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 tool's ability to model premium reductions from mitigation activities may incentivize property owners to invest in flood-resilience improvements, indirectly benefiting construction and engineering firms.
- Prospective homebuyers gaining access to detailed flood-risk and premium information before purchase may reduce demand for properties in high-risk zones, affecting property values and real-estate transactions in flood-prone areas.
Section numbers refer to the bill text the analysis read — linked under Primary records below.
Who it affects
Ordinary homeowners gain transparency into how their flood insurance premiums are calculated and what they would pay under full-risk pricing, enabling them to understand subsidies, compare costs, and make informed decisions about property purchases and mitigation. The bill imposes no new costs on citizens and creates no new restrictions on their rights or remedies.
Who stands to gain
- construction and engineering firms (mitigation services)
- flood-resilience technology providers
Named in the bill
Federal Emergency Management Agency (FEMA), National Flood Insurance Program (NFIP), Comptroller General of the United States, National Flood Insurance Act of 1968, Privacy Act of 1974
Where it stands
3 cosponsors: 2 Republicans, 1 Democrats.
- Jun 29, 2026 — Introduced · Congress.gov: “Introduced in House”
- Jun 29, 2026 — 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.
How this was measured
Analysis — Quorum's AI read the bill text published by Congress.gov (11,240 characters) on Aug 12, 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.
As of — page rendered 2026-10-20.
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