Florida homeowners face uncertainty as federal flood insurance program expires

With the federal flood insurance program paused, homeowners in flood-prone areas of Florida must navigate new challenges in securing coverage and closing home deals

TALLAHASSEE, Fla. (WTXL) — Florida homebuyers are facing unexpected delays and deal-breaking hurdles as the federal flood insurance program hits a standstill.

• Federal flood insurance program expired on September 30, 2025.

• Homebuyers in flood-prone areas are facing delays and potential deal cancellations due to the lack of flood insurance.

• Watch the video below to find out how many active flood insurance policies are affected by the program's lapse.

FEMA says the National Flood Insurance Program, or NFIP, expired at midnight on Sept. 30 when Congress failed to approve new funding.

Until the program is reauthorized, no new or renewal flood insurance policies can be issued.

That pause is leaving homebuyers in flood-prone areas waiting and, in some cases, walking away from deals.

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