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Last progress June 12, 2025 (8 months ago)
Introduced on June 12, 2025 by Richard Lynn Scott
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Requires the National Flood Insurance Program (NFIP) Administrator to publish a wide range of flood-insurance program data and to build public, searchable tools and databases that make property-level flood risk, policy and claims summaries, mitigation status, and multiple-loss information available. The bill mandates an open-source data system, a community-level database with specified fields, and protections for personally identifiable information; the community database must be created and searchable within one year of enactment.
Adds a new Section 1349, titled “Public availability of program information,” to Part C of chapter II of the National Flood Insurance Act of 1968 (42 U.S.C. 4081 et seq.).
Defines “loss ratio” as the ratio, for a fiscal year, of claims paid under the national flood insurance program to premiums paid under that program for that fiscal year.
Defines “multiple-loss property” to mean either a repetitive loss structure or a severe repetitive loss structure (with the latter as defined in section 1366(h)).
Requires the Administrator to make publicly available all data, models, assessments, analytical tools, and other information in the Administrator’s possession used to assess flood risk or to identify or establish flood elevations and premiums for the national flood insurance program.
Requires public release of data relating to risk on individual properties, loss ratio information, and other information identifying losses under the national flood insurance program.
Who is affected and how:
Homeowners and property owners: Increased access to property-level flood risk and claims information helps owners understand exposure, plan mitigation, and make buying or investment decisions. Public availability of some property-level summaries could influence property values and insurance shopping.
Insurers and insurance consumers: Insurers and policyholders gain better transparency into loss patterns and claim histories; insurers may use the publicly available data for underwriting, pricing, or product design. Consumers gain information to compare risks but could face market reactions (e.g., changes in availability or pricing) indirectly influenced by public data.
Local governments and community planners: The community database provides a standardized, searchable data source to support hazard mitigation planning, floodplain management, infrastructure investment, and grant applications.
Researchers, journalists, and the public: Open-source tools and published datasets enable independent analysis of flood risk, program performance, mitigation effectiveness, and trends in multiple-loss properties.
Federal program administrators (NFIP/FEMA): Administrative burden increases because FEMA must collect, curate, protect, publish, document, and maintain open-source systems and ensure PII protections. Implementation requires technical capacity, data governance, and ongoing maintenance.
Potential benefits:
Potential drawbacks and risks:
Net effect:
Updated 1 week ago
Last progress September 26, 2025 (4 months ago)