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Will the Community Disaster Protection Act Change How Local Towns Insure Against Floods and Fires?
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Key points
- Representative Dave Min introduced the Community Disaster Protection Act to establish a new federal pilot grant program.
- The legislation authorizes competitive grants to help local governments design and implement community-based catastrophe insurance.
- Fourteen original cosponsors from high-risk states have backed the bill, which currently sits with the House Committee on Financial Services.
NewsWK — A new federal proposal aims to change how local communities shield themselves from costly natural disasters. Representative Dave Min HR 10686, officially named the Community Disaster Protection Act, introduces a pilot grant program. This taxpayer-funded initiative would help local governments buy community-based catastrophe insurance to protect vulnerable neighborhoods.
How Will the Community Disaster Protection Act Impact Local Towns?
This legislation allows local governments and community organizations to secure bulk insurance policies. Consequently, the FEMA disaster insurance pilot program would help towns cover uninsured residents in high-risk areas. Additionally, eligible entities could receive federal grants to design, develop, and implement these specialized insurance programs. This approach aims to close critical coverage gaps before the next disaster strikes.
What Are the Details of HR 10686?
Representative Dave Min introduced the bill on October 1, 2026. Currently, the legislation sits with the House Committee on Financial Services. For example, proponents cite Article I, Section 8, Clause 18 of the Constitution as the legal authority. This clause allows Congress to make all laws necessary and proper for executing its powers.
Who Supports the FEMA Disaster Insurance Pilot Program?
A group of 14 original cosponsors joined Representative Dave Min to support this legislation. These lawmakers represent several states facing high disaster risks, such as California, Florida, and Oregon. Consequently, they want to explore new insurance models to protect local taxpayers from rising recovery costs.
The list of cosponsors includes:
- Johnny Olszewski (MD-02)
- Kathy Castor (FL-14)
- Mike Levin (CA-49)
- Andrea Salinas (OR-06)
- Ami Bera (CA-06)
- Suzanne Bonamici (OR-01)
- Ed Case (HI-01)
- Timothy M. Kennedy (NY-26)
This article was produced with the assistance of AI and reviewed by our editorial team.
Sources
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