Flood Insurance Transparency Act of 2025
Sponsored By: Representative Rep. Steube, W. Gregory [R-FL-17]
Introduced
Summary
Requires FEMA to publish detailed National Flood Insurance Program data and create an open-source, searchable community database. This bill would make property-level and community-level flood risk, claims, and policy information available to the public while protecting homeowners' personally identifiable information.
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- Families and homeowners would see property-level flood risk details, claims dates and amounts, whether a structure was built before or after the community's first flood insurance rate map, and whether mitigation like elevation or buyouts occurred.
- Local officials and planners would get a searchable database for each NFIP community showing compliance status and enforcement, counts of properties in special flood hazard areas built before or after the first map, totals of claims outside SFH, number of multiple-loss properties, and the share of the community in SFH as a percentage and in square miles.
- Researchers, insurers, real estate professionals, and the public would gain access to the NFIP's data, models, assessments, analytical tools, and loss ratio information used to assess risk and set premiums.
- The Administrator would be required to build an open-source data system for immediate electronic access and to establish the community-level searchable database not later than 1 year after enactment, with disclosed data at ZIP Code or census block level and privacy protections consistent with the Privacy Act.
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
Open flood risk data for homeowners
This bill would require the federal flood insurance program to publish the data it uses to set maps and premiums. You could see property-level risk, loss ratios, policy amounts and terms, and claim dates and paid amounts, including for past policies. Data would also show if a building predates the first flood map, which properties were mitigated, and multiple‑loss properties without mitigation. The agency would provide an open electronic system for immediate access and, within 1 year, a searchable community database. Results would appear at ZIP Code or census‑block level and include the community and State. Personal owner details would be hidden under the Privacy Act.
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Sponsors & CoSponsors
Sponsor
Rep. Steube, W. Gregory [R-FL-17]
FL • R
Cosponsors
Rep. Patronis, Jimmy [R-FL-1]
FL • R
Sponsored 9/26/2025
Rep. Carter, Troy A. [D-LA-2]
LA • D
Sponsored 10/21/2025
Roll Call Votes
No roll call votes available for this bill.
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