INSURANCE: Memorializes Congress to establish federal disaster insurance

2025 Regular Session Introduced by Roy Adams and 33 co-sponsors

State memorial resolution urging Congress to create a federal disaster insurance program to protect homes, businesses, and communities from federally declared disasters.

Taken by the Clerk of the House and presented to the Secretary of State in accordance with the Rules of the House.

Summary — H.R. 345 (Resolution): "INSURANCE: Memorializes Congress to establish federal disaster insurance"

Status and basic data
- Bill number / title: H.R. 345 — "INSURANCE: Memorializes Congress to establish federal disaster insurance"
- Classification: Resolution (state-level memorial)
- Introduced: January 13, 2025
- Reported / adopted: The document record shows the resolution was adopted, enrolled, signed by the Speaker, taken by the Clerk and presented to the Secretary of State. Committee referrals and actions are listed (see Legislative Actions chronology).
- Sponsors (as listed): multiple names appear in the metadata; primary sponsors shown include Josh Harder, Lydia Glaize, and Matthew Willard. (Note: the sponsor list in the provided file is extensive and appears to mix multiple resolutions.)

What this document actually contains
- The provided document text is internally inconsistent and does not include explicit legislative language establishing federal disaster insurance. Instead, the text contains several unrelated ceremonial/commemorative state resolutions (e.g., an obituary/memorial for Julia Mae Bennett; a commendation for Council Member Angelette Mealing; a centennial recognition for Illinois Road Contractors). The specific operative text memorializing Congress is not present in the supplied content.

What a memorial resolution of this type means (general explanation)
- A state "memorializes Congress" resolution is a non‑binding formal request from a state legislature asking the U.S. Congress to consider and enact specified federal legislation or policy. It does not itself change federal law or create an insurance program; it expresses the state legislature’s position and urges federal action.

Likely intent and potential implications (based on the title)
- Intent: Urge Congress to create a federal disaster insurance program to improve financial protection against floods, hurricanes, wildfires, earthquakes, and other federally-declared disasters.
- Possible elements Congress might consider (if it acts): coverage scope (homeowners, renters, businesses, agriculture), premium and subsidy structure, risk-based pricing, catastrophic risk pools, mitigation incentives (e.g., building codes, buyouts), interaction with existing programs (NFIP, FEMA disaster assistance), administrative home (FEMA or a new entity), and funding mechanisms (premiums, appropriations, reinsurance, catastrophe bonds).
- Potentially affected parties: residents and businesses in disaster-prone areas, state and local governments, private insurers and reinsurers, FEMA and other federal agencies, and federal/state budgets/taxpayers.

Procedural notes and next steps
- Because the provided text does not include the resolution’s substantive requests, readers seeking the exact language or any specific provisions should consult the official enrolled bill/resolution text on the relevant state legislature’s website or the clerk’s office that processed H.R. 345. If the goal is to understand federal policy options for disaster insurance, look for companion or related congressional measures (metadata lists a related bill, H.R. 1834) and any committee reports referenced in the bill history.