This bill creates a new system for sharing flood insurance information to help people and insurance companies make better decisions about flood risk. Right now, the National Flood Insurance Program (the government's flood insurance) keeps detailed records about which properties have flooded, how much damage they suffered, and insurance claims paid out. This bill says the government can share that historical flood data with private insurance companies, but only if those companies agree to strict rules about how they use it. Insurance companies can only use the information to decide who to insure, what rates to charge, and how to handle claims—they cannot use it for marketing or selling other products. At the same time, the bill gives homebuyers, renters, and current property owners the right to request their own property's flood history from the government for free. This means if you're thinking about buying or renting a home, you can find out how many times it's flooded in the past and how much damage occurred. The bill also tells people if they might be required to buy flood insurance because they received federal disaster aid. Overall, the goal is to make flood risk information more transparent and available so that everyone—insurance companies and everyday people—can make smarter choices about flood insurance and property purchases.