The National Flood Insurance Program (NFIP), operated by FEMA, is set to expire at the end of September. The NFIP covers nearly 5 million homes across the country, but 40% of customers, over 1.7 million, are Floridians. What would happen if Congress chooses not to renew NFIP? “It could shut down Florida’s economy,” says Joshua Butts of Cornerstone Insurance.