Community Disaster Protection Act

This bill would require the Federal Emergency Management Agency (FEMA) to set up a pilot grant program within one year. Grants would go to states, tribal governments, local governments, Native Hawaiian organizations, Alaska Native Corporations, nonprofits, and similar groups to design or run community-based insurance that covers losses from natural disasters. The insurance would add to, not replace, regular property insurance, must follow state insurance laws, and must give residents written disclosures about coverage and costs. The bill authorizes $20 million per year from 2027 through 2031, ends the program on September 30, 2031, and requires the Government Accountability Office to study the program and report to Congress.

Full text and official record on Congress.gov

Sponsors

• Dave Min Democrat sponsor
• 21 cosponsors