Bill · H.R. 9511· House(119-HR-9511)
NFIP Premium Transparency Act
- Introduced
- 6/29/2026
- Last activity
- 6/29/2026 — Referred to the House Committee on Financial Services.
- Sponsored by
- Cleo Fields
- Cosponsors
- - 1 - 2
- Introduced
- In Committee
What this bill would do
This bill requires the Administrator of the Federal Emergency Management Agency to develop a flood insurance information tool. Within 12 months, the bill mandates that flood insurance policy declaration pages include current premiums, discounts, replacement costs, and rating factors. Insurers must also receive relevant property information from the Administrator starting 12 months after enactment. The online flood insurance information tool must be fully developed and accessible within 36 months. Additionally, the Comptroller General must publish a report analyzing potential expansions to the tool within 2 years of its completion.
Yes· 3 of 17
Does this make what the government does easier for the public to see?+8
The bill significantly improves government transparency by requiring clear premium breakdowns, risk factors, and online informational tools from FEMA.
Does this give people more protection from unfair business practices?+6
The bill greatly enhances consumer protection by mandating clear disclosures of flood insurance premiums, discounts, and replacement costs on policy declaration pages.
Does this improve help for people hit by a disaster?+4
The legislation requires FEMA to develop tools and disclosures that improve information accessibility regarding flood risks and mitigation.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Greater Transparency on Policy Declarations: Under section 2 adding section 1313(a) of the National Flood Insurance Act of 1968, flood insurance declaration pages must explicitly list current premiums, applied discounts, replacement cost values, and available mitigation options, helping people clearly understand what they are paying for.
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Interactive Online Information Tool: Under section 2 adding section 1313(d) of the National Flood Insurance Act of 1968, the Administrator must develop an online tool allowing users to evaluate how specific adjustments and mitigation activities can reduce flood risks and decrease their insurance premiums.
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Public Online Statistical Data: Under section 2 adding section 1313(f) of the National Flood Insurance Act of 1968, the Administrator must publish annual online distributions of chargeable and full risk premium rates for every State, county, and ZIP Code, giving the public clear geographical insight into insurance rates.
Potential Negative Impacts for People
- Information Withholding Based on Privacy: Under section 2 adding section 1313(a)(4) and section 1313(d)(1)(E) of the National Flood Insurance Act of 1968, the release of specific property rating factors and rates is restricted if determined to be exempted under applicable statutes or in violation of personally identifiable information privacy requirements, which may limit the exact details available to certain individuals.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Business Owners+2Good For Middle Aged+2Good For Middle Class Households+2Good For Retirees+2Good For Rural Residents+2Good For Seniors+2Good For High Income Households+1Good For Low Income Households+1Good For Urban Residents+1Good For Young Adults+1
- Governance And Ideology
- Improves Government Transparency+8Increases Federal Power+1
- Economy And Finance
- Improves Consumer Protection+6Improves Economic Growth+1Improves Small Business Support+1
- Environment Energy And Infrastructure
- Improves Disaster Relief And F E M A+4
- Social Issues And Justice
- Improves Affordable Housing+2
- 6/29/2026
- Referred to the House Committee on Financial Services.
- 3 Cosponsors added.
- Introduced in House
Robert BresnahanRepublican · Pennsylvania
Troy CarterDemocrat · Louisiana
Mike EzellRepublican · Mississippi