Flood Insurance Transparency Act of 2025

This bill makes flood insurance information easier for the public to see and use. It tells the program to share the data and tools it uses to set flood risk, flood heights, and insurance prices. This includes property-level risk data, policy amounts and terms, past claim dates and amounts, whether a home was built before or after the first flood map in its area, which homes were elevated or bought out, and which high-claim homes still haven’t been fixed. The data must be available online in an open system, while protecting people’s private details. Location details can go down to ZIP code or census block and must list the community and state.

The bill also requires a public, searchable database about each community in the program. It must show whether the community is following the rules, any enforcement actions and how long problems have lasted, how many homes in high-risk flood zones were built before and after the first flood map, the total number of claims outside high-risk zones, how many properties have multiple losses, and what share of the community lies in high-risk areas (by percent and by square miles). This database must be up within one year of the law taking effect.

• Key points
  • Who is affected: Homeowners, renters, researchers, local officials, and communities in the national flood insurance program.
  • What changes: Much more flood risk, policy, and claims data becomes public in an open online system; new community-by-community dashboard shows compliance and local flood exposure. Private personal info is still protected.
  • When: The community database must be live within one year after the law is enacted.