Mississippi legislation · 2026 Regular Session
Mississippi SB2409: Mississippi Department of Insurance; establish comprehensive mitigation program for retrofitting insurable homes.
Status: Signed into law, April 9, 2026
AN ACT TO CREATE THE "STRENGTHEN MISSISSIPPI HOMES ACT" TO ESTABLISH A COMPREHENSIVE MITIGATION PROGRAM IN THE MISSISSIPPI DEPARTMENT OF INSURANCE FOR RETROFITTING INSURABLE HOMES; TO AMEND SECTION 83-1-191, MISSISSIPPI CODE OF 1972, TO RENAME THE "COMPREHENSIVE HURRICANE DAMAGE MITIGATION PROGRAM" TO THE "STRENGTHEN MISSISSIPPI HOMES PROGRAM"; TO ESTABLISH CRITERIA FOR THE NEW PROGRAM; TO INCLUDE HURRICANE, TORNADO, HAIL, OR OTHER CATASTROPHIC WINDSTORM EVENT MITIGATION; TO ESTABLISH AN ADVISORY COUNCIL; TO PROVIDE FOR OPERATIONAL REPORTS TO BE SUBMITTED TO THE GOVERNOR AND THE LEGISLATURE; TO INCREASE THE AMOUNTS OF FINANCIAL GRANTS OFFERED BY THE STRENGTHEN MISSISSIPPI HOMES PROGRAM TO $10,000.00 PER HOME AND TO ALLOW THE MISSISSIPPI DEPARTMENT OF INSURANCE TO ESTABLISH CRITERIA FOR THE ISSUING OF GRANTS BY REGULATION; TO PROVIDE THAT GRANTS SHALL BE SUBJECT TO APPROPRIATION; TO RENAME THE "COMPREHENSIVE HURRICANE DAMAGE MITIGATION PROGRAM FUND" TO THE "STRENGTHEN MISSISSIPPI HOMES FUND"; TO REMOVE THE REPEALER; TO AMEND SECTION 83-5-73, MISSISSIPPI CODE OF 1972, TO INCREASE THE FEE CHARGED FOR AN AGENT'S CERTIFICATE OF AUTHORITY; AND FOR OTHER RELATED PURPOSES.
What the bill says
An act to create the "strengthen mississippi homes act" to establish a comprehensive mitigation program in the mississippi department of insurance for retrofitting insurable homes; to amend section 83-1-191, mississippi code of 1972, to rename the "comprehensive hurricane damage mitigation program" to the "strengthen mississippi homes program"; to establish criteria for the new program; to include hurricane, tornado, hail, or other catastrophic windstorm event mitigation; to establish an advisory council; to provide for operational reports to be submitted to the governor and the legislature…
From the enrolled text, April 6, 2026:
AN ACT TO CREATE THE "STRENGTHEN MISSISSIPPI HOMES ACT" TO ESTABLISH A COMPREHENSIVE MITIGATION PROGRAM IN THE MISSISSIPPI DEPARTMENT OF INSURANCE FOR RETROFITTING INSURABLE HOMES; TO AMEND SECTION 83-1-191, MISSISSIPPI CODE OF 1972, TO RENAME THE "COMPREHENSIVE HURRICANE DAMAGE MITIGATION PROGRAM" TO THE "STRENGTHEN MISSISSIPPI HOMES PROGRAM"; TO ESTABLISH CRITERIA FOR THE NEW PROGRAM; TO INCLUDE HURRICANE, TORNADO, HAIL, OR OTHER CATASTROPHIC WINDSTORM EVENT MITIGATION; TO ESTABLISH AN ADVISORY COUNCIL; TO PROVIDE FOR OPERATIONAL REPORTS TO BE SUBMITTED TO THE GOVERNOR AND THE LEGISLATURE; TO INCREASE THE AMOUNTS OF FINANCIAL GRANTS OFFERED BY THE STRENGTHEN MISSISSIPPI HOMES PROGRAM TO $10,000.00 PER HOME AND TO ALLOW THE MISSISSIPPI DEPARTMENT OF INSURANCE TO ESTABLISH CRITERIA FOR THE ISSUING OF GRANTS BY REGULATION; TO PROVIDE THAT GRANTS SHALL BE SUBJECT TO APPROPRIATION; TO RENAME THE "COMPREHENSIVE HURRICANE DAMAGE MITIGATION PROGRAM FUND" TO THE "STRENGTHEN MISSISSIPPI HOMES FUND"; TO REMOVE THE REPEALER; TO AMEND SECTION 83-5-73, MISSISSIPPI CODE OF 1972, TO INCREASE THE FEE CHARGED FOR AN AGENT'S CERTIFICATE OF AUTHORITY; AND FOR OTHER RELATED PURPOSES. BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MISSISSIPPI: SECTION 1. This act shall be known and may be cited as the "Strengthen Mississippi Homes Act." SECTION 2. Section 83-1-191, Mississippi Code of 1972, is amended as follows: 83-1-191. (1) There is established within the Mississippi …