Flood History Information Act of 2026

Key Points

• This bill would allow people who are buying or renting a home to see the property's history of flood damage. You could find out how many flood insurance claims were filed for that specific address and how much money was paid out for those claims in the past.
• Private insurance companies and the government would start sharing their flood data with each other. This is intended to help insurance companies set more accurate prices for flood insurance and help the government better understand flood risks across the country.
• The bill includes rules to protect your privacy. Insurance companies would be banned from using this shared flood data for marketing or trying to sell you things. They can only use the information to decide on insurance rates or to handle insurance claims.
• Homeowners, buyers, and renters would not have to pay a fee to get this flood history information. However, the government could charge private insurance companies a fee to participate in the data-sharing program.
• Knowing a home's flood history helps people understand the true risk of living there before they sign a lease or buy a house. It also clarifies if a property owner is required by law to buy flood insurance because of past government disaster help.

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