II 

117TH CONGRESS 

1ST SESSION S. 2916 

To amend the National Flood Insurance Act of 1968 to require that certain 

information is made publicly available, and for other purposes. 

IN THE SENATE OF THE UNITED STATES 

SEPTEMBER 30, 2021 

Mr. SCOTT of Florida introduced the following bill; which was read twice and 

referred to the Committee on Banking, Housing, and Urban Affairs 

A BILL 

To amend the National Flood Insurance Act of 1968 to 

require that certain information is made publicly available, 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 Insurance 

5 Transparency Act of 2021’’. 

6 SEC. 2. PUBLIC AVAILABILITY OF PROGRAM INFORMATION. 

7 Part C of chapter II of the National Flood Insurance 

8 Act of 1968 (42 U.S.C. 4081 et seq.) is amended by add9 ing at the end the following: 


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1 ‘‘SEC. 1349. PUBLIC AVAILABILITY OF PROGRAM INFORMA2 TION. 

3 ‘‘(a) DEFINITIONS.—In this section— 

4 ‘‘(1) the term ‘loss ratio’ means, with respect to 

5 the national flood insurance program in a fiscal 

6 year, the ratio of the amount of claims paid under 

7 that program during that fiscal year to the amount 

8 of premiums paid under that program during that 

9 fiscal year; and 

10 ‘‘(2) the term ‘multiple-loss property’ means— 

11 ‘‘(A) a repetitive loss structure; or 

12 ‘‘(B) a severe repetitive loss structure, as 

13 that term is defined in section 1366(h). 

14 ‘‘(b) FLOOD RISK INFORMATION.— 

15 ‘‘(1) IN GENERAL.—To facilitate the national 

16 flood insurance program becoming a source of infor17 mation and data for research and development of 

18 technology that better understands flooding, the risk 

19 of flooding, and the predictability of the perils of 

20 flooding, the Administrator shall make publicly 

21 available all data, models, assessments, analytical 

22 tools, and other information in the possession of the 

23 Administrator relating to that program under this 

24 title that is used in assessing flood risk or identi25 fying and establishing flood elevations and pre26 miums, including— 


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1 ‘‘(A) data relating to risk on individual 

2 properties, loss ratio information, and other in3 formation identifying losses under that pro4 gram; 

5 ‘‘(B) current and historical policy informa6 tion, limited to the amount and term only, for 

7 properties covered by flood insurance under the 

8 national flood insurance program (as of the 

9 date on which the information is made avail10 able) and for properties that are no longer cov11 ered by flood insurance under the national flood 

12 insurance program (as of the date on which the 

13 information is made available); 

14 ‘‘(C) current and historical claims informa15 tion, limited to the date and amount paid only, 

16 for properties covered by flood insurance under 

17 the national flood insurance program (as of the 

18 date on which the information is made avail19 able) and for properties that are no longer cov20 ered by flood insurance under the national flood 

21 insurance program (as of the date on which the 

22 information is made available); 

23 ‘‘(D) identification of whether a property 

24 was constructed before or after the effective 

25 date of the first flood insurance rate map for 


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1 the community in which that property is lo2 cated; 

3 ‘‘(E) identification of properties that have 

4 been mitigated through elevation, a buyout, or 

5 any other mitigation action; and 

6 ‘‘(F) identification of multiple-loss prop7 erties with respect to which mitigation meas8 ures have not been undertaken. 

9 ‘‘(2) OPEN SOURCE DATA SYSTEM.—In carrying 

10 out paragraph (1), the Administrator shall establish 

11 an open source data system by which all information 

12 required to be made publicly available by that para13 graph may be accessed by the public on an imme14 diate basis by electronic means. 

15 ‘‘(c) COMMUNITY INFORMATION.—Not later than 1 

16 year after the date of enactment of this section, the Ad17 ministrator shall establish and maintain a publicly search18 able database that provides information about each com19 munity participating in the national flood insurance pro20 gram, which shall include the following information: 

21 ‘‘(1) The status of the compliance by that com22 munity with the requirements of that program, in23 cluding any findings of noncompliance, the status of 

24 any enforcement actions initiated by a State or by 


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1 the Administrator, and the number of days of any 

2 such continuing noncompliance. 

3 ‘‘(2) The number of properties located in areas 

4 having special flood hazards in the community that 

5 were built before the effective date of the first flood 

6 insurance rate map for the community. 

7 ‘‘(3) The number of properties located in areas 

8 having special flood hazards in the community that 

9 were built after the effective date of the first flood 

10 insurance rate map for the community. 

11 ‘‘(4) The total number of current and historical 

12 claims located outside areas having special flood haz13 ards in the community. 

14 ‘‘(5) The total number of multiple-loss prop15 erties in the community. 

16 ‘‘(6) The portion of the community, stated as a 

17 percentage and in terms of square miles, that is lo18 cated within areas having special flood hazards. 

19 ‘‘(d) IDENTIFICATION OF PROPERTIES.—The infor20 mation provided pursuant to subsections (b) and (c) 

21 shall— 

22 ‘‘(1) be based on data that identifies properties 

23 at the zip code or census block level; and 


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1 ‘‘(2) with respect to a property, include the 

2 name of the community and State in which the 

3 property is located. 

4 ‘‘(e) PROTECTION OF PERSONALLY IDENTIFIABLE

5 INFORMATION.—The information provided pursuant to 

6 subsections (b) and (c) shall be disclosed in a format that 

7 does not reveal individually identifiable information about 

8 property owners in accordance with section 552a of title 

9 5, United States Code.’’. 

Æ 


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