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H.R. 827 119th Congress House

Homeowners’ Defense Act of 2025

Official title: To ensure the availability and affordability of homeowners' insurance coverage for catastrophic events.

Introduced: January 28, 2025 Introduced by: Frederica S. Wilson Democratic · Florida See on congress.gov
Finance and Financial Sector
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 Everywhere this bill has been 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Jan 28, 2025
Referred to the House Committee on Financial Services.
Jan 28, 2025
Introduced in House
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What's happening now January 28, 2025

Referred to the House Committee on Financial Services.

 Plain-English summary Congressional Research Service

Homeowners' Defense Act of 2025

This bill allows the Department of the Treasury to guarantee the debt issued by an eligible state catastrophe insurance program, with limitations on the total amount of debt guaranteed.

To qualify, a state program must (1) be established and authorized by state law as an insurance program or a reinsurance program designed to support the private insurance market, and (2) offer residential property insurance coverage for losses arising from any personal residential line of insurance. Treasury must pay the portion of the principal and interest on guaranteed debt due for payment if the state program has insufficient funds.

Treasury must also make reinsurance coverage available to eligible state programs. (Reinsurance protects insurers from large losses.) The bill also establishes the Federal Natural Catastrophe Reinsurance Fund, funded in part by the sale of reinsurance contracts, to pay out eligible losses.

The bill also establishes the National Catastrophe Risk Consortium which must maintain an inventory of catastrophe risk obligations held by providers of natural catastrophe insurance, among other functions.

The Department of Housing and Urban Development must provide grants to entities (such as states) for the purpose of preventing and mitigating losses from natural catastrophes.

The Government Accountability Office must report on risk-based rate pricing and state insurance program rates.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Lobbying activity 25

Registered lobbyists who named this bill in their disclosure filings. Source: federal Lobbying Disclosure Act filings.

Bodies those filers lobbied

A filing lists the bills it worked on and the parts of government it contacted in separate sections, so these are the bodies those filers named anywhere in the filing, not a per-bill breakdown.

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 Cosponsors 2
All 2 Democratic 2
D
Mfume, Kweisi
Maryland · Jun 6, 2025
 D
Johnson, Henry C. "Hank"
Georgia · Feb 21, 2025
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 827: Homeowners’ Defense Act of 2025. 119th Congress. Open America. https://openamerica.io/bill/119-HR-827/
MLA
"H.R. 827: Homeowners’ Defense Act of 2025." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-HR-827/.
Bluebook (legal)
H.R. 827, 119th Cong. (2026), https://openamerica.io/bill/119-HR-827/.
Markdown link
[H.R. 827: Homeowners’ Defense Act of 2025](https://openamerica.io/bill/119-HR-827/)
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