; (5) the term Standard Flood Insurance Policy means the policy set forth in Appendix A to part 61 of title 44, Code of Federal Regulations; (6) the term Write Your Own company means a company that participates in the Write Your Own Program; and (7) the term Write Your Own Program means the cooperative undertaking between the insurance industry and the Federal Insurance and Mitigation Administration that allows participating property and casualty insurance companies to write and service standard flood insurance policies. I Reauthorization and affordability 101. Extension of National Flood Insurance Program (a) Financing Section 1309(a) of the National Flood Insurance Act of 1968 ( 42 U.S.C. 4016(a) ) is amended, in the first sentence, by striking September 30, 2017 and inserting September 30, 2023 . (b) Program expiration Section 1319 of the National Flood Insurance Act of 1968 ( 42 U.S.C. 4026 ) is amended by striking September 30, 2017 and inserting September 30, 2023 . 102. Limitation on increases of premiums, surcharges, and mapping fees (a) Definition In this section, the term covered cost means— (1) the amount of an annual premium with respect to any policy for flood insurance under the National Flood Insurance Program; (2) any surcharge imposed with respect to a policy described in paragraph (1), including a surcharge imposed under— (A) section 1304(b) of the National Flood Insurance Act of 1968 ( 42 U.S.C. 4011(b) ), as amended by section 201(b); or (B) section 1308A(a) of the National Flood Insurance Act of 1968 ( 42 U.S.C. 4015a(a) )