# 119-hr-10686: Community Disaster Protection Act 119-hr-10686, Community Disaster Protection Act, is a 119th Congress bill sponsored by Rep. Min, Dave [D-CA-47] (D-CA); status introduced; PRIA reads it as touching household money (as of 2026-10-24). - Canonical: https://policyrisk.com/legislation/119-hr-10686 - As of: 2026-10-24 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: 119-hr-10686 - Congress: 119 - Title: Community Disaster Protection Act - Status: introduced - Introduced: 2026-10-01 - Sponsor: Rep. Min, Dave [D-CA-47] (D-CA) - Cosponsors: 21 - Policy area: Emergency Management - Touches household money: yes - Last recorded action: 2026-10-24 ## Summary **Creates a Community-Based Catastrophe Insurance (CBCI) pilot to help communities share and manage large disaster losses.** The pilot would fund local programs that pair new insurance tools with incentives for resilience to protect high-exposure properties and test ways to stabilize private insurance markets. - Families and households in targeted areas would gain new insurance or parametric payout options and clearer plain-language disclosures about covered perils, triggers, limits, and how products interact with disaster aid. - States, Tribal governments, Native organizations, nonprofits, and community groups could receive competitive grants to design, run, enroll people in, or even operate CBCI programs, including buying reinsurance or using digital delivery tools. - State insurance regulators and private insurers must be involved and retained authority; the pilot would test nontraditional risk-transfer models to inform how markets and regulators manage catastrophe risk. *Authorizes $20.0 million per year for fiscal years 2027 through 2031 for the pilot, totaling $100.0 million, and the CBCI authority would terminate September 30, 2031.* ## Cosponsors (21) - Rep. Olszewski, Johnny [D-MD-2] (D-MD), 2026-10-01T00:00:00.000Z - Rep. Bera, Ami [D-CA-6] (D-CA), 2026-10-01T00:00:00.000Z - Rep. Bonamici, Suzanne [D-OR-1] (D-OR), 2026-10-01T00:00:00.000Z - Rep. Case, Ed [D-HI-1] (D-HI), 2026-10-01T00:00:00.000Z - Rep. Castor, Kathy [D-FL-14] (D-FL), 2026-10-01T00:00:00.000Z - Rep. Cisneros, Gilbert Ray [D-CA-31] (D-CA), 2026-10-01T00:00:00.000Z - Rep. Cohen, Steve [D-TN-9] (D-TN), 2026-10-01T00:00:00.000Z - Rep. Dexter, Maxine [D-OR-3] (D-OR), 2026-10-01T00:00:00.000Z - Rep. Kennedy, Timothy M. [D-NY-26] (D-NY), 2026-10-01T00:00:00.000Z - Rep. Levin, Mike [D-CA-49] (D-CA), 2026-10-01T00:00:00.000Z - Rep. Mullin, Kevin [D-CA-15] (D-CA), 2026-10-01T00:00:00.000Z - Rep. Ross, Deborah K. [D-NC-2] (D-NC), 2026-10-01T00:00:00.000Z - Rep. Salinas, Andrea [D-OR-6] (D-OR), 2026-10-01T00:00:00.000Z - Rep. Thanedar, Shri [D-MI-13] (D-MI), 2026-10-01T00:00:00.000Z - Rep. Panetta, Jimmy [D-CA-19] (D-CA), 2026-10-05T00:00:00.000Z - Rep. Williams, Nikema [D-GA-5] (D-GA), 2026-10-05T00:00:00.000Z - Rep. Quigley, Mike [D-IL-5] (D-IL), 2026-10-05T00:00:00.000Z - Rep. Pingree, Chellie [D-ME-1] (D-ME), 2026-10-09T00:00:00.000Z - Rep. Simon, Lateefah [D-CA-12] (D-CA), 2026-10-09T00:00:00.000Z - Rep. Wasserman Schultz, Debbie [D-FL-25] (D-FL), 2026-10-09T00:00:00.000Z - Rep. Casten, Sean [D-IL-6] (D-IL), 2026-10-22T00:00:00.000Z ## Provisions PRIA read - Grants for community disaster insurance: benefit, medium. This bill would authorize $20 million per year for fiscal years 2027 through 2031 for a FEMA pilot to support community-based catastrophe insurance. FEMA would have to set up the pilot within 1 year and issue program guidance within 180 days. Grants would be competitively awarded to States, Tribes,… - State control of insurance rules: benefit, low. This bill would leave insurance oversight with State regulators and say federal agencies cannot set rates, license insurers, or approve policy forms under the pilot. Covered entities would have to comply with State insurance laws and get a regulator determination or written confirmation before offe… - Studies and reporting on pilot results: benefit, low. This bill would require the Comptroller General to deliver two studies on the pilot. The first would be due within 1 year after at least 3 covered entities have used a program for a hazard or within 3 years after the pilot starts, whichever is earlier. The second would be due within 1 year after th… - What grants can pay for: benefit, low. This bill would let grant recipients use funds for consumer research, targeted outreach and enrollment, catastrophe risk modeling, and designing parametric or indemnity products. Grants could pay to build claims systems, evaluate programs, and secure non‑Federal capital and accounts to receive fund… - Community insurance payouts and disclosures: mixed, medium. This bill would allow community programs to use parametric payments that pay fixed or graduated amounts when objective triggers are met, with verification and timely payout. It would require strategies to reduce basis risk and clear, plain‑language disclosures before enrollment and at renewal that… ## Related bills - 119-hr-7973: Momnibus Act - 119-hr-51: Washington, D.C. Admission Act - 119-hr-20: Richard L. Trumka Protecting the Right to Organize Act of 2025 - 119-hr-7977: Energy Bills Relief Act - 119-hr-5390: FAMILY Act - 119-hr-4206: CONNECT for Health Act of 2025 ## Sources - [119-hr-10686 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/10686) ## Related - [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973) - [119-hr-51: Washington, D.C. Admission Act](https://policyrisk.com/legislation/119-hr-51) - [119-hr-20: Richard L. Trumka Protecting the Right to Organize Act of 2025](https://policyrisk.com/legislation/119-hr-20) - [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977) - [119-hr-5390: FAMILY Act](https://policyrisk.com/legislation/119-hr-5390) - [119-hr-4206: CONNECT for Health Act of 2025](https://policyrisk.com/legislation/119-hr-4206) - [All bills in Congress](https://policyrisk.com/legislation) Source: PRIA, https://policyrisk.com/legislation/119-hr-10686 (as of 2026-10-24).