# § 4026. Expiration of program
September 30, 2026
No new contract for flood insurance under this chapter shall be entered into after .
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**Source Credit**: (Pub. L. 90–448, title XIII, § 1319, Aug. 1, 1968, 82 Stat. 581; Pub. L. 93–4, Feb. 2, 1973, 87 Stat. 4; Pub. L. 93–38, June 5, 1973, 87 Stat. 73; Pub. L. 93–234, title I, § 105, Dec. 31, 1973, 87 Stat. 979; Pub. L. 95–60, § 3, June 30, 1977, 91 Stat. 257; Pub. L. 95–80, § 3, July 31, 1977, 91 Stat. 339; Pub. L. 95–128, title VII, § 701(a), Oct. 12, 1977, 91 Stat. 1144; Pub. L. 95–406, § 6(a), Sept. 30, 1978, 92 Stat. 880; Pub. L. 95–557, title III, § 308(a), Oct. 31, 1978, 92 Stat. 2098; Pub. L. 96–153, title VI, § 602(a), Dec. 21, 1979, 93 Stat. 1137; Pub. L. 97–35, title III, § 341(b)(1), Aug. 13, 1981, 95 Stat. 418; Pub. L. 97–289, § 4(a), Oct. 6, 1982, 96 Stat. 1231; Pub. L. 98–35, § 4(a), May 26, 1983, 97 Stat. 198; Pub. L. 98–109, § 5(a), Oct. 1, 1983, 97 Stat. 746; Pub. L. 98–181, title I [title IV, § 451(a)], Nov. 30, 1983, 97 Stat. 1229; Pub. L. 99–120, § 4(a)(1), Oct. 8, 1985, 99 Stat. 503; Pub. L. 99–156, § 4(a)(1), Nov. 15, 1985, 99 Stat. 816; Pub. L. 99–219, § 4(a)(1), Dec. 26, 1985, 99 Stat. 1731; Pub. L. 99–267, § 4(a)(1), Mar. 27, 1986, 100 Stat. 74; Pub. L. 99–272, title III, § 3010(a)(1), Apr. 7, 1986, 100 Stat. 106; Pub. L. 99–289, § 1(b), May 2, 1986, 100 Stat. 412; Pub. L. 99–345, § 1, June 24, 1986, 100 Stat. 673; Pub. L. 99–430, Sept. 30, 1986, 100 Stat. 986; Pub. L. 100–122, § 1, Sept. 30, 1987, 101 Stat. 793; Pub. L. 100–154, Nov. 5, 1987, 101 Stat. 890; Pub. L. 100–170, Nov. 17, 1987, 101 Stat. 914; Pub. L. 100–179, Dec. 3, 1987, 101 Stat. 1018; Pub. L. 100–200, Dec. 21, 1987, 101 Stat. 1327; Pub. L. 100–242, title V, § 541(a), Feb. 5, 1988, 101 Stat. 1939; Pub. L. 101–137, § 1(a), Nov. 3, 1989, 103 Stat. 824; Pub. L. 101–508, title II, § 2302(a), Nov. 5, 1990, 104 Stat. 1388–23; Pub. L. 103–325, title V, § 571(a), Sept. 23, 1994, 108 Stat. 2277; Pub. L. 104–204, title III, Sept. 26, 1996, 110 Stat. 2915; Pub. L. 105–46, § 118, Sept. 30, 1997, 111 Stat. 1157; Pub. L. 105–65, title III, Oct. 27, 1997, 111 Stat. 1377; Pub. L. 105–276, title III, title V, § 599D(a), Oct. 21, 1998, 112 Stat. 2502, 2663; Pub. L. 107–73, title III, Nov. 26, 2001, 115 Stat. 689; Pub. L. 108–3, § 2(a)(2), Jan. 13, 2003, 117 Stat. 7; Pub. L. 108–171, § 2(a)(1), Dec. 6, 2003, 117 Stat. 2064; Pub. L. 108–199, div. H, § 136(a)(1), Jan. 23, 2004, 118 Stat. 442; Pub. L. 108–264, title I, § 101(b), June 30, 2004, 118 Stat. 714; Pub. L. 111–196, § 2(a), July 2, 2010, 124 Stat. 1352; Pub. L. 111–250, § 2(a), Sept. 30, 2010, 124 Stat. 2630; Pub. L. 112–74, div. D, title V, § 573, Dec. 23, 2011, 125 Stat. 985; Pub. L. 112–123, § 1(a), May 31, 2012, 126 Stat. 365; Pub. L. 112–141, div. F, title II, § 100203(b), July 6, 2012, 126 Stat. 916; Pub. L. 115–225, § 2(b), July 31, 2018, 132 Stat. 1624; Pub. L. 115–281, § 2(b), Dec. 1, 2018, 132 Stat. 4191; Pub. L. 115–396, § 2(b), Dec. 21, 2018, 132 Stat. 5296; Pub. L. 116–19, § 2(b), May 31, 2019, 133 Stat. 870; Pub. L. 116–20, title XII, § 1207(b), June 6, 2019, 133 Stat. 901; Pub. L. 116–159, div. A, § 146(b), Oct. 1, 2020, 134 Stat. 718; Pub. L. 117–103, div. O, title I, § 101(b), Mar. 15, 2022, 136 Stat. 787; Pub. L. 117–328, div. AA, title IX, § 901(b), Dec. 29, 2022, 136 Stat. 5551; Pub. L. 119–75, div. I, § 5004(b), Feb. 3, 2026, 140 Stat. 630.)
