This bill, titled the Flood History Information Act of 2026, aims to enhance transparency and data sharing within the National Flood Insurance Program (NFIP). It mandates the Administrator to establish a data exchange program , allowing participating insurance companies to access specific NFIP policy and claims information. This shared data, which includes property location, coverage amounts, dates of loss, and claim payouts, is intended solely for purposes such as underwriting, establishing premium rates, and adjusting claims , explicitly prohibiting its use for marketing. As part of this program, insurance companies must agree to provide their own policy and claims data to the Administrator, fostering a comprehensive data environment. Furthermore, the bill ensures that property purchasers, lessees, or current owners can directly request and receive detailed flood history information for a specific property. This includes the number and dollar value of past claims (both NFIP and private), factors related to the cause of loss, and whether the property is subject to mandatory flood insurance purchase due to prior federal disaster assistance. The Administrator may charge a fee to insurance companies for data access but not to individuals requesting property information, with all fees deposited into the National Flood Insurance Fund.