Flood History Information Act of 2026
Sponsored By: Representative Rep. Dean, Madeleine [D-PA-4]
Introduced
Summary
Expanded flood insurance data sharing would let the National Flood Insurance Program share detailed policy and claims records with private insurers under data agreements. It would also give buyers, lessees, and current owners access to a property's flood-claims history and other risk details.
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- Private insurers that sign data-sharing agreements could receive property location, coverage amounts, dates of loss, claim payments, and other NFIP policy or claim details for underwriting, rate-setting, and claims handling. They must provide their own policy and claims data back to the NFIP and may not use the shared data for marketing.
- People buying, leasing, or owning a property could request the number and dollar value of claims for the property, factors related to causes of loss, whether prior federal disaster aid creates a mandatory purchase requirement, and other information the NFIP Administrator deems necessary to show true flood risk.
- The bill treats disclosures as routine uses under federal privacy law and lets the NFIP charge participating insurers fees that must be deposited into the National Flood Insurance Fund, while current property owners would not be charged for requests.
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Bill Overview
Analyzed Economic Effects
2 provisions identified: 1 benefits, 0 costs, 1 mixed.
Property flood history for buyers, renters
If enacted, the NFIP Administrator would provide property-specific flood insurance history when asked by a purchaser, lessee, or current owner. The report would cover the property you are under contract to buy or lease, or your current property. It would list the number and dollar value of claims, dates and factors related to cause of loss (including NFIP and private policies), and whether prior federal disaster help could trigger a mandatory flood-insurance requirement. The Administrator would not charge a fee to a current owner requesting this information.
NFIP data sharing with insurers
If enacted, the bill would create a Data Exchange Program letting the NFIP share specified policy and claim records with private insurance companies that sign data-sharing agreements. Shared data could include property location (address and latitude/longitude), coverage amounts, dates of loss, amounts paid, and other claims or policy details the Administrator deems appropriate. Agreements would limit insurer use to underwriting, setting premiums, and adjusting claims, prohibit marketing use, and require insurers to give their own policy and claims data to the Administrator. The Administrator could charge participating insurers fees to run the program, and those fees would be deposited into the National Flood Insurance Fund; disclosures would be treated as a routine use under the Privacy Act.
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Sponsors & CoSponsors
Sponsor
Rep. Dean, Madeleine [D-PA-4]
PA • D
Cosponsors
Garbarino
NY • R
Sponsored 2/4/2026
Roll Call Votes
No roll call votes available for this bill.
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