 24, 2025. These policies will remain effective, provided payment is made within NFIP’s 30-day grace period, which begins on the policy’s expiration date. Policies expiring after December 24, 2025, cannot currently be renewed. We hope—and expect—that the lapse will be resolved well before then. Importantly, NFIP has not communicated directly with policyholders about the lapse and will not issue renewal or expiration notices while it remains in effect.

  • Those needing new coverage and changes: No new NFIP policies can be issued during the lapse. Policy changes, endorsements and limit increases are also on hold. Private flood insurance—including PURE's new primary flood offering—remains available. 

    PURE's primary flood coverage is currently available in the following states, with nationwide availability expected by the end of 2026.

    • Admitted & Non-Admitted: CT, CO, GA, IL, MA, NJ
    • Non-Admitted only: AL, AR, CA, FL, KY, LA, MO, MS, NC

What PURE is doing

  • Member outreach: We are identifying and contacting members with policies approaching expiration, and encouraging them to reach out to you with questions or for assistance.
    • Policies expiring on or before December 24: We are reminding members to make a payment within the required timeframe to keep coverage in force. If you have members whose policies are in jeopardy of expiring due to non-payment, someone from PURE will reach out to you to discuss.
    • Policies expiring after December 24: We are advising members of the risk of a temporary gap in coverage if the lapse continues and encouraging them to work with you to explore alternatives, including PURE’s new primary flood offering, where available.
  • Ongoing monitoring: We are closely following congressional activity and will be ready to process renewals as soon as reauthorization occurs.

What you can do for your clients

  • You can log in to the Torrent Flood Portal to pull a list of your members with NFIP policies through PURE’s WYO program.
  • Remind those with payments due to pay promptly to avoid their policies expiring.
  • Look to the private market, including PURE’s new primary flood offering, for those members needing immediate coverage solutions.
  • Direct all NFIP policy specific questions to Torrent, our policy administrator.

We recognize the uncertainty this situation creates and will continue to share updates as we have them. Please reach out to your territory manager if you have questions or assistance finding a solution for a member.