Summary

Requires FEMA to publish and maintain open, searchable NFIP flood-risk and claims data at fine geographic levels while protecting personal information. The agency must make property-level risk metrics, loss ratios, claims and policy history, mitigation and construction status, models and analytical tools, and lists of multiple-loss properties publicly available and create a community-level searchable database (ZIP Code or census-block granularity) with compliance and exposure metrics within one year of enactment.

• FEMA must publicly release detailed NFIP data, models, and analytical tools used to assess flood risk and set premiums.
• Property-level risk metrics, loss ratios, limited claims and policy history, construction and mitigation status, and lists of multiple-loss properties must be disclosed.
• An open-source, immediately accessible data system is required for public use.
• FEMA must create a publicly searchable community database within one year, with ZIP Code or census-block level data on exposure and compliance.
• Community data must show compliance status, enforcement actions and days noncompliant, counts of pre-/post-FIRM properties in SFHAs, claims outside SFHAs, and area of SFHAs.
• Disclosures must protect personally identifiable information per federal privacy law (5 U.S.C. §552a).
• Definitions for key terms (loss ratio and multiple-loss property) are provided to standardize reporting.
• The law focuses on transparency and does not itself change premiums, create funding, or alter coverage rules.