Concerns are rising over a potential government shutdown as funding for federal agencies, including the National Flood Insurance Program (NFIP), is set to expire. A lapse could leave millions without flood coverage, affecting new policies and renewals. While existing policies remain valid until expiration, homebuyers in high-risk areas may struggle to secure insurance. The Senate must approve funding to prevent this lapse, but bipartisan support is wavering. If the NFIP expires, homeowners may need to seek private insurance, which can be more expensive and less accessible.