FEMA must show homeowners what they pay 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
The bill requires FEMA to build an online tool. The tool shows homeowners details about their flood insurance bills. It shows what discounts they get and how their property is rated. Flood insurance papers must also show this information within 12 months. FEMA must publish state-by-state premium numbers every year.
Who it affects
Homeowners will see exactly how their flood insurance premiums are calculated. They will learn what they would pay at full rates. The bill does not add new costs or take away rights.
One thing to notice
Homeowners will see what their flood insurance would cost without discounts. Homebuyers will see flood risk and premium details before buying.
From the analysis of the bill text, linked under Primary records below.
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.
Words to know
- premiums — The money people pay for insurance each month or year.
- FEMA — The Federal Emergency Management Agency, which runs flood insurance.
- discounts — Reductions in the price people pay for insurance.
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 14,707 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 2026-09-23.
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