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The NFIP Premium Transparency Act requires the Federal Emergency Management Agency to develop an online flood insurance information tool and enhance disclosure on flood insurance policy declaration pages. Within 12 months, FEMA must ensure declaration pages include current premiums, applicable discounts, risk factors, replacement cost values, and other key information. Within 36 months, FEMA must launch a publicly accessible online tool containing detailed information about each insured property, including premium history, flood risk data, and mitigation options, with capability for users to model how adjustments or mitigation activities would affect premiums. The bill also requires a Government Accountability Office report analyzing potential expansions to the tool's information and functionality.
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