A resolution recognizing the strong link between climate change and skyrocketing insurance premiums.

119th Congress Introduced by Tammy Duckworth and 9 co-sponsors

Recognizes climate change as a driver of higher insurance costs for homes and businesses and urges policy focus on climate risk in housing, insurance, and resilience.

Introduced in Senate

Overview

Bill number and type: S.Res. 554, a Senate resolution (non-binding).

Introduced: December 17, 2025.

Status: Introduced and referred to the Committee on Banking, Housing, and Urban Affairs (12/17/2025).

Purpose (as stated): To recognize the strong link between climate change and the rising costs of insurance premiums.

Purpose and intent

The resolution formally acknowledges that climate change contributes to higher insurance costs for individuals, businesses, and property owners.

It seeks to foreground climate-related risk as a factor in the insurance market and housing affordability, potentially shaping subsequent policy discussions and legislative priorities.

Key provisions (high-level)

As a resolution, S. Res. 554 is expected to:

Declare an objective or position that climate change is a driver of escalating insurance premiums.
Urge consideration of climate risk in federal policy discussions related to housing, insurance markets, and disaster resilience.
Encourage stakeholders (e.g., federal agencies, industry, and state authorities) to address the affordability and availability of insurance in the context of climate risk.

No specific regulatory or funding authorizations are typically included in a resolution of this type, and enforceable mandates are not anticipated. The text would articulate a formal stance rather than create new laws.

Who or what is affected

Directly affected entities: The resolution does not impose new requirements on individuals or organizations, but it signals policymakers’ concern about:

The affordability and accessibility of insurance in areas exposed to climate risk.
The interplay between climate resilience, housing policy, and insurance markets.

Indirect effects: By highlighting this issue, the resolution could influence:

Legislative agendas, hearings, and oversight by the Committee on Banking, Housing, and Urban Affairs.
Consideration of climate risk disclosures, flood and wildfire insurance policies, and affordability programs in housing policy discussions.

Procedural and timeline details

Referral: Committee on Banking, Housing, and Urban Affairs (12/17/2025).

Next steps: As a resolution, it may be advanced through committee consideration, floor debate, and potential adoption by the Senate. It does not create law, so any subsequent policy changes would require separate legislation or administrative action.

Effective date: Resolutions do not typically have an effective date for implementation; they express a stance and encourage action.

Context and significance

The bill situates climate risk within the discourse on housing affordability and insurance markets, aligning with broader concerns about how climate change impacts daily life and financial stability. While non-binding, the resolution can be a signaling tool to build momentum for further policy exploration, research, or legislative proposals aimed at mitigating climate-related increases in insurance costs and improving resilience.

If you’d like, I can tailor this summary to emphasize potential policy avenues the resolution might influence (e.g., housing policy, disaster risk insurance reform, or financial risk disclosures) or compare it to previous related resolutions.

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