Congress·In Committee·H.R. 8439

Commission on Natural Disaster Risk Management and Insurance Act

Natural Disaster Insurance: National Study Commission

Apr 22·View on Congress.gov·Read full text

Next up: A house committee

This bill is in the early stages of the legislative process and is currently sitting with the House Committee on Transportation and Infrastructure and the Committee on Financial Services. Since April 21, 2026, no further action has been taken by these committees. It is common for bills to remain in committee without moving forward.

Legislative Progress

House

Senate

President

Law

Could go either way

This bill has support from both parties, which is a good sign for its future. However, many bills that only create study groups struggle to get enough attention to pass through both chambers.

Key Points

This bill would create a 26-member group of experts to study why insurance is becoming so expensive or hard to get in areas with high risks of natural disasters. The group will look at risks from wildfires, hurricanes, floods, and other major events.
The commission will investigate how moving to high-risk areas and building new homes there impacts the cost of disaster losses. They will also check if current building codes and local laws are doing enough to keep homes safe.
The study will look at the health of state-run insurance programs and private companies to see if they have enough money to pay out claims after a huge disaster. It will also explore new ways for the government and private markets to share the financial risks.
Special attention will be given to low-income neighborhoods to find ways they can better protect their property and afford insurance. The goal is to make sure everyone has a way to recover financially after a disaster.
The commission has two years to finish its work and send a report to Congress. This report will include recommendations for new laws or changes to help make the insurance market more stable and affordable for regular people.

Impact Analysis

Govbase has not yet run an impact analysis on this legislation.

Milestones

2 milestones2 actions

Apr 22, 2026House

Referred to the Committee on Transportation and Infrastructure, and in addition to the Committee on 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.

Sent to a congressional committee for expert review. The committee decides whether this bill moves forward.

Apr 22, 2026

Introduced in House

The bill was officially filed and given a number. It now enters the legislative queue.

No votes, news coverage, or related bills recorded for this bill yet.

Source Information

Document Type

Congressional Bill

Official Title

Commission on Natural Disaster Risk Management and Insurance Act

Bill NumberHR 8439

Congress119th Congress

ChamberHouse of Representatives

Latest ActionReferred to the Committee on Transportation and Infrastructure, and in addition to the Committee on 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.

Data Sources

Congress.gov

Official legislative information

Read Full Bill Text

Sponsor

Cosponsors

(3)

D: 1R: 2

Analysis generated by AI. Always verify with official sources.