HR 4504
INSURE Act
Jurisdiction
US Congress
Session
119th Congress (2025-2026)
Last updated at
Jun 13, 2026, 4:11 PM
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Sign in to take action- Introduced
- Passed House
- Passed Senate
- To President
- Became Law
Bill overview
The INSURE Act aims to establish a federal reinsurance program to help property insurers manage catastrophic losses from events like wind, hurricanes, wildfires, and floods. It would create a ‘Federal Catastrophe Reinsurance Fund’ and require insurers to pay premiums based on expected losses and administrative costs. The program would phase in coverage for different perils over time, and it includes provisions for a pilot program with longer-term policies and loss prevention partnerships. The Act also directs the Treasury to conduct feasibility studies on relocation funds and earthquake coverage.
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