## Editorial Notes
### References in Text
This chapter, referred to in text, was in the original a reference to “this title” meaning title XIII of , , , known as the National Flood Insurance Act of 1968, which is classified principally to this chapter. For complete classification of this Act to the Code, see Short Title note set out under and Tables.
### Amendments
2026— substituted “” for “”.
2022— substituted “” for “”.
substituted “” for “”.
2020— substituted “” for “”.
2019— substituted “” for “”.
substituted “” for “”.
2018— substituted “” for “”.
substituted “” for “”.
substituted “” for “”.
2012— substituted “” for “”.
substituted “” for “the earlier of the date of the enactment into law of an Act that specifically amends the date specified in this section or ”.
2011— substituted “the earlier of the date of the enactment into law of an Act that specifically amends the date specified in this section or ” for “”.
2010— substituted “” for “”.
substituted “” for “”.
2004— substituted “after ” for “after ”.
, which directed the substitution of “.” for “”, could not be executed because of the amendment by . See 2003 Amendment note below.
2003— substituted “” for “”.
substituted “after ” for “after ”.
2001— substituted “” for “”.
1998—, which directed the substitution of “2001” for “1998”, was executed by substituting “2001” for “1999” to reflect the probable intent of Congress and the amendment by , see below.
, substituted “1999” for “1998”.
1997— substituted “” for “”.
substituted “” for “”.
1996— substituted “” for “”.
1994— substituted “” for “”.
1990— substituted “” for “”.
1989— substituted “” for “”.
1988— substituted “” for “”.
1987— substituted “” for “”.
substituted “” for “”.
substituted “” for “”.
substituted “” for “”.
substituted “” for “”.
1986— substituted “” for “”.
substituted “” for “”.
substituted “” for “”.
directed amendment identical to substituting “” for “”.
substituted “” for “”.
1985— substituted “” for “”.
substituted “” for “”.
substituted “” for “”.
1983— substituted “” for “”.
substituted “” for “”.
substituted “” for “”.
1982— substituted “” for “”.
1981— substituted “1982” for “1981”.
1979— substituted “” for “”.
1978— substituted “” for “”.
substituted “” for “”.
1977— substituted “” for “”.
substituted “” for “”.
substituted “” for “”.
1973— substituted expiration of program provisions for $6,000,000,000 limitation on flood insurance coverage outstanding.
substituted “$6,000,000,000” for “$4,000,000,000”.
substituted “$4,000,000,000” for “$2,500,000,000”.
## Statutory Notes and Related Subsidiaries
### Effective Date of 2026 Amendment
Amendment by effective as if enacted on , see , set out as a note under .
### Effective Date of 2022 Amendment
Amendment by effective as if enacted on , see , set out as a note under .
### Effective Date of 2020 Amendment
Amendment by effective immediately upon enactment (), and applicable as if it were in effect on , see , set out as a note under .
### Effective Date of 2018 Amendment
Amendment by effective as if enacted on , see , set out as a note under .
### Effective Date of 2010 Amendment
Amendment by considered effective on , see , set out as a note under .
### Effective Date of 2004 Amendment
Amendment by considered to have taken effect on , see , set out as a note under .
### Effective Date of 2003 Amendments
Amendment by effective , see , set out as a note under .
Amendment by effective , see , set out as a note under .
### Effective Date of 1998 Amendment
> “The amendments made by this section [amending this section and
>
> ] are made on, and shall apply beginning upon, the date of the enactment of this Act [
>
> ].”
, , , provided that:
### Effective Date of 1981 Amendment
Amendment by effective , see , set out as an Effective Date note under , Banks and Banking.
### Effective Date
Section effective 120 days following , or such later date prescribed by the Secretary but in no event more than 180 days following , see , set out as a note under .
### Extension of Program
> **“(a)** Sections 1309(a) and 1319 of the National Flood Insurance Act of 1968 (42 U.S.C. 4016(a) and 4026) shall be applied by substituting the date specified in section 1106 of this Act [Sept. 30, 2025] for ‘September 30, 2023’.
>
> **“(b)**
>
> **(1)** Subject to paragraph (2), this section shall become effective immediately upon enactment of this Act [div. A of Pub. L. 119–4, approved Mar. 15, 2025].
>
> **“(2)** If this Act is enacted after March 14, 2025, this section shall be applied as if it were in effect on March 14, 2025.”
, , , provided that:
Prior provisions generally extending the authority of sections 1309(a) and 1319 of the National Flood Insurance Act of 1968 ( and 4026) were contained in the following acts:
, , (to ).
, , (to ).
, , (to ).
, , (to ).
, , , as amended by , , (to ).
, , (to ).