Flood Insurance Program forced to reveal risk data, claims patterns to public
H.R. 5607 — Flood Insurance Transparency Act of 2025 · Filed by W. Steube (R-FL) · 2 cosponsors · Introduced Sep 26, 2025 · Referred to committee
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What it does
This bill requires the National Flood Insurance Program to publish detailed data about flood risk, claims, and properties online in a searchable format—including loss ratios, individual property risk data, policy and claims history, and information about repetitive-loss properties—while protecting homeowners' personal identity. It also mandates a public database showing each community's compliance with flood insurance rules and the prevalence of flood-prone construction.
Why we flagged it
The bill's core mechanism is a disclosure requirement—it compels the federal flood insurance administrator to publish previously internal data in searchable, machine-readable formats. This is a transparency and accountability measure, not a subsidy, deregulation, or private benefit.
What the text implies
- Public access to property-level flood risk data may increase insurance costs or reduce property values in high-risk areas as buyers and lenders gain better information.
- Identification of repetitive-loss and severe-repetitive-loss properties may create a public stigma or market disadvantage for those properties, potentially affecting resale value.
- The open-source data system may enable third-party risk models and insurance products that compete with or undermine the National Flood Insurance Program's pricing.
- Community compliance database may expose local governments to litigation or federal enforcement actions based on publicly visible noncompliance records.
Section numbers refer to the bill text the analysis read — linked under Primary records below.
Who it affects
Citizens gain transparency into flood risk, insurance claims patterns, and community compliance—enabling informed property decisions, research into flood mitigation, and public accountability. The bill protects personal identity while disclosing aggregate and property-level risk data, shifting power from the program administrator to the public.
Who stands to gain
- research institutions and technology developers (access to flood modeling data)
- private flood insurance companies (competitive intelligence on NFIP risk data)
Named in the bill
National Flood Insurance Program (NFIP), Federal Emergency Management Agency (FEMA) Administrator, repetitive loss structures, severe repetitive loss structures, flood insurance rate maps, special flood hazards areas
Where it stands
2 cosponsors: 1 Democrats, 1 Republicans.
- Sep 26, 2025 — Introduced · Congress.gov: “Introduced in House”
- Sep 26, 2025 — Referred to House Committee on Financial Services · Congress.gov: “Referred to the House Committee on Financial Services”
Dates and quoted wording are Congress.gov's action record; the timeline shows status changes, not every procedural step.
Money around this bill
1 lobbying clients named this bill on 2 disclosure filings across 2 quarters, Dec 2025 to Jun 2026. Those filings disclosed $3,540,000 in lobbying spend. A filing names 135 bills on average, so that figure is what each filing reported, not a share belonging to this bill.
More lobbying clients named this bill than 0% of bills with at least one filing.
W. Steube, the sponsor, reported $646,500 in PAC receipts in the 2026 cycle.
- American Property Casualty Insurance Association — $3,540,000 on 2 filings
Lobbying Disclosure Act filings through Jul 22, 2026. A filing shows who paid to lobby on a bill it names, not what changed.
How this was measured
Analysis — Quorum's AI read the bill text published by Congress.gov (4,886 characters) on May 19, 2026. Section numbers in the findings refer to that text, linked below; transparency and hidden-provision scores are compared against the median of 16,222 analysed bills.
Status and sponsors — Congress.gov's bill record — actions, committee referrals and cosponsors — loaded nightly. The timeline shows status changes, not every procedural action.
Money — Senate Lobbying Disclosure Act filings whose specific-issue field names this bill for quarters ending Dec 2025 to Jun 2026. A filing's amount is reported whole beside the median number of bills a filing names; it is never divided across them. PAC receipts are FEC-reported contributions to the sponsor's candidate committee in the 2026 cycle.
As of — lobbying records through Jul 22, 2026 · page rendered 2026-10-20.
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