Sponsors (2)
The bill improves flood maps, real‑time monitoring, and public flood data to boost safety, planning, and innovation, but it raises privacy and misuse risks, diverts a portion of NFIP funds, and imposes costs and implementation burdens that may delay benefits.
Homeowners and renters will have access to more accurate, parcel-level flood maps updated on a regular schedule and built to modern geodetic/GIS standards, improving property decision-making and insurance risk awareness.
Local governments and communities (including rural areas) will get denser stream gage networks and real‑time data, improving flood forecasting, warnings, and emergency response capability.
Taxpayers and property owners benefit from a dedicated, predictable revenue stream—5% of NFIF receipts quarterly—earmarked for mapping, which helps ensure ongoing map updates and maintenance.
Policyholders and taxpayers could see less money available for other NFIP purposes because dedicating 5% of NFIF revenue to mapping reduces the pool for payouts or other program needs, potentially affecting program solvency or benefits.
Homeowners and renters face increased privacy and security risks because public disclosure of parcel-level records that include owner names and addresses makes personal information widely available.
Homeowners and local governments could be targeted or defrauded if enhanced, publicly available parcel and flood data are exploited by bad actors and adequate safeguards are not implemented.
Based on analysis of 2 sections of legislative text.
Requires FEMA to add parcel and planimetric data to NFIP rate maps, adopt NSRS2022 standards, publish a public geospatial repository, densify stream gages, and fund mapping with recurring NFIP transfers.
Official title: To provide for improvements to National Flood Insurance Program rate maps, and for other purposes.
Introduced September 9, 2025 by Troy Downing · Last progress September 9, 2025
Requires FEMA to improve and modernize National Flood Insurance Program (NFIP) rate maps by adding planimetric features, parcel identification data, and addresses where practicable; to update maps to the National Spatial Reference System 2022 within five years of its completion; and to publish a national public geospatial data repository. It also directs FEMA to coordinate with USGS to maintain and densify streamflow monitoring, requires periodic verification of map data, mandates qualifications‑based selection for certain contracts, and directs quarterly transfers equal to 5% of specified NFIP revenue into map creation/maintenance from the National Flood Insurance Fund.