I 
119TH CONGRESS 
2D SESSION 
H. R. 7355 
To provide for the disclosure and sharing of certain policy and claims informa-
tion under the National Flood Insurance Program, and for other pur-
poses. 
IN THE HOUSE OF REPRESENTATIVES 
FEBRUARY 4, 2026 
Ms. DEAN of Pennsylvania (for herself and Mr. GARBARINO) 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 Insur-
ance Program, 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 History Infor-
mation Act of 2026’’. 
SEC. 2. DATA EXCHANGE PROGRAM. 
Section 1313 of the National Flood Insurance Act of 
1968 (42 U.S.C. 4020) is amended— 
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(1) by striking ‘‘The Administrator shall’’ and 
inserting the following: 
‘‘(a) AVAILABILITY OF FLOOD INSURANCE INFORMA-
TION.—The Administrator shall’’; and 
(2) by adding at the end the following new sub-
sections: 
‘‘(b) DATA EXCHANGE PROGRAM.— 
‘‘(1) IN
GENERAL.—The Administrator shall 
disclose policy and claims information described in 
paragraph (2) to an insurance company, as such 
term is defined in subsection (f), if such insurance 
company has entered into a data sharing agreement 
with the Administrator pursuant to paragraph (3). 
‘‘(2) DATA ELIGIBLE FOR SHARING.—The Ad-
ministrator shall disclose the following claims and 
policy information, obtained in connection with a 
flood insurance policy made available under this title 
or through a data sharing agreement executed pur-
suant to paragraph (3), pursuant to paragraph (1): 
‘‘(A) The location of the insured property, 
by address and latitude and longitude. 
‘‘(B) Amount of coverage in force. 
‘‘(C) Dates of loss. 
‘‘(D) The amount paid on claims. 
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‘‘(E) Any other claims and policy informa-
tion the Administrator determines necessary 
and appropriate. 
‘‘(3) DATA
SHARING
AGREEMENT.—A data 
sharing agreement entered into pursuant to para-
graph (1) shall include— 
‘‘(A) the terms and conditions under which 
insurance companies may use, share, store, and 
account for the data, which shall at minimum 
include provisions ensuring that— 
‘‘(i) the insurance company may only 
use information provided under the agree-
ment for the purposes of underwriting, es-
tablishing premium rates, and adjusting 
claims; and 
‘‘(ii) the insurance company may not 
use the information provided as part of the 
agreement for marketing purposes; 
‘‘(B) an agreement by the insurance com-
pany to provide to the Administrator the insur-
ance company’s policy and claims data in a 
form prescribed by the Administrator; and 
‘‘(C) any other terms and conditions the 
Administrator determines are necessary and ap-
propriate. 
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‘‘(c) ACCESS
TO
FLOOD
INSURANCE
INFORMA-
TION.—Upon the request of a purchaser, lessee, or current 
owner of a property, the Administrator shall provide to 
the purchaser, lessee, or current owner of the property in-
formation pertaining to the property the purchaser or les-
see is under contract to buy or lease, respectively, or the 
current owner’s property, as follows: 
‘‘(1) The number and dollar value of claims 
filed for the property, and factors related to the 
cause of loss, over the life of the property, as known 
to the Administrator, including claims made under— 
‘‘(A) a flood insurance policy made avail-
able under this Act; and 
‘‘(B) a private flood insurance policy. 
‘‘(2) Information on whether the property 
owner may be required to purchase flood insurance 
coverage due to previous receipt of Federal disaster 
assistance subject to the mandatory purchase re-
quirement under section 102 of the Flood Disaster 
Protection Act of 1973. 
‘‘(3) Such other available information about the 
property as determined by the Administrator to ac-
curately and adequately characterize the true flood 
risk to the property. 
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‘‘(d) PRIVACY PROTECTION.—Disclosure of informa-
tion contained within a system of records (as such term 
is defined in section 552a(a)(5) of title 5, United States 
Code) as authorized in subsections (b) and (c) of this sec-
tion shall be considered a routine use for the purposes of 
section 552a(3) of title 5, United States Code. 
‘‘(e) FEE.— 
‘‘(1) IN
GENERAL.—To carry out subsection 
(b), the Administrator may charge a fee to partici-
pating insurance companies under subsection (b). 
The Administrator shall not charge a fee to the cur-
rent owner requesting flood insurance information 
under subsection (c). 
‘‘(2) DEPOSIT.—The Administrator shall de-
posit the fee collected under this subsection into the 
National Flood Insurance Fund established under 
section 1310. 
‘‘(f) DEFINITION.—For the purposes of this section 
the following definitions shall apply: 
‘‘(1) INSURANCE COMPANY.—The term ‘insur-
ance company’ means an insurance company that 
meets the requirements of subparagraph (A) of sec-
tion 102(b)(7) of the Flood Disaster Protection Act 
of 1973 (42 U.S.C. 4012a(b)(7)(A)). 
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