Bill · H.R. 5607· House(119-HR-5607)
Flood Insurance Transparency Act of 2025
- Introduced
- 9/26/2025
- Last activity
- 9/26/2025 — Referred to the House Committee on Financial Services.
- Sponsored by
- W. Steube
- Cosponsors
- - 1 - 1
- Introduced
- In Committee
What this bill would do
The Flood Insurance Transparency Act of 2025 aims to amend the National Flood Insurance Act of 1968. It requires the Administrator to make specific flood risk information and data publicly available. This includes data on individual property risks, loss ratios, and policy or claims information. The bill also mandates the creation of an open source data system for immediate electronic access. Additionally, the Administrator must establish a searchable database for participating communities. This database will track community compliance, property counts in hazard areas, and the number of multiple-loss properties.
Yes· 3 of 8
Does this make what the government does easier for the public to see?+8
The bill requires the creation of an open source data system and a searchable database to make flood risk information widely available.
Does this improve help for people hit by a disaster?+5
The bill enhances the transparency and data availability of the National Flood Insurance Program, which is a key component of flood risk management.
Does this give people more protection from unfair business practices?+5
The bill increases transparency by providing public access to property-level flood risk and historical loss data.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Improved Research and Development: The Administrator must make all data, models, assessments, and analytical tools available to facilitate the program becoming a source of information for research and technology that better understands flooding and its predictability (Section 2(b)(1)).
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Increased Information Access: The creation of an open source data system allows the public to access required information on an immediate basis via electronic means (Section 2(b)(2)).
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Community Transparency: The establishment of a publicly searchable database will provide information on community compliance, including findings of noncompliance and the status of enforcement actions (Section 2(c)(1)).
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Detailed Risk Data: People can access information regarding whether properties were constructed before or after the first flood insurance rate map, and identify properties that have undergone mitigation actions like elevation or buyouts (Section 2(b)(1)(D) and (E)).
Potential Negative Impacts for People
- No specific negative impacts are explicitly mentioned in the provided text. The bill includes a provision to ensure that disclosed information does not reveal individually identifiable information about property owners, which serves as a protection (Section 2(e)).
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Environment Energy And Infrastructure
- Improves Disaster Relief And F E M A+5Improves Environmental Protections+4
- Governance And Ideology
- Improves Government Transparency+8
- Demographic And Interest Groups
- Good For Urban Residents+4Good For Low Income Households+3
- Economy And Finance
- Improves Consumer Protection+5
- Education And Technology
- Increases Scientific Research Funding+5
- Social Issues And Justice
- Improves Affordable Housing+3
- 10/21/2025
- 1 Cosponsor added.
- 9/26/2025
- Referred to the House Committee on Financial Services.
- 1 Cosponsor added.
- Introduced in House
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Troy CarterDemocrat · Louisiana
Jimmy PatronisRepublican · Florida