# 119-hr-9511: NFIP Premium Transparency Act

119-hr-9511, NFIP Premium Transparency Act, is a 119th Congress bill sponsored by Rep. Fields, Cleo [D-LA-6] (D-LA); status introduced; PRIA reads it as touching household money (as of 2026-07-11).

- Canonical: https://policyrisk.com/legislation/119-hr-9511
- As of: 2026-07-11
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-9511
- Congress: 119
- Title: NFIP Premium Transparency Act
- Status: introduced
- Introduced: 2026-06-29
- Sponsor: Rep. Fields, Cleo [D-LA-6] (D-LA)
- Cosponsors: 3
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-07-11

## Summary

**Makes flood insurance costs and risk drivers far more transparent.** This bill would require detailed, standardized disclosures on National Flood Insurance Program policies and create a public, property-level online tool that explains premiums, rating factors, claims, and mitigation options. - Homeowners and prospective buyers would get line-by-line information on current premiums, discounts, replacement cost value, claim history, special-category status, mitigation options and estimated savings on declaration pages and in the online tool. - Insurers issuing NFIP policies would receive the same property-level data from the Administrator beginning 12 months after enactment to help explain rates and align underwriting. - The Administrator must provide a Flood Insurance Information Tool within 36 months with per-property pages, the ability to adjust time-varying risk variables, and annual area-level premium distributions by State, county, and ZIP. The Comptroller General will evaluate the tool 2 years after it is available and report on possible expansions, prospective buyer access, and additional data needs.

## Cosponsors (3)

- Rep. Carter, Troy A. [D-LA-2] (D-LA), 2026-06-29T00:00:00.000Z
- Rep. Bresnahan, Robert P. [R-PA-8] (R-PA), 2026-06-29T00:00:00.000Z
- Rep. Ezell, Mike [R-MS-4] (R-MS), 2026-06-29T00:00:00.000Z

## Provisions PRIA read

- Clearer flood insurance info for homeowners: benefit, low. If enacted, FEMA would have to put much more information on NFIP declaration pages within 12 months and make a public online tool within 36 months. The declaration page would show your current premium, discounts and why a premium is below full risk, years until full-risk under annual limits, mitiga…
- New data sharing and local premium stats: mixed, low. If enacted, FEMA would have to share property-level NFIP information with insurers that write NFIP policies starting 12 months after enactment. This would include items like premiums, rating factors, replacement cost values, and claim histories that FEMA holds. FEMA would also publish, within one y…

## Related bills

- 119-hr-9877: Health Equity and Accountability Act of 2026
- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-4275: Coast Guard Authorization Act of 2025
- 119-hr-4669: FEMA Act of 2025
- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hr-1262: Mikaela Naylon Give Kids a Chance Act

## Sources
- [119-hr-9511 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/9511)

## Related
- [119-hr-9877: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-hr-9877)
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-4275: Coast Guard Authorization Act of 2025](https://policyrisk.com/legislation/119-hr-4275)
- [119-hr-4669: FEMA Act of 2025](https://policyrisk.com/legislation/119-hr-4669)
- [119-hr-6644: 21st Century ROAD to Housing Act](https://policyrisk.com/legislation/119-hr-6644)
- [119-hr-1262: Mikaela Naylon Give Kids a Chance Act](https://policyrisk.com/legislation/119-hr-1262)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-9511 (as of 2026-07-11).