H.R. 7355

[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 7355 Introduced in House (IH)]

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119th CONGRESS
2d Session
H. R. 7355

To provide for the disclosure and sharing of certain policy and claims 
information under the National Flood Insurance Program, and for other 
purposes.

_______________________________________________________________________

IN THE HOUSE OF REPRESENTATIVES

February 4, 2026

Ms. Dean of Pennsylvania (for herself and Mr. Garbarino) introduced the 
following bill; which was referred to the Committee on Financial 
Services

_______________________________________________________________________

A BILL

To provide for the disclosure and sharing of certain policy and claims 
information under the National Flood Insurance Program, and for other 
purposes.

Be it enacted by the Senate and House of Representatives of the 
United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

This Act may be cited as the ``Flood History Information Act of 
2026''.

SEC. 2. DATA EXCHANGE PROGRAM.

Section 1313 of the National Flood Insurance Act of 1968 (42 U.S.C. 
4020) is amended--
(1) by striking ``The Administrator shall'' and inserting 
the following:
``(a) Availability of Flood Insurance Information.--The 
Administrator shall''; and
(2) by adding at the end the following new subsections:
``(b) Data Exchange Program.--
``(1) In general.--The Administrator shall disclose policy 
and claims information described in paragraph (2) to an 
insurance company, as such term is defined in subsection (f), 
if such insurance company has entered into a data sharing 
agreement with the Administrator pursuant to paragraph (3).
``(2) Data eligible for sharing.--The Administrator shall 
disclose the following claims and policy information, obtained 
in connection with a flood insurance policy made available 
under this title or through a data sharing agreement executed 
pursuant to paragraph (3), pursuant to paragraph (1):
``(A) The location of the insured property, by 
address and latitude and longitude.
``(B) Amount of coverage in force.
``(C) Dates of loss.
``(D) The amount paid on claims.
``(E) Any other claims and policy information the 
Administrator determines necessary and appropriate.
``(3) Data sharing agreement.--A data sharing agreement 
entered into pursuant to paragraph (1) shall include--
``(A) the terms and conditions under which 
insurance companies may use, share, store, and account 
for the data, which shall at minimum include provisions 
ensuring that--
``(i) the insurance company may only use 
information provided under the agreement for 
the purposes of underwriting, establishing 
premium rates, and adjusting claims; and
``(ii) the insurance company may not use 
the information provided as part of the 
agreement for marketing purposes;
``(B) an agreement by the insurance company to 
provide to the Administrator the insurance company's 
policy and claims data in a form prescribed by the 
Administrator; and
``(C) any other terms and conditions the 
Administrator determines are necessary and appropriate.
``(c) Access to Flood Insurance Information.--Upon the request of a 
purchaser, lessee, or current owner of a property, the Administrator 
shall provide to the purchaser, lessee, or current owner of the 
property information pertaining to the property the purchaser or lessee 
is under contract to buy or lease, respectively, or the current owner's 
property, as follows:
``(1) The number and dollar value of claims filed for the 
property, and factors related to the cause of loss, over the 
life of the property, as known to the Administrator, including 
claims made under--
``(A) a flood insurance policy made available under 
this Act; and
``(B) a private flood insurance policy.
``(2) Information on whether the property owner may be 
required to purchase flood insurance coverage due to previous 
receipt of Federal disaster assistance subject to the mandatory 
purchase requirement under section 102 of the Flood Disaster 
Protection Act of 1973.
``(3) Such other available information about the property 
as determined by the Administrator to accurately and adequately 
characterize the true flood risk to the property.
``(d) Privacy Protection.--Disclosure of information contained 
within a system of records (as such term is defined in section 
552a(a)(5) of title 5, United States Code) as authorized in subsections 
(b) and (c) of this section shall be considered a routine use for the 
purposes of section 552a(3) of title 5, United States Code.
``(e) Fee.--
``(1) In general.--To carry out subsection (b), the 
Administrator may charge a fee to participating insurance 
companies under subsection (b). The Administrator shall not 
charge a fee to the current owner requesting flood insurance 
information under subsection (c).
``(2) Deposit.--The Administrator shall deposit the fee 
collected under this subsection into the National Flood 
Insurance Fund established under section 1310.
``(f) Definition.--For the purposes of this section the following 
definitions shall apply:
``(1) Insurance company.--The term `insurance company' 
means an insurance company that meets the requirements of 
subparagraph (A) of section 102(b)(7) of the Flood Disaster 
Protection Act of 1973 (42 U.S.C. 4012a(b)(7)(A)).
``(2) Lessee.--The term `lessee' means a person who enters 
into an agreement to lease, rent, or sublease a property.
``(3) Purchaser.--The term `purchaser' means a person or 
entity that enters into an agreement to purchase an interest in 
a property.''.
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