No official summary available for this bill.
[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 5607 Introduced in House (IH)]
<DOC>
119th CONGRESS
1st Session
H. R. 5607
To amend the National Flood Insurance Act of 1968 to require that
certain information is made publicly available, and for other purposes.
_______________________________________________________________________
IN THE HOUSE OF REPRESENTATIVES
September 26, 2025
Mr. Steube (for himself and Mr. Patronis) introduced the following
bill; which was referred to the Committee on Financial Services
_______________________________________________________________________
A BILL
To amend the National Flood Insurance Act of 1968 to require that
certain information is made publicly available, and for other purposes.
Be it enacted by the Senate and House of Representatives of the
United States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the ``Flood Insurance Transparency Act of
2025''.
SEC. 2. PUBLIC AVAILABILITY OF PROGRAM INFORMATION.
Part C of chapter II of the National Flood Insurance Act of 1968
(42 U.S.C. 4081 et seq.) is amended by adding at the end the following:
``SEC. 1349. PUBLIC AVAILABILITY OF PROGRAM INFORMATION.
``(a) Definitions.--In this section--
``(1) the term `loss ratio' means, with respect to the
national flood insurance program in a fiscal year, the ratio of
the amount of claims paid under that program during that fiscal
year to the amount of premiums paid under that program during
that fiscal year; and
``(2) the term `multiple-loss property' means--
``(A) a repetitive loss structure; or
``(B) a severe repetitive loss structure, as that
term is defined in section 1366(h).
``(b) Flood Risk Information.--
``(1) In general.--To facilitate the national flood
insurance program becoming a source of information and data for
research and development of technology that better understands
flooding, the risk of flooding, and the predictability of the
perils of flooding, the Administrator shall make publicly
available all data, models, assessments, analytical tools, and
other information in the possession of the Administrator
relating to that program under this title that is used in
assessing flood risk or identifying and establishing flood
elevations and premiums, including--
``(A) data relating to risk on individual
properties, loss ratio information, and other
information identifying losses under that program;
``(B) current and historical policy information,
limited to the amount and term only, for properties
covered by flood insurance under the national flood
insurance program (as of the date on which the
information is made available) and for properties that
are no longer covered by flood insurance under the
national flood insurance program (as of the date on
which the information is made available);
``(C) current and historical claims information,
limited to the date and amount paid only, for
properties covered by flood insurance under the
national flood insurance program (as of the date on
which the information is made available) and for
properties that are no longer covered by flood
insurance under the national flood insurance program
(as of the date on which the information is made
available);
``(D) identification of whether a property was
constructed before or after the effective date of the
first flood insurance rate map for the community in
which that property is located;
``(E) identification of properties that have been
mitigated through elevation, a buyout, or any other
mitigation action; and
``(F) identification of multiple-loss properties
with respect to which mitigation measures have not been
undertaken.
``(2) Open source data system.--In carrying out paragraph
(1), the Administrator shall establish an open source data
system by which all information required to be made publicly
available by that paragraph may be accessed by the public on an
immediate basis by electronic means.
``(c) Community Information.--Not later than 1 year after the date
of enactment of this section, the Administrator shall establish and
maintain a publicly searchable database that provides information about
each community participating in the national flood insurance program,
which shall include the following information:
``(1) The status of the compliance by that community with
the requirements of that program, including any findings of
noncompliance, the status of any enforcement actions initiated
by a State or by the Administrator, and the number of days of
any such continuing noncompliance.
``(2) The number of properties located in areas having
special flood hazards in the community that were built before
the effective date of the first flood insurance rate map for
the community.
``(3) The number of properties located in areas having
special flood hazards in the community that were built after
the effective date of the first flood insurance rate map for
the community.
``(4) The total number of current and historical claims
located outside areas having special flood hazards in the
community.
``(5) The total number of multiple-loss properties in the
community.
``(6) The portion of the community, stated as a percentage
and in terms of square miles, that is located within areas
having special flood hazards.
``(d) Identification of Properties.--The information provided
pursuant to subsections (b) and (c) shall--
``(1) be based on data that identifies properties at the
ZIP Code or census block level; and
``(2) with respect to a property, include the name of the
community and State in which the property is located.
``(e) Protection of Personally Identifiable Information.--The
information provided pursuant to subsections (b) and (c) shall be
disclosed in a format that does not reveal individually identifiable
information about property owners in accordance with section 552a of
title 5, United States Code.''.
<all>
Introduced in House
Introduced in House
Referred to the House Committee on Financial Services.
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