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US HB7355
Bill
Status
Introduced
2/4/2026
Primary Sponsor
Madeleine Dean
Click for details
AI Summary
- Amends the National Flood Insurance Act of 1968 to require FEMA to share flood insurance policy and claims data with private insurance companies that enter into data sharing agreements
- Data shared with insurers includes property location (address and coordinates), coverage amounts, dates of loss, and claim payment amounts
- Insurance companies receiving data may only use it for underwriting, setting premium rates, and adjusting claims—marketing use is prohibited
- Property purchasers, lessees, and current owners can request their property's flood claims history, including number and dollar value of claims over the property's lifetime
- FEMA may charge fees to participating insurance companies but cannot charge property owners requesting information; fees collected go into the National Flood Insurance Fund
Legislative Description
Flood History Information Act of 2026
Last Action
Referred to the House Committee on Financial Services.
2/4/2026
Committee Referrals
Financial Services2/4/2026
Full Bill Text
No bill text available