FEMA must show homeowners exactly what they're paying for flood insurance
H.R. 9511 — NFIP Premium Transparency Act · Filed by Cleo Fields (D-LA) · 3 cosponsors · Introduced Jun 29, 2026 · Referred to committee
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What it does
This bill requires FEMA to create an online tool showing homeowners detailed information about their flood insurance premiums, including what discounts they receive, how their property is rated, and what their premiums would be at full risk-based rates. It also mandates that flood insurance policy documents disclose this same information within 12 months, and requires FEMA to publish state-by-state premium statistics annually.
Why we flagged it
The bill's core function is mandating disclosure of flood insurance pricing and rating factors to policyholders and the public. It is a transparency and information-access measure, not a subsidy, deregulation, or carve-out.
What the text implies
- Disclosure of detailed rating factors (elevation, distance to water, building value, etc.) may enable property owners to identify and challenge perceived errors in FEMA's flood-risk assessments, potentially increasing appeals and administrative burden on FEMA.
- Public access to state/county/ZIP-code premium statistics may expose disparities in pricing across regions and demographics, potentially triggering political pressure for rate adjustments or subsidy expansion.
The full analysis lists 4 implications of this text.
Who stands to gain
construction and engineering firms (mitigation services); flood-resilience technology providers