I 
119TH CONGRESS 
1ST SESSION H. R. 5607 
To amend the National Flood Insurance Act of 1968 to require that certain 
information is made publicly available, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
SEPTEMBER 26, 2025 
Mr. STEUBE (for himself and Mr. PATRONIS) introduced the following bill; 
which was referred to the Committee on Financial Services 
A BILL 
To amend the National Flood Insurance Act of 1968 to 
require that certain information is made publicly avail-
able, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Flood Insurance 
Transparency Act of 2025’’. 
SEC. 2. PUBLIC AVAILABILITY OF PROGRAM INFORMATION. 
Part C of chapter II of the National Flood Insurance 
Act of 1968 (42 U.S.C. 4081 et seq.) is amended by add-
ing at the end the following: 
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‘‘SEC. 1349. PUBLIC AVAILABILITY OF PROGRAM INFORMA-
TION. 
‘‘(a) DEFINITIONS.—In this section— 
‘‘(1) the term ‘loss ratio’ means, with respect to 
the national flood insurance program in a fiscal 
year, the ratio of the amount of claims paid under 
that program during that fiscal year to the amount 
of premiums paid under that program during that 
fiscal year; and 
‘‘(2) the term ‘multiple-loss property’ means— 
‘‘(A) a repetitive loss structure; or 
‘‘(B) a severe repetitive loss structure, as 
that term is defined in section 1366(h). 
‘‘(b) FLOOD RISK INFORMATION.— 
‘‘(1) IN GENERAL.—To facilitate the national 
flood insurance program becoming a source of infor-
mation and data for research and development of 
technology that better understands flooding, the risk 
of flooding, and the predictability of the perils of 
flooding, the Administrator shall make publicly 
available all data, models, assessments, analytical 
tools, and other information in the possession of the 
Administrator relating to that program under this 
title that is used in assessing flood risk or identi-
fying and establishing flood elevations and pre-
miums, including— 
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the community in which that property is lo-
cated; 
‘‘(E) identification of properties that have 
been mitigated through elevation, a buyout, or 
any other mitigation action; and 
‘‘(F) identification of multiple-loss prop-
erties with respect to which mitigation meas-
ures have not been undertaken. 
‘‘(2) OPEN SOURCE DATA SYSTEM.—In carrying 
out paragraph (1), the Administrator shall establish 
an open source data system by which all information 
required to be made publicly available by that para-
graph may be accessed by the public on an imme-
diate basis by electronic means. 
‘‘(c) COMMUNITY INFORMATION.—Not later than 1 
year after the date of enactment of this section, the Ad-
ministrator shall establish and maintain a publicly search-
able database that provides information about each com-
munity participating in the national flood insurance pro-
gram, which shall include the following information: 
‘‘(1) The status of the compliance by that com-
munity with the requirements of that program, in-
cluding any findings of noncompliance, the status of 
any enforcement actions initiated by a State or by 
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the Administrator, and the number of days of any 
such continuing noncompliance. 
‘‘(2) The number of properties located in areas 
having special flood hazards in the community that 
were built before the effective date of the first flood 
insurance rate map for the community. 
‘‘(3) The number of properties located in areas 
having special flood hazards in the community that 
were built after the effective date of the first flood 
insurance rate map for the community. 
‘‘(4) The total number of current and historical 
claims located outside areas having special flood haz-
ards in the community. 
‘‘(5) The total number of multiple-loss prop-
erties in the community. 
‘‘(6) The portion of the community, stated as a 
percentage and in terms of square miles, that is lo-
cated within areas having special flood hazards. 
‘‘(d) IDENTIFICATION OF PROPERTIES.—The infor-
mation provided pursuant to subsections (b) and (c) 
shall— 
‘‘(1) be based on data that identifies properties 
at the ZIP Code or census block level; and 
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‘‘(2) with respect to a property, include the 
name of the community and State in which the 
property is located. 
‘‘(e) PROTECTION OF PERSONALLY IDENTIFIABLE 
INFORMATION.—The information provided pursuant to 
subsections (b) and (c) shall be disclosed in a format that 
does not reveal individually identifiable information about 
property owners in accordance with section 552a of title 
5, United States Code.’’. 
Æ 
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