Flood Insurance Transparency Act of 2025

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 5607 Introduced in House (IH)] <DOC> 119th CONGRESS 1st Session H. R. 5607 To amend the National Flood Insurance Act of 1968 to require that certain information is made publicly available, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES September 26, 2025 Mr. Steube (for himself and Mr. Patronis) introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To amend the National Flood Insurance Act of 1968 to require that certain information is made publicly available, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Flood Insurance Transparency Act of 2025''. SEC. 2. PUBLIC AVAILABILITY OF PROGRAM INFORMATION. Part C of chapter II of the National Flood Insurance Act of 1968 (42 U.S.C. 4081 et seq.) is amended by adding at the end the following: ``SEC. 1349. PUBLIC AVAILABILITY OF PROGRAM INFORMATION. ``(a) Definitions.--In this section-- ``(1) the term `loss ratio' means, with respect to the national flood insurance program in a fiscal year, the ratio of the amount of claims paid under that program during that fiscal year to the amount of premiums paid under that program during that fiscal year; and ``(2) the term `multiple-loss property' means-- ``(A) a repetitive loss structure; or ``(B) a severe repetitive loss structure, as that term is defined in section 1366(h). ``(b) Flood Risk Information.-- ``(1) In general.--To facilitate the national flood insurance program becoming a source of information and data for research and development of technology that better understands flooding, the risk of flooding, and the predictability of the perils of flooding, t