HR 827
Homeowners’ Defense Act of 2025
Jurisdiction
US Congress
Session
119th Congress (2025-2026)
Last updated at
Jun 14, 2026, 6:35 AM
Take action
Sign in to record your position, submit testimony, or contact your legislator.
Sign in to take action- Introduced
- Passed House
- Passed Senate
- To President
- Became Law
Bill overview
The Homeowners’ Defense Act of 2025 aims to improve the availability and affordability of homeowners’ insurance in the face of increasing natural disasters. It establishes a program to provide federal support to state-sponsored insurance programs, encouraging mitigation efforts and utilizing private market capital for catastrophe coverage. The bill creates a National Catastrophe Risk Consortium and a Federal Natural Catastrophe Reinsurance Fund, along with a mitigation grant program, to bolster disaster preparedness and recovery. It also seeks to improve risk-based rate pricing and state insurance program rates through GAO reporting.
Sponsors
Official sponsors from legislative records.
Primary sponsor
Cosponsors
Henry C. "Hank" Johnson
Arguments in favor
Reasons to support this legislation.
No arguments in favor have been submitted.
Submit yoursArguments opposed
Reasons to oppose this legislation.
No arguments opposed have been submitted.
Submit yoursRead the latest version inline or switch to a previous version.