Congressional Analysis Platform

Data-driven insight
for NFIP reform

A suite of analytical tools built for members of Congress and their staff — delivering fast, constituency-specific intelligence on the National Flood Insurance Program.

Program snapshot — Dec 31, 2025
4.58M
Active policies
in force
$1.26T
Total coverage
exposure
$4.37B
Annual premiums
+ federal policy fee
Source: FEMA NFIP PART system via FloodSmart.gov. This tool is not affiliated with or endorsed by FEMA.
The Speed Problem
Staff can't get to answers fast enough

Preparing for a constituent meeting or floor vote requires manually cross-referencing multiple static FEMA spreadsheets. The process is slow, error-prone, and poorly suited to the pace of a congressional office.

The Quality Problem
Available data doesn't map to decisions

Pre-aggregated FEMA reports can't show how a specific reform would affect a member's constituents, or whether premiums in their state are proportionate to historical loss experience. Members vote without that picture.

Four tools built for legislative work

Each tool is independent, inputs are minimal, and every output is exportable as a print-ready briefing card — formatted for a member to read, not a researcher to analyze.

Tool 01
Constituent Meeting Prep

Select a state and community, get a one-page briefing in seconds: policies in force, total coverage, premium burden, claims status, and comparison to state and national averages.

State County or community PDF export
Open tool →
Tool 02
Bill Impact Simulator

Define a policy change — such as a 15% premium increase in V Zones — and see the estimated constituent impact: policyholders affected, average household cost change, and aggregate state burden shift.

State Flood zone Change type & magnitude
Open tool →
Tool 03
Premium Adequacy Stress Tester

For a selected state and flood zone, see the ratio of premiums collected to historical losses paid — and model the premium level that would have been required to break even historically.

State Flood zone Target loss ratio
Open tool →
Tool 04
Cross-State Equity Analyzer

See how premiums and historical losses are distributed across all states. Compare any two states side-by-side against the national picture — useful for members on either side of the subsidy debate.

No required inputs Optional: 2 states Open tool →

Three FEMA datasets. One coherent picture.

All analysis is grounded in official FEMA data published via the NFIP PART system. The platform surfaces relationships across these three files that are impractical to identify manually.

Policy data
30,570
Community-level rows covering policies in force, total coverage, and annual premiums. State → county → community hierarchy.
Zone statistics
1,180
Rows combining policy statistics and historical loss data, segmented by state and flood zone — the core of premium adequacy analysis.
Claims data
54
State-level fiscal year claims records tracking open losses, closed with payment, closed without payment, and total dollars paid.
Analytical limitation: Premium-to-loss comparisons are available at the state × flood zone level only. Policy data is segmented by coverage type; loss data by occupancy type — these axes do not align, making property-type comparisons unavailable. Premium data reflects a current snapshot; loss data is cumulative historical. All outputs are directional analysis only and do not constitute actuarial projections or official FEMA reports.

Built for congressional offices and credentialed researchers

This platform is not publicly accessible. Access is restricted to members of Congress, their direct staff, committee staff, CRS analysts, and credentialed policy researchers.

  • U.S. Senators and Representatives, and their direct legislative staff
  • Senate and House committee staff with relevant jurisdiction
  • Congressional Research Service analysts
  • Credentialed policy researchers at recognized institutions
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Access requests are reviewed manually. By submitting, you confirm your eligibility under the access policy above.