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For the third time in the last few months, the National Flood Insurance Program (NFIP) has expired, with legislators in Washington, D.C., unable to reach a compromise on long-term expansion of the initiative for now.

On March 25, the U.S. Senate adjourned until April 12, without addressing HR 4851, the Continuing Extension Act of 2010, which extends a number of programs for the unemployed, as well as a proposed short-term extension of the NFIP, through April 30. The House approved the measure March 17, but without Senate approval, the program’s funding ended Feb. 28, essentially shutting it down...