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Introduced September 9, 2025 by Troy Downing · Last progress September 9, 2025
Requires FEMA to modernize and improve National Flood Insurance Program (NFIP) rate maps by adding planimetric features and parcel identification data, meeting updated spatial-accuracy standards, publishing a national geospatial data repository, and coordinating with USGS to strengthen streamflow monitoring. It also mandates qualifications-based selection for mapping-related contractors and directs FEMA to set aside 5% of certain NFIP revenue each fiscal quarter to support creating and maintaining current flood maps.
The bill improves flood monitoring, mapping accuracy, and public access to hazard data—helping safety, planning, and resilience—but does so at the cost of potential higher insurance rates, privacy exposure, a dedicated diversion of NFIP revenue, and increased procurement costs/timelines.
At-risk communities (rural and urban) and homeowners receive improved flood monitoring and earlier warnings through expanded stream gage networks and faster real-time geospatial feeds, reducing loss of life and property.
Homeowners and renters get more accurate, property-level flood risk maps, enabling better insurance pricing, mitigation decisions, and land-use planning.
Local governments, planners, insurers, and the public gain direct access to a national geospatial repository for flood models and hazard data, improving transparency and local planning/insurance decisions.
Homeowners and renters could face higher NFIP premiums or be reclassified into higher-risk zones as more accurate maps update risk assessments, increasing housing costs and mortgage/insurance burdens.
Allocating 5% of specified NFIP revenue each quarter to mapping reduces funds available for other NFIP activities or claim payments, potentially shifting costs to taxpayers or policyholders.
Publication of parcel-level and ownership data increases privacy risks for homeowners by exposing sensitive property information.