Bills · S 2052
IN COMMITTEE· 119TH CONGRESS
Senate BillS 2052Finance and Financial Sector
Flood Insurance Transparency Act of 2025
INTRO JUN 12· LAST ACTION JUN 12
READING
4MIN
COSPONSORS
0
READER REACTIONS0 TOTAL
NO VOTES YET · BE THE FIRST
- Introduced only
LEGISLATIVE PROGRESS
STEP 2 / 8Introduced
In Committee
Reported
Passed Senate
Passed House
Conference
To President
Became Law
WHAT THE BILL DOES
AI-writtenThis bill matters because it would bring much-needed transparency to an area that directly impacts millions of Americans: flood risk and insurance. Currently, detailed flood data can be complex and difficult for the average person to access or understand. If this bill becomes law, voters would have a clearer, more direct picture of the specific flood risks in their neighborhoods and communities, as well as insight into how effectively their local governments are managing those risks.
This increased access to information could empower individuals to make smarter decisions about where they live, how they protect their property, and whether to advocate for stronger flood preparedness and mitigation efforts in their areas. By providing data to researchers, it could also lead to better flood forecasting and protection. Without this bill, much of this detailed, property and community-specific flood information would remain largely inaccessible to the public, limiting their ability to fully assess and prepare for flood threats.
KEY PROVISIONS
4AI-extractedPROVISION 01
Requires the federal agency managing the NFIP to make publicly available all data, models, and tools used for assessing flood risk, identifying flood elevations, and setting premiums, including individual property risk data (at ZIP Code/census block level), loss ratios, policy, and claims history (amount/date only).
This provides the public with unprecedented access to the detailed information behind flood risk assessments and insurance costs.
PROVISION 02
Mandates the establishment of an open source electronic data system for immediate public access to all required flood risk information.
This ensures the data is easily and widely accessible to anyone with an internet connection, promoting broad transparency.
PROVISION 03
Requires a publicly searchable database with information about each community participating in the NFIP, including their compliance status, number of flood-prone properties, claims outside flood zones, and properties with multiple past claims.
This increases local government accountability and allows citizens to see how well their communities are managing flood risks and following federal rules.
PROVISION 04
Stipulates that all disclosed information must be in a format that does not reveal individually identifiable information about property owners, adhering to federal privacy laws.
This protects the privacy of individuals while still making aggregate and property-level (not owner-level) data available for public benefit.
SPONSORSHIP
1 + 0
R· Florida
YRS IN OFFICE
7
BILLS LED
184
ACTION TIMELINE
2 EVENTSJUN 12
Introduced in Senate
JUN 12
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
BILL INFO
TypeSenate Bill
NumberS 2052
Congress119th
StatusIn Committee
IntroducedJun 12, 2025
Last actionJun 12, 2025
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IN COMMITTEE· 119TH CONGRESS · BANKING, HOUSING, AND URBAN AFFAIRS COMMITTEE · INTRODUCED JUN 12, 2025
Senate BillS 2052Finance and Financial Sector
Flood Insurance Transparency Act of 2025
INTRODUCED JUN 12, 2025· LAST ACTION JUN 12, 2025
PASSAGE CHANCES
—%
READING
4 min
COSPONSORS
0
COMPLEXITY
Moderate
