I 

118TH CONGRESS 

2D SESSION H. R. 7537 

To provide for the disclosure and sharing of certain policy and claims information under the National Flood Insurance Program, and for other purposes. 

IN THE HOUSE OF REPRESENTATIVES 

MARCH 5, 2024 

Ms. DEAN of Pennsylvania (for herself, Mr. GARBARINO, and Ms. WEXTON) 

introduced the following bill; which was referred to the Committee on Financial Services 

A BILL 

To provide for the disclosure and sharing of certain policy 

and claims information under the National Flood Insurance Program, and for other purposes. 

1 Be it enacted by the Senate and House of Representa2 tives of the United States of America in Congress assembled, 

3 SECTION 1. SHORT TITLE. 

4 This Act may be cited as the ‘‘Flood History Infor5 mation Act of 2024’’. 

6 SEC. 2. DATA EXCHANGE PROGRAM. 

7 Section 1313 of the National Flood Insurance Act of 

8 1968 (42 U.S.C. 4020) is amended— 


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1 (1) by inserting after the section enumerator 

2 the following: ‘‘(a) AVAILABILITY OF FLOOD INSUR3 ANCE INFORMATION.—’’; and 

4 (2) by adding at the end the following new sub5 sections: 

6 ‘‘(b) DATA EXCHANGE PROGRAM.— 

7 ‘‘(1) IN GENERAL.—The Administrator shall 

8 disclose policy and claims information described in 

9 paragraph (2) to an insurance company, as such 

10 term is defined in subsection (f), if such insurance 

11 company has entered into a data sharing agreement 

12 with the Administrator pursuant to paragraph (3). 

13 ‘‘(2) DATA ELIGIBLE FOR SHARING.—The Ad14 ministrator shall disclose the following claims and 

15 policy information, obtained in connection with a 

16 flood insurance policy made available under this title 

17 or through a data sharing agreement executed pur18 suant to paragraph (3), pursuant to paragraph (1): 

19 ‘‘(A) The location of the insured property, 

20 by address and latitude and longitude). 

21 ‘‘(B) Amount of coverage in force. 

22 ‘‘(C) Dates of loss. 

23 ‘‘(D) The amount paid on claims. 


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1 ‘‘(E) Any other claims and policy informa2 tion the Administrator determines necessary 

3 and appropriate. 

4 ‘‘(3) DATA SHARING AGREEMENT.—A data 

5 sharing agreement entered into pursuant to para6 graph (1) shall include— 

7 ‘‘(A) the terms and conditions under which 

8 insurance companies may use, share, store, and 

9 account for the data, which shall at minimum 

10 include provisions ensuring that— 

11 ‘‘(i) the insurance company may only 

12 use information provided under the agree13 ment for the purposes of underwriting, es14 tablishing premium rates, and adjusting 

15 claims; and 

16 ‘‘(ii) the insurance company may not 

17 use the information provided as part of the 

18 agreement for marketing purposes; 

19 ‘‘(B) an agreement by the insurance com20 pany to provide to the Administrator the insur21 ance company’s policy and claims data in a 

22 form prescribed by the Administrator; and 

23 ‘‘(C) any other terms and conditions the 

24 Administrator determines are necessary and ap25 propriate. 


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1 ‘‘(c) ACCESS TO FLOOD INSURANCE INFORMA2 TION.—Upon the request of a purchaser, lessee, or current 

3 owner of a property, the Administrator shall provide to 

4 the purchaser, lessee, or current owner of the property in5 formation pertaining to the property the purchaser or les6 see is under contract to buy or lease, respectively, or the 

7 current owner’s property, as follows: 

8 ‘‘(1) The number and dollar value of claims 

9 filed for the property, and factors related to the 

10 cause of loss, over the life of the property, as known 

11 to the Administrator, including claims made under— 

12 ‘‘(A) a flood insurance policy made avail13 able under this Act; and 

14 ‘‘(B) a private flood insurance policy. 

15 ‘‘(2) Information on whether the property 

16 owner may be required to purchase flood insurance 

17 coverage due to previous receipt of Federal disaster 

18 assistance subject to the mandatory purchase re19 quirement under section 102 of the Flood Disaster 

20 Protection Act of 1973. 

21 ‘‘(3) Such other available information about the 

22 property as determined by the Administrator to ac23 curately and adequately characterize the true flood 

24 risk to the property. 


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1 ‘‘(d) PRIVACY PROTECTION.—Disclosure of informa2 tion contained within a system of records (as such term 

3 is defined in section 552a(a)(5) of title 5, United States 

4 Code) as authorized in subsections (b) and (c) of this sec5 tion shall be considered a routine use for the purposes of 

6 section 552a(3) of title 5, United States Code. 

7 ‘‘(e) FEE.— 

8 ‘‘(1) IN GENERAL.—To carry out subsection 

9 (b), the Administrator may charge a fee to partici10 pating insurance companies under subsection (b). 

11 The Administrator shall not charge a fee to the cur12 rent owner requesting flood insurance information 

13 under subsection (c). 

14 ‘‘(2) DEPOSIT.—The Administrator shall de15 posit the fee collected under this subsection into the 

16 National Flood Insurance Fund established under 

17 section 1310. 

18 ‘‘(f) DEFINITION.—For the purposes of this section 

19 the following definitions shall apply: 

20 ‘‘(1) INSURANCE COMPANY.—The term ‘insur21 ance company’ means an insurance company that 

22 meets the requirements of subparagraph (A) of sec23 tion 102(b)(7) of the Flood Disaster Protection Act 

24 of 1973 (42 U.S.C. 4012a(b)(7)(A). 


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1 ‘‘(2) LESSEE.—The term ‘lessee’ means a per2 son who enters into an agreement to lease, rent, or 

3 sublease a property. 

4 ‘‘(3) PURCHASER.—The term ‘purchaser’ 

5 means a person or entity that enters into an agree6 ment to purchase an interest in a property.’’. 

Æ 


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