Bill · S. 2052· Senate(119-S-2052)
Flood Insurance Transparency Act of 2025
- Introduced
- 6/12/2025
- Last activity
- 6/12/2025 — Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- Sponsored by
- Rick Scott
- Cosponsors
- None
- 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 data and information publicly available. This includes data regarding individual properties, loss ratios, and historical policy and claims information. The bill also mandates the creation of an open source data system for electronic access. Additionally, a searchable database must be established for participating communities to show compliance and flood hazard details.
Yes· 3 of 12
Does this make what the government does easier for the public to see?+8
The bill significantly enhances transparency by mandating the public release of flood risk, policy, and community compliance data.
Does this improve help for people hit by a disaster?+5
The act enhances disaster preparedness by increasing the transparency of flood risk and mitigation data.
Does this give people more protection from unfair business practices?+5
By increasing transparency in flood risk data, consumers can make more informed decisions regarding property purchases and insurance needs.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Increased Research and Development: Making data, models, and assessments public is intended to facilitate the national flood insurance program becoming a source of information for technology that better understands flooding and risk (Section 2(b)(1)).
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Public Access to Risk Information: The Administrator is required to establish an open source data system so the public can access information regarding flood risk, elevations, and premiums on an immediate basis (Section 2(b)(1) and (2)).
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Transparency of Property Mitigation: The bill requires the identification of properties that have been mitigated through actions like elevation or buyouts (Section 2(b)(1)(E)).
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Community Oversight: The Administrator must maintain a searchable database that provides information on whether a community is complying with program requirements, including any findings of noncompliance or enforcement actions (Section 2(c)(1)).
Potential Negative Impacts for People
- Limited Data Granularity: While information is provided, the data is limited to the ZIP Code or census block level, which may affect how specific individuals can use the information (Section 2(d)(1)).
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Governance And Ideology
- Improves Government Transparency+8Improves Privacy Rights+3Increases Federal Power+2
- Environment Energy And Infrastructure
- Improves Disaster Relief And F E M A+5Improves Environmental Protections+4
- Demographic And Interest Groups
- Good For Business Owners+3Good For Low Income Households+2Good For Middle Class Households+2
- Economy And Finance
- Improves Consumer Protection+5
- Education And Technology
- Improves Data Privacy+3Increases Scientific Research Funding+2
- Social Issues And Justice
- Improves Affordable Housing+3
- 6/12/2025
- Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- Introduced in Senate
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.