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HB 1173

Comprehensive Hurricane Damage Mitigation Program; rename to Strengthen MS Homes Program and revise nonadmitted policy fee.

2025 Regular Session Introduced by Jerry Turner

Mississippi bill establishes hurricane mitigation program and adjusts out-of-state insurance fees to strengthen residential storm resilience and insurance market access.

Died In Committee
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Bill Summary · HB 1173

Legislative bill overview

HB 1173 would establish a comprehensive hurricane damage mitigation program in Mississippi, renaming it the "Strengthen MS Homes Program." The bill also revises the nonadmitted insurance policy fee structure, which applies to insurance policies from companies not licensed to operate in Mississippi.

Why is this important

Hurricane damage costs Mississippi residents and insurers billions of dollars annually. Mitigation programs that strengthen homes against storm damage can reduce claims, lower insurance premiums, and improve community resilience. Changes to nonadmitted policy fees directly affect insurance costs for Mississippians who use out-of-state insurers when coverage isn't available domestically.

Potential points of contention

  • Fee impact on consumers: Revising nonadmitted policy fees could increase or decrease costs for residents using non-licensed insurers, affecting affordability and market access
  • Program funding and scope: Details about how the mitigation program would be funded, which homes qualify, and what specific improvements are covered remain unclear from the bill title
  • Insurance market dynamics: Changes may affect competition between admitted and nonadmitted insurers, potentially influencing availability and pricing of coverage in Mississippi's tight insurance market

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

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