Flood History Information Act of 2026

HR 7355, the Flood History Information Act of 2026, requires the National Flood Insurance Program Administrator to share specific flood insurance data with participating insurance companies under strict conditions. It creates a data exchange program where insurers can access property locations, coverage amounts, claim history, and loss dates - only for underwriting, pricing, and claims adjustment, not marketing - after signing a formal agreement. Property owners can also request their own flood history, including claim records and whether past federal disaster aid triggers mandatory flood insurance requirements. The bill mandates privacy protections for shared data and allows fees from insurers (deposited into the National Flood Insurance Fund) but prohibits fees for owner requests. This directly affects insurers participating in data sharing and property owners seeking flood risk information.