HR 827 · in committee · significant
Homeowners’ Defense Act of 2025
- housing
What this bill does
- The bill allows the Treasury Department to guarantee debt issued by state catastrophe insurance programs to help them cover residential property losses.
- Homeowners in states with catastrophe insurance programs and private insurers offering coverage are affected.
- Treasury backs reinsurance and creates a Federal Natural Catastrophe Reinsurance Fund; HUD provides grants for loss prevention.
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Community Threads
Started by Cosponsor
- 01
How would federal backing of state catastrophe insurance debt affect homeowners' insurance premiums compared to current private market rates?
- 02
What happens to the Federal Natural Catastrophe Reinsurance Fund if multiple major disasters occur in the same year across different states?
- 03
Which homeowners would benefit most from this program, and how might it change insurance availability in high-risk versus low-risk areas?
Cosponsor writes these to seed civic discussion — they aren't user posts. Sign in to reply.
Sponsor · D-FL-24
Frederica S. Wilson
Citizen cosponsors
0
In Congress
2/ 435
House Reps cosponsoring
Introduced 2025-01-28
Joining the bill
Legislative timeline
2025-01-28 · house · IntroReferral
Referred to the House Committee on Financial Services.
2025-01-28 · IntroReferral
Introduced in House
2025-01-28 · IntroReferral
Introduced in House
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