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HR 4115 104th Congress House

Residential Windstorm Insurance Plan Act of 1996

Official title: To require the Director of the Federal Emergency Management Agency to study the feasibility of a Residential Windstorm Insurance Program designed to provide wi… Show full official titleShow less

Official title: To require the Director of the Federal Emergency Management Agency to study the feasibility of a Residential Windstorm Insurance Program designed to provide windstorm insurance to residential property owners unable to obtain coverage in the private market and to require a study by the Comptroller General of the United States, the Secretary of the Treasury, and the Secretary of Commerce to evaluate the public policy issues associated with conferring favorable Federal tax treatment to insurance reserves set aside by private insurers for future catastrophic natural disasters.

Introduced: September 19, 1996 See on congress.gov
Emergency Management Building lawsCasualty insuranceCommerceCongress
More subjectsShow fewer subjects
Congressional investigationsCongressional reporting requirementsCost accountingDisaster insuranceDisaster reliefDisastersEarthquake insuranceEarthquakesFinance and Financial SectorFlood damage preventionFloodplain zoningForeign Trade and International FinanceHousing and Community DevelopmentHousing codesHurricanes
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This bill died when the 104th Congress ended
It never became law before the 104th Congress (1995–1996) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 4 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Oct 3, 1996
Referred to the Subcommittee on Water Resources and Environment.
Sep 19, 1996
Referred to the Subcommittee on Housing and Community Opportunity.
Sep 19, 1996
Referred to the Committee on Transportation and Infrastructure, and in addition to the Committee on Banking and Financial Services, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Sep 19, 1996
Introduced in House
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 Latest action October 3, 1996

Referred to the Subcommittee on Water Resources and Environment.

 Plain-English summary Congressional Research Service

Residential Windstorm Insurance Plan Act of 1996 - Instructs the Director of the Federal Emergency Management Agency to study the advisability and feasibility of establishing a Residential Windstorm Insurance Program designed to provide windstorm insurance to residential property owners unable to obtain coverage in the private market. Delineates Program contents and considerations.

Requires the Director to: (1) submit to specified congressional committees study conclusions and estimated Program costs; and (2) enter into an arrangement with the National Academy of Sciences to conduct a feasibility study regarding the establishment of a Federal earthquake insurance program modeled after the "Write Your Own" Program under the National Flood Insurance Program.

Directs the Comptroller General, the Secretary of the Treasury, and the Secretary of Commerce to report to the Congress the results of a joint study evaluating the public policy issues associated with conferring favorable Federal tax treatment to multiyear insurance reserves set aside by private insurers for future catastrophic natural disasters.

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 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 4
 Cosponsors 3
All 3 Democratic 3
D
Kaptur, Marcy
Ohio · Sep 19, 1996
 D
Markey, Edward J.
Massachusetts · Sep 19, 1996
 D
Waters, Maxine
California · Sep 19, 1996
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 4115: Residential Windstorm Insurance Plan Act of 1996. 104th Congress. Open America. https://openamerica.io/bill/104-HR-4115/
MLA
"H.R. 4115: Residential Windstorm Insurance Plan Act of 1996." 104th Congress, 2026, Open America, https://openamerica.io/bill/104-HR-4115/.
Bluebook (legal)
H.R. 4115, 104th Cong. (2026), https://openamerica.io/bill/104-HR-4115/.
Markdown link
[H.R. 4115: Residential Windstorm Insurance Plan Act of 1996](https://openamerica.io/bill/104-HR-4115/)
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