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Bill

SD 79

An Act creating a special commission to scope a state grant or low interest loan program for properties prone to flooding

194th Legislature (2025-2026) Introduced by Bruce Tarr

Massachusetts commission to design state grant or low-interest loan program helping flood-prone property owners afford protection and recovery.

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Bill Summary · SD 79

Legislative bill overview

SD 79 establishes a special commission tasked with studying and designing a potential state financial assistance program for property owners in flood-prone areas. The commission would develop recommendations for either grant programs or low-interest loan mechanisms to help these property owners. The bill essentially creates a planning body rather than implementing a program directly.

Why is this important

Flooding causes significant property damage and financial hardship for homeowners, particularly as climate change increases precipitation extremes and coastal storm surge risks. A state-level assistance program could help vulnerable property owners afford mitigation measures, repairs, or relocation, reducing individual financial burden and potentially decreasing future disaster costs. This addresses a gap where many flood-affected residents lack adequate resources or insurance coverage.

Potential points of contention

  • Fiscal responsibility: Questions about how a grant or loan program would be funded and whether state resources should subsidize private property protection rather than homeowners carrying flood insurance
  • Geographic equity: Determining which flood-prone areas qualify could create disputes between different regions or neighborhoods, with some feeling overlooked while others receive aid
  • Moral hazard concerns: Critics may argue that financial assistance encourages people to remain in or rebuild in high-risk areas rather than relocating, potentially increasing long-term disaster vulnerability and costs

Compiled from official sources — confirm details with the bill’s official record.

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