119-hr5607

[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.''.
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