Community Disaster Protection Act
Creates a FEMA grant pilot to develop community-based insurance for natural-disaster losses.
In the House Financial Services Committee since Oct. 1, 2026, 7 days after it was introduced. Most bills never leave committee.
- INTRODUCEDINTROOCT 1, 2026
- COMMITTEECOMM.IN COMMITTEE
- HOUSEHOUSE—
- SENATESENATE—
- LAWLAW—
What the bill would do, and why it matters
Property insurance may not cover every loss from a natural disaster. The bill would have FEMA run a grant pilot to help eligible organizations develop community-based disaster insurance. It sets consumer protections and state-law requirements, and calls for studies of how well the programs work.
- INTRODUCED ONLY This bill has been introduced and possibly referred to a committee, but it has not passed any vote. Most introduced bills never become law — they die in committee without a hearing.
- DATA NOTE No Congressional Research Service summary was available.
- Creates a disaster-insurance grant pilot
FEMA would award grants to eligible entities to develop or put in place community-based catastrophe insurance for communities facing major natural-disaster losses that traditional property insurance may not cover, or that pose growing risks to insurers. The programs are also intended to support the traditional private insurance market and encourage loss-reduction measures.
- Sets rules for insurance products
Programs developed with grant funds would have to supplement, not replace, available traditional insurance and provide clear consumer information about coverage, costs, payouts, and effects on other disaster assistance. They would also have to follow applicable state insurance laws; state regulators would retain their authority over insurance.
- Supports program design and delivery
Grant funds could support consumer research and outreach, catastrophe-risk analysis, product design, claims-payment systems, and efforts to secure non-federal financial support. Programs could use technology or offer parametric coverage, which pays fixed or graduated amounts when specified conditions are met.
- Requires evaluation of the pilot
Grant recipients would provide appropriate, reasonable program data to the Comptroller General, without disclosing protected proprietary or confidential information. The Comptroller General would study program performance, and the final study would recommend whether Congress should authorize, expand, modify, or make the pilot permanent.
- Authorizes grant-program funding
The bill authorizes $20,000,000 for each of fiscal years 2027 through 2031 for the grant program.
The bill cites losses from natural hazards that may not be covered by traditional property insurance, as well as growing risks to insurers and others in the insurance market. It aims to test whether community-based insurance can help address those risks while encouraging measures that reduce losses.
The stakes include whether coverage is affordable and understandable, whether payouts help with recovery, and whether these programs can operate sustainably alongside traditional insurance and public disaster assistance.
Written from the bill text.
The path it took, step by step
- IntroducedOCT 1, 2026HOUSEOCT 1, 2026By Rep. Min with 14 original cosponsorsReferred to Financial Services
- SAME DAYNOWHouse committeeOCT 1, 2026FINANCIAL SERVICES NOWOCT 1, 2026In committee for 7 daysNo hearing yet
- 7 DAYS SO FARPassed the House—HOUSE FLOOR—Not scheduled
- Senate committee—SENATE—
- Passed the Senate—SENATE FLOOR—Not scheduled
- Resolve differencesONLY IF NEEDEDBOTH CHAMBERSONLY IF NEEDEDSkipped if the other chamber passes the same text
- Signed into law—PRESIDENT—10 days to sign or veto
- OCT 12026OCT 1, 2026REFERREDHOUSEReferred to the House Committee on Financial Services.
- OCT 12026OCT 1, 2026INTRODUCEDHOUSEIntroduced in House
At day 7, this bill is already older than 3% of the laws passed this Congress were when they were signed.
Where your members stand on it
A coalition from 11 states
Plus the sponsor, a Democrat. Every cosponsor is from one party.
Plus the sponsor, a Democrat. Every cosponsor is from one party.
Rep. Min’s record: sponsored 31 bills this Congress. 1 passed the House; 0 became law.
- Ami BeraD-CA-6ORIGINAL
- Suzanne BonamiciD-OR-1ORIGINAL
- Ed CaseD-HI-1ORIGINAL
- Kathy CastorD-FL-14ORIGINAL
- Gilbert Ray Cisneros, Jr.D-CA-31ORIGINAL
- Steve CohenD-TN-9ORIGINAL
- Maxine DexterD-OR-3ORIGINAL
- Timothy M. KennedyD-NY-26ORIGINAL
- Mike LevinD-CA-49ORIGINAL
- Kevin MullinD-CA-15ORIGINAL
- Johnny Olszewski, Jr.D-MD-2ORIGINAL
- Deborah K. RossD-NC-2ORIGINAL
What readers think
Discussion
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