Salud Carbajal (D-CA)
Commission on Natural Disaster Risk Management and Insurance Act
A Democratic bill with 3 Republican cosponsors · See all 4 cosponsors
Last activity — 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.
In committee
Introduced and handed to a committee in the chamber it started in.
The committee holds it, and most bills are never heard from again. A hearing or a committee vote would be news; silence is the usual outcome, and it kills the bill without anyone voting against it.
Its path through Congress
- Introduced
- In Committee
What this bill would do
This bill establishes the "Commission on Natural Disaster Risk Management and Insurance," an independent and nonpartisan group. The Commission is tasked with examining the risks natural disasters pose to the United States and finding ways to reduce associated financial costs. Members will include experts in insurance, emergency management, engineering, and other related fields. The group will assess issues such as insurance availability, land use regulations, and the impact of demographic trends on disaster risk. After conducting its study, the Commission must submit a detailed report containing findings and recommendations to several Congressional committees. The Commission will terminate 90 days after its report is submitted.
Yes· 3 of 14
- Scored +3
Would households on low incomes be better off under this?
The commission is mandated to consider the unique needs of low-income communities regarding risk reduction and insurance.
- Scored +3
Does this reduce what the federal government spends?
The commission is tasked with finding ways to reduce the financial costs of natural disasters to Federal and State taxpayers.
- Scored +3
Does this give people more protection from unfair business practices?
The commission investigates the affordability and availability of property and casualty insurance for the public.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Risk Assessment and Mitigation: The Commission is tasked with examining how to mitigate risks and financial costs associated with natural disasters, which could help protect people from future losses (Section 4(a)).
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Insurance Accessibility: The Commission will look into the availability and affordability of property and casualty insurance, as well as ways to promote the take-up of flood insurance through the National Flood Insurance Program (Section 4(a)(6), Section 4(a)(15)).
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Support for Vulnerable Communities: The Commission is required to consider the unique needs of low-income communities to promote risk reduction and insurance take-up (Section 4(a)(16)).
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Improved Building and Land Standards: The Commission will evaluate the benefits of strengthened land use regulations and building codes to reduce vulnerability (Section 4(a)(4)).
Potential Negative Impacts for People
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Information Privacy Limitations: While the Commission can enter into information-sharing agreements, it is strictly prohibited from entering into agreements that contain personal identifiable information (Section 3(h)(1)(B)).
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No Requirement for Agency Cooperation: The Act does not require any Federal, State, local, or Tribal government agency to share data or information with the Commission (Section 3(h)(3)(A)).
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Tap or hover a score for the reason it gave.
- Demographic And Interest Groups
- Would households on low incomes be better off under this? — The commission is mandated to consider the unique needs of low-income communities regarding risk reduction and insurance. Would business owners be better off under this? — The commission looks at the capacity of the private insurance market to cover losses. Would middle-income households be better off under this? — The study of insurance affordability and availability aims to protect various sectors of the population. Would people in cities be better off under this? — The commission examines urban development and the built environment in relation to natural disaster risks.
- Economy And Finance
- Does this give people more protection from unfair business practices? — The commission investigates the affordability and availability of property and casualty insurance for the public. Does this reduce what the federal government spends? — The commission is tasked with finding ways to reduce the financial costs of natural disasters to Federal and State taxpayers. Is this likely to grow the economy? — By studying insurance availability and risk mitigation, the commission aims to stabilize markets affected by natural disasters.
- Environment Energy And Infrastructure
- Does this improve help for people hit by a disaster? — The commission is tasked with assessing natural disaster risks and ways to mitigate their financial impacts. Does this better protect air, water and wildlife? — The commission studies the impact of natural disasters such as wildfires, hurricanes, and floods to improve risk management.
- Social Issues And Justice
- Does this make housing cost less? — The commission evaluates the impact of land use regulations and building codes on residential development in high-risk areas. Is this likely to lift people out of poverty? — The bill examines insurance take-up and risk reduction specifically for low-income communities. Does this narrow racial gaps in how people are treated? — The commission is required to consider the unique needs of low-income communities to promote risk reduction.
- Governance And Ideology
- Does this make what the government does easier for the public to see? — The commission's findings and recommendations must be submitted to specific Congressional committees. Does this protect people from being watched or searched? — The bill explicitly prohibits the commission from entering into information sharing agreements involving personally identifiable information.
- 9/2/2026
- 1 Cosponsor added.
- 4/22/2026
- 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.
- 3 Cosponsors added.
- Introduced in House
Troy CarterDemocrat · Louisiana
Mike EzellRepublican · Mississippi
Gabe EvansRepublican · Colorado
Michael LawlerRepublican · New York