Flood History Information Act of 2026

This bill changes the National Flood Insurance Program to set up a data exchange with private insurance companies. FEMA's Administrator would share flood policy and claims information, such as property location, coverage amounts, dates of loss, and claim payments, with insurers that sign a data sharing agreement. Those insurers could use the data only for underwriting, setting premium rates, and adjusting claims, not for marketing, and must give their own policy and claims data to the Administrator. On request, buyers, renters, and current owners of a property could get its flood claims history and information on whether flood insurance may be required because of past federal disaster aid. The Administrator could charge participating insurers a fee, deposited into the National Flood Insurance Fund, but could not charge current owners who request information.

Full text and official record on Congress.gov

Sponsors

• Madeleine Dean Democrat sponsor
• 1 cosponsors