Sponsors
The bill increases public access to property-level flood risk data to improve homeowner decisions, local planning, transparency, and private innovation, but it risks privacy concerns, higher insurance costs and market impacts, reputational harm to communities, and added federal implementation costs.
Homeowners and renters will have clearer, property-level flood risk and claims information to make more informed decisions about buying, building, and insuring property.
Local and state governments and community planners will get a searchable database showing NFIP compliance, special flood hazard zones, and counts of multiple-loss properties to guide planning and mitigation.
Taxpayers and policymakers gain greater transparency into NFIP pricing and program performance through published loss ratios, models, and analytical tools, improving oversight of fairness and solvency.
Homeowners and renters could face higher insurance costs or reduced property marketability if lenders or insurers use the published claims and mitigation data to reprice risk.
Public release of granular property-level data may raise privacy and personal-information concerns for property owners, even with Privacy Act protections.
FEMA will face added administrative and IT costs and implementation burdens to compile, anonymize, and maintain the database within the statutory timeframe, potentially requiring new funding or diverting resources.
Based on analysis of 2 sections of legislative text.
Requires FEMA to publish flood-risk and claims data, build an open-source public data system, and create a searchable community database with compliance and loss metrics.
Requires FEMA to publish the underlying data it uses to assess flood risk, set elevations, and set National Flood Insurance Program (NFIP) premiums, and to build an open-source electronic data system and a publicly searchable community database. The disclosures must include property- and community-level risk and claims data, loss-ratio and multiple-loss property identification, community compliance information, and certain historical policy/claim summaries, while protecting personally identifiable information under federal privacy law.
Introduced June 12, 2025 by Richard Lynn Scott · Last progress June 12, 2025