Flood Insurance Transparency Act of 2025

Flood Insurance Transparency Act of 2025 would amend the National Flood Insurance Act of 1968 to dramatically increase public access to National Flood Insurance Program (NFIP) data. The bill requires the NFIP Administrator to publicly release data, models, and tools used to assess flood risk, set elevations, and determine premiums. It also creates an open-source data system for immediate public access and mandates a publicly searchable database for each NFIP community within one year, detailing compliance, SFHA (Special Flood Hazard Areas) properties, claims, and mitigation status. Importantly, the bill seeks to balance transparency with privacy by limiting the release of personally identifiable information (PII) in accordance with the Privacy Act. Purpose and potential impact: The aim is to make NFIP information a resource for researchers, policymakers, and the public to better understand flood risk and the program’s performance. Potential impacts include improved research capabilities, greater community-level visibility into risk and compliance, potential effects on real estate and insurance markets, and additional administrative obligations on the NFIP and participating communities. Data are limited to non-PII or de-identified formats to protect individual property owners.