Require FEMA to provide transparent National Flood Insurance Program premium information to property owners through enhanced policy documents and a public online tool showing rates, discounts, risk factors, mitigation savings, and flood-risk data.

Troy A. Carter · Louisiana · Democratic

policy impact 0.72 specificity 0.88 extraction confidence 90%

Commitment kind: unknown. Promised action: not established. Promised outcome: not established. Deadline: unknown; not assumed expired.

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Occurrences

This bill will require the Federal Emergency Management Agency (FEMA) to provide comprehensive, transparent flood insurance information to property owners and the public through enhanced policy documents and a new online tool.

Carter introduced the NFIP Premium Transparency Act, committing to require FEMA to give homeowners clearer NFIP premium explanations and an online tool with flood insurance and risk information.

Reps. Carter, Fields, Ezell, Bresnahan Introduce the NFIP Premium Transparency Act | Representative Troy Carter
primary · press_release · model gpt-5.5

Evidence

legacy_unverified · Source version not recorded · locator unknown

GovInfo lists H.R. 9511 as introduced in the House on June 29, 2026. The action states that Mr. Fields, for himself, Mr. Carter of Louisiana, Mr. Bresnahan, and Mr. Ezell, introduced the bill and it was referred to the Committee on Financial Services. The full title is to require the FEMA Administrator to develop a flood insurance information tool.

Unverified model/legacy excerpt; not proof. AI summary (separate from source): Carter took concrete legislative action as an original cosponsor, but the bill was only introduced and referred to committee, so the requirement has not been enacted.

unresolved same_term A for effort

GovInfo: H.R. 9511 (IH) - NFIP Premium Transparency Act
secondary · model gpt-5.5 · confidence 94%

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legacy_unverified · Source version not recorded · locator unknown

The introduced bill would require NFIP declaration pages, within 12 months after enactment, to include current premiums, discounts, mitigation savings, claim history, and rating factors. It would also require FEMA, within 36 months after enactment, to develop an online flood insurance information tool with premium, flood history, risk-factor, replacement-cost, flood-hazard, and mitigation-adjustment information.

Unverified model/legacy excerpt; not proof. AI summary (separate from source): The bill text closely matches the campaign commitment, but its obligations are triggered only after enactment; there is no evidence it has become law as of August 15, 2026.

unresolved same_term A for effort

GovInfo Bill Text: H.R. 9511 - NFIP Premium Transparency Act
secondary · model gpt-5.5 · confidence 93%

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Assessments

Public state: unverified As of unknown · legacy_unverified · . Original AI recommendation (not independently established): never. unknown A for effort

Carter materially advanced a bill matching the promise as an original cosponsor of H.R. 9511, the NFIP Premium Transparency Act, in the 119th Congress. But the bill was only introduced and referred to House Financial Services on June 29, 2026, with no evidence of enactment or FEMA implementation by August 15, 2026. Because the promised requirements and online tool have not been delivered, this is a failed delivery with a serious same-term legislative effort.

provider codex_cli · model gpt-5.5 · confidence 93%