The Flood History Information Act of 2026 creates a data-sharing program that allows private insurance companies to access flood insurance claims and policy information from the National Flood Insurance Program (NFIP) through voluntary agreements with the NFIP Administrator. Insurance companies can use this shared data only for underwriting, setting premium rates, and adjusting claims—not for marketing purposes. Simultaneously, the bill requires the NFIP to provide property buyers, renters, and current owners with detailed flood history information about their properties, including the number and dollar value of past flood claims and whether the property requires mandatory flood insurance due to prior federal disaster assistance. The NFIP may charge private insurance companies a fee for accessing shared data, but will provide the information to property owners at no cost. The legislation streamlines access to flood risk information to help both the insurance industry and consumers make better-informed decisions about flood insurance coverage.
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