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The bill makes flood-risk information far more transparent—helping homeowners, planners, and innovators make better choices—while raising privacy, property-value, and administrative-cost risks that could fall on owners, policyholders, and taxpayers.
Homeowners and renters gain access to property-level flood risk and historical claims data, enabling better insurance choices and preparedness (e.g., mitigation, relocation, purchase decisions).
Local and state governments get searchable community-level metrics (SFHA share, property counts, claims distribution) to target mitigation, land-use planning, and infrastructure investment more effectively.
Consumers and taxpayers could benefit from increased rate-setting transparency if published loss-ratio and risk-driver data encourage fairer, more actuarially sound premiums.
Homeowners in higher-risk areas may see lower property values and/or higher insurance costs if claims and risk data become public and influence market perceptions and underwriting.
Public release of property-level (even de-identified) data could expose sensitive location-based information and raise privacy concerns for property owners.
Building, de-identifying, and publishing complex NFIP datasets and maintaining an open-source system within one year could impose administrative costs that are ultimately borne by taxpayers or policyholders.
Introduced June 12, 2025 by Richard Lynn Scott · Last progress June 12, 2025
Requires the National Flood Insurance Program (NFIP) to make nearly all flood-risk data, models, assessments, and analytical tools publicly available in an open-source, searchable electronic system and to publish a community-level database of compliance, hazard, and claims metrics. Defines key terms (loss ratio and multiple-loss property), sets data granularity requirements (ZIP code or census block plus community and State names), and mandates privacy protections so personal identifiers are not disclosed. The NFIP must create the searchable public database within one year of the law taking effect.