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119-s-2052119th CongressWALLET

Flood Insurance Transparency Act of 2025

Sponsored By: Senator Scott, Rick [R-FL]

Introduced

Summary

Public access to National Flood Insurance Program flood-risk data and models. This bill would create an open-source electronic system and a searchable community database that publish property-level risk, claims, and community compliance information.

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  • Families and homebuyers would be able to see property-level risk and claims details, and whether a property is a multiple-loss property or has been mitigated.
  • Local governments and planners would get a public community database showing compliance status, counts of properties built before and after the first flood insurance rate map, number of multiple-loss properties, and the share of the community in flood hazard areas. The database must be ready within one year.
  • Researchers, insurers, and housing markets would gain access to NFIP models, analytical tools, and historical policy and claims records to improve risk analysis and pricing.
  • The bill would require that disclosures protect personally identifiable information in line with federal privacy law.

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Bill Overview

Analyzed Economic Effects

1 provisions identified: 1 benefits, 0 costs, 0 mixed.

Public flood risk data for homeowners

This bill would require the NFIP Administrator to publish the data, models, and tools used to assess flood risk and set premiums. It would create an open-source electronic system for immediate public access to property-level risk, loss ratios, policy amounts and terms, and claim dates and amounts. The bill would require a searchable community database within one year of enactment showing community compliance, counts of properties built before and after the community's first flood insurance rate map, total claims outside flood zones, number of multiple-loss properties, and the portion of the community in special flood hazard areas (percent and square miles). Data would be provided at the ZIP Code or census-block level and must not reveal individual property owners' identities.

Sponsors & CoSponsors

Sponsor

Scott, Rick [R-FL]

FL • R

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

No roll call votes available for this bill.

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