Sponsor
Richard Lynn Scott
Senator · R-FL
Senator · R-FL
The bill increases public, machine-readable flood-risk and NFIP performance transparency—helping homeowners, communities, and the private sector make better decisions and plan mitigation—at the cost of privacy risks, possible insurance/market impacts for listed properties, and additional FEMA implementation and administrative burdens.
Homeowners and renters gain access to clear, property-level flood risk, claims, and mitigation status data so they can make better-informed decisions about buying, building, or insuring property.
Communities and local officials get a searchable database showing NFIP compliance, special flood hazard zones, and counts of multiple-loss properties, improving local planning, mitigation, and resilience decisions.
Taxpayers and policymakers gain greater transparency into NFIP pricing and performance through published loss ratios, models, and analytical tools, enabling better evaluation of fairness and program solvency.
Disclosure of claims and mitigation status could cause higher insurance costs or reduced marketability for listed properties if lenders or insurers price risk based on the published data.
Public release of granular property-level data raises privacy and personal data concerns for property owners despite applicable Privacy Act protections.
FEMA will incur additional administrative and IT costs and face an implementation burden to compile, anonymize, and maintain the open database within one year, potentially diverting resources or requiring new funding.
Based on analysis of 2 sections of legislative text.
Requires FEMA to publish NFIP risk, claims, policy, mitigation, and community-compliance data in open, searchable systems and to protect PII.
Official title: Amend the National Flood Insurance Act of 1968 to require that certain information is made publicly available, and for other purposes.
Introduced June 12, 2025 by Richard Lynn Scott · Last progress June 12, 2025
Requires FEMA to publish the data and methods used to assess flood risk, set base flood elevations, and price National Flood Insurance Program (NFIP) premiums, and to build open, searchable public databases. Within one year the agency must create an open-source electronic data system and a publicly searchable community database showing property- and community-level risk metrics, claims and policy summaries, mitigation and mapping timing, loss-ratio calculations, and lists of multiple-loss properties, while protecting personally identifiable information.