The Flood Insurance Transparency Act of 2025 requires the Federal Emergency Management Agency (FEMA) to publicly release detailed information about the National Flood Insurance Program to improve public understanding of flood risk and support research. The bill mandates that FEMA create an open-source data system providing immediate public access to flood risk data, historical claims, policy information, and details about which properties have experienced repeated losses or undergone flood mitigation measures. Additionally, within one year of enactment, FEMA must establish a searchable online database for each community in the program showing compliance status, the number of flood-prone properties built before and after flood maps were established, repeated-loss property counts, and the percentage of land in high-risk flood zones. The legislation protects homeowners' privacy by requiring that all released information exclude personally identifiable details and be presented at the ZIP Code or census block level rather than individual addresses. No specific federal funding is allocated in the bill text, as it primarily directs FEMA to organize and share data it already possesses.
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