U.S. Congress legislation · 119th Congress
HB10686: Community Disaster Protection Act
Status: In committee, October 1, 2026
To direct the Secretary of Homeland Security, acting through the Administrator of the Federal Emergency Management Agency, to establish a pilot program to award grants to covered entities to support the design, development, facilitation, or implementation of community-based catastrophe insurance.
What the bill says
To direct the Secretary of Homeland Security, acting through the Administrator of the Federal Emergency Management Agency, to establish a pilot program to award grants to covered entities to support the design, development, facilitation, or implementation of community-based catastrophe insurance.
From the introduced text, October 1, 2026:
A BILL To direct the Secretary of Homeland Security, acting through the Administrator of the Federal Emergency Management Agency, to establish a pilot program to award grants to covered entities to support the design, development, facilitation, or implementation of community-based catastrophe insurance. SECTION 1. Short title This Act may be cited as the Community Disaster Protection Act . SECTION 2. Community-based catastrophe insurance pilot program (a) In general Not later than 1 year after the date of enactment of this Act, the Secretary, acting through the Administrator, shall establish a pilot program to award grants to covered entities for the design, development, or implementation of community-based catastrophe insurance programs to-- (1) facilitate or offer community-based catastrophe insurance for properties with high financial exposure to losses from natural hazards or disasters, where such losses-- (A) are not covered under traditional property insurance products offered on public or private markets and available to members of the community; or (B) present material and growing risks to existing property insurance carriers or other members of the insurance or risk transfer community; (2) help stabilize the traditional private property insurance market through innovative risk transfer approaches; and (3) promote or incentivize community-wide or individual measures to reduce potential losses from, or increase resilience to, natural hazards or disasters covered by such program. (b) Eligible uses …
Sponsors
- Dave Min (D) · primary sponsor
- Johnny Olszewski (D, HD-002)
- Ami Bera (D)
- Suzanne Bonamici (D)
- Ed Case (D, HD-001)
- Kathy Castor (D, HD-014)
- Gil Cisneros (D, HD-CA-31)
- Steve Cohen (D, HD-009)
- Maxine Dexter (D)
- Timothy Kennedy (D, HD-026)
- Mike Levin (D, HD-CA-49)
- Kevin Mullin (D, HD-CA-15)
Latest actions
- : Referred to the House Committee on Financial Services.
- : Introduced in House
Subjects: Emergency Management
Common questions
- What is HB10686?
- HB10686 is a bill in Congress (119th Congress): Community Disaster Protection Act.
- What does HB10686 do?
- In its own words: To direct the Secretary of Homeland Security, acting through the Administrator of the Federal Emergency Management Agency, to establish a pilot program to award grants to covered entities to support the design, development, facilitation, or implementation of community-based catastrophe insurance.
- What is the status of HB10686?
- In committee as of October 1, 2026. Latest action: Referred to the House Committee on Financial Services. (October 1, 2026).
- Who sponsored HB10686?
- Dave Min (D), with 11 co-sponsors.
- Where is the official record for HB10686?
- On the Congress website: https://www.congress.gov/bill/119th-congress/house-bill/10686
Source: official Congress record. Tracked by Delilah, AI for legislation across all 50 states and Congress.