Congress opens NFIP flood data—private insurers may flee high-risk zones
S. 2052 — Flood Insurance Transparency Act of 2025 · Filed by Rick Scott (R-FL) · Introduced Jun 12, 2025 · Referred to committee
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What it does
This bill requires the National Flood Insurance Program (NFIP) to publicly release detailed flood risk data, claims history, and property-level information through an open-source database and searchable community portal. Homeowners, researchers, and insurers gain access to historical loss patterns, flood elevation models, and which properties have repeatedly flooded or been mitigated—enabling better flood risk assessment and technology development, while protecting individual names and addresses.
Why we flagged it
The bill's core mechanism is straightforward: mandate public disclosure of NFIP flood risk data, claims history, and community compliance information through open databases. It is a transparency and information-access measure, not a subsidy, deregulation, or carve-out.
What the text implies
- Disclosure of loss-ratio data and multiple-loss property identification may enable private insurers to cherry-pick low-risk properties and exit high-risk markets, potentially leaving NFIP as the insurer of last resort for the riskiest properties and driving up NFIP premiums for remaining policyholders.
- Open-source flood models and property-level risk data could accelerate private-sector flood insurance product development, potentially fragmenting the market and leaving lower-income homeowners in high-risk areas dependent on NFIP at higher cost.
The full analysis lists 4 implications of this text.
Who stands to gain
private flood insurance companies; reinsurance firms; real estate technology and data analytics firms