Summary

Requires the National Flood Insurance Program to publish and maintain extensive flood-risk and community data in an open, electronic, searchable format. It mandates public release of property-level risk inputs, claims and premium summaries, modeling tools and analytical methods, plus a community database (ZIP code or census block level) showing compliance, counts of pre-/post-FIRM properties, claims outside mapped high-risk areas, multiple-loss properties, and percent/square miles in flood zones, while protecting personally identifiable information.

Key Points

• Requires NFIP to publish property-level flood risk data, models, tools, loss ratios, and limited policy/claim summaries to the public.
• Mandates an open-source, immediately accessible electronic data system for disclosed materials.
• Requires a searchable community database at ZIP code or census block granularity within one year, including counts of pre-/post-FIRM properties and multiple-loss properties.
• Defines loss ratio and relies on existing definitions for multiple-loss properties.
• Limits policy and claim disclosures to amount/term and date/amount respectively, and requires PII protections per the Privacy Act.
• Does not change insurance pricing rules or coverage; it focuses on transparency and reporting.
• Does not specify funding for building or maintaining the required data systems.
• Applies nationwide and includes community- and State-level identifiers in the published data.

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