A Democratic bill with 2 Republican cosponsors · See all 3 cosponsors
Last activity — Referred to the House Committee on Financial Services.
In committee
Introduced and handed to a committee in the chamber it started in.
The committee holds it, and most bills are never heard from again. A hearing or a committee vote would be news; silence is the usual outcome, and it kills the bill without anyone voting against it.
Its path through Congress
- Introduced
- In Committee
What this bill would do
This bill requires the Administrator of the Federal Emergency Management Agency to develop a flood insurance information tool. Within 12 months, the bill mandates that flood insurance policy declaration pages include current premiums, discounts, replacement costs, and rating factors. Insurers must also receive relevant property information from the Administrator starting 12 months after enactment. The online flood insurance information tool must be fully developed and accessible within 36 months. Additionally, the Comptroller General must publish a report analyzing potential expansions to the tool within 2 years of its completion.
Yes· 3 of 17
- Scored +8
Does this make what the government does easier for the public to see?
The bill significantly improves government transparency by requiring clear premium breakdowns, risk factors, and online informational tools from FEMA.
- Scored +6
Does this give people more protection from unfair business practices?
The bill greatly enhances consumer protection by mandating clear disclosures of flood insurance premiums, discounts, and replacement costs on policy declaration pages.
- Scored +4
Does this improve help for people hit by a disaster?
The legislation requires FEMA to develop tools and disclosures that improve information accessibility regarding flood risks and mitigation.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Greater Transparency on Policy Declarations: Under section 2 adding section 1313(a) of the National Flood Insurance Act of 1968, flood insurance declaration pages must explicitly list current premiums, applied discounts, replacement cost values, and available mitigation options, helping people clearly understand what they are paying for.
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Interactive Online Information Tool: Under section 2 adding section 1313(d) of the National Flood Insurance Act of 1968, the Administrator must develop an online tool allowing users to evaluate how specific adjustments and mitigation activities can reduce flood risks and decrease their insurance premiums.
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Public Online Statistical Data: Under section 2 adding section 1313(f) of the National Flood Insurance Act of 1968, the Administrator must publish annual online distributions of chargeable and full risk premium rates for every State, county, and ZIP Code, giving the public clear geographical insight into insurance rates.
Potential Negative Impacts for People
- Information Withholding Based on Privacy: Under section 2 adding section 1313(a)(4) and section 1313(d)(1)(E) of the National Flood Insurance Act of 1968, the release of specific property rating factors and rates is restricted if determined to be exempted under applicable statutes or in violation of personally identifiable information privacy requirements, which may limit the exact details available to certain individuals.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Tap or hover a score for the reason it gave.
- Demographic And Interest Groups
- Would business owners be better off under this? — Commercial property owners in flood zones benefit from enhanced transparency regarding insurance rates and risk factors. Would people in middle age be better off under this? — Middle-aged homeowners receive clearer disclosures and interactive tools to understand and mitigate flood insurance costs. Would middle-income households be better off under this? — Middle-class homeowners gain clearer policy details and online tools to evaluate how mitigation activities can reduce insurance premiums. Would retired people be better off under this? — Retirees owning properties in flood-prone areas benefit from improved cost transparency and information tools. Would people in rural areas be better off under this? — Rural residents in designated flood hazard areas benefit from clearer disclosures and risk reduction tools. Would people over 65 be better off under this? — Seniors on fixed incomes living in coastal or flood-prone regions benefit from clearer breakdowns of their insurance premiums and discounts. Would high-income households be better off under this? — High-income property owners benefit from transparent rating factors and replacement cost disclosures. Would households on low incomes be better off under this? — Low-income households in flood zones gain better visibility into potential discounts and mitigation options to lower insurance costs. Would people in cities be better off under this? — Urban residents in flood-prone metropolitan areas benefit from transparent geographical distribution data on flood insurance rates. Would people in their twenties and thirties be better off under this? — Young adults purchasing homes in flood-prone areas benefit from increased transparency and tools to assess flood risk costs.
- Governance And Ideology
- Does this make what the government does easier for the public to see? — The bill significantly improves government transparency by requiring clear premium breakdowns, risk factors, and online informational tools from FEMA. Does this give the federal government more power? — The bill places additional mandates on FEMA to develop information tools and standardized reporting requirements.
- Economy And Finance
- Does this give people more protection from unfair business practices? — The bill greatly enhances consumer protection by mandating clear disclosures of flood insurance premiums, discounts, and replacement costs on policy declaration pages. Is this likely to grow the economy? — The bill enhances transparency and information sharing regarding flood insurance, potentially aiding better financial planning and property investments. Does this make it easier to run a small business? — Small business owners holding properties in flood zones benefit from increased transparency in flood insurance policies and risk factors.
- Environment Energy And Infrastructure
- Does this improve help for people hit by a disaster? — The legislation requires FEMA to develop tools and disclosures that improve information accessibility regarding flood risks and mitigation.
- Social Issues And Justice
- Does this make housing cost less? — Transparency in flood insurance rates and risks can assist prospective buyers and renters in making informed housing choices.
- 6/29/2026
- Referred to the House Committee on Financial Services.
- 3 Cosponsors added.
- Introduced in House
Robert BresnahanRepublican · Pennsylvania
Troy CarterDemocrat · Louisiana
Mike EzellRepublican · Mississippi