Summary

Requires the National Flood Insurance Program (NFIP) to publish broad flood-risk and program data, including the models, tools, and property- and community-level claims and policy information used to assess flood risk and set premiums. Data must be made available through an open-source, publicly searchable electronic system that excludes personally identifiable information and must include a community-level searchable database within one year of enactment.

• Mandates public release of NFIP flood-risk data, models, and analytical tools used to set elevations and premiums.
• Requires publishing limited current and historical policy and claims data, loss ratios, and property risk indicators.
• Defines terms such as loss ratio and multiple-loss property to guide disclosures.
• Creates an open-source, immediately accessible electronic data system for public use.
• Requires a searchable community-level database within one year, with ZIP-code or census-block detail.
• Data release must exclude personally identifiable information consistent with the Privacy Act.
• Focuses on transparency of NFIP decision inputs; it does not change coverage or pricing rules directly.
• Identifies mitigated properties and multiple-loss properties lacking mitigation for targeted visibility.