# 119-hr-827: Homeowners’ Defense Act of 2025

119-hr-827, Homeowners’ Defense Act of 2025, is a 119th Congress bill sponsored by Rep. Wilson, Frederica S. [D-FL-24] (D-FL); status introduced; PRIA reads it as touching household money (as of 2025-12-21).

- Canonical: https://policyrisk.com/legislation/119-hr-827
- As of: 2025-12-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-827
- Congress: 119
- Title: Homeowners’ Defense Act of 2025
- Status: introduced
- Introduced: 2025-01-28
- Sponsor: Rep. Wilson, Frederica S. [D-FL-24] (D-FL)
- Cosponsors: 2
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2025-12-21

## Summary

**Creates a federal backstop of guarantees and reinsurance to help state catastrophe insurance programs pay large residential losses.** It also sets up a national risk consortium and funds mitigation grants to reduce future damage.

## Cosponsors (2)

- Rep. Johnson, Henry C. "Hank" [D-GA-4] (D-GA), 2025-02-21T00:00:00.000Z
- Rep. Mfume, Kweisi [D-MD-7] (D-MD), 2025-06-06T00:00:00.000Z

## Provisions PRIA read

- Federal guarantees for state disaster insurance debt: benefit, high. If enacted, Treasury could guarantee debt that State catastrophe programs issue after extreme events. Total guarantees would be capped at $3.5 billion for earthquakes and $17.0 billion for other perils. Each guarantee would start with a 3‑year commitment, could extend yearly, and the debt term coul…
- Federal reinsurance for state disaster programs: benefit, high. If enacted, Treasury could sell reinsurance only to certified State catastrophe programs. Each contract would cover 80%–90% of insured losses above the State program’s retained losses, usually for one year. Claims would need to be reported within three years, and prices would be actuarially sound t…
- Grants to help homeowners prevent losses: benefit, medium. If enacted, HUD would run a Mitigation Grant Program. States, local governments, or certain national nonprofits could get funds for public education, risk mapping, home inspections, and money to help homeowners retrofit their homes. HUD would favor applicants serving lower‑income people and areas.…
- National group to track catastrophe risks: benefit, medium. If enacted, a National Catastrophe Risk Consortium would be created and led by Treasury. Any State could join. It would track insurers’ catastrophe obligations, study affordability and market gaps, include consumer and minority voices, and report to Congress each year. It could be funded for fiscal…
- Studies on pricing and rental coverage: benefit, low. If enacted, two fast studies would be ordered. The Comptroller General would report within six months on State program pricing, whether rates cover future costs, and impacts on policyholders. Treasury would also study whether to extend these programs to insurance for mostly residential rental build…
- State standards to qualify for federal backstops: mixed, high. If enacted, Treasury would certify only State programs that meet strict rules. Boards must be mostly public officials, the State must have a financial stake, and programs may not distribute net profits to participating insurers. States would need mitigation programs, modern building codes, and prem…

## Related bills

- 119-hr-9877: Health Equity and Accountability Act of 2026
- 119-hr-9497: Water Resources Development Act of 2026
- 119-hr-7977: Energy Bills Relief Act
- 119-hr-4669: FEMA Act of 2025
- 119-hr-10421: Transforming Education for the Future Act
- 119-hr-7481: Department of Homeland Security Appropriations Act, 2026

## Sources
- [119-hr-827 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/827)

## Related
- [119-hr-9877: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-hr-9877)
- [119-hr-9497: Water Resources Development Act of 2026](https://policyrisk.com/legislation/119-hr-9497)
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hr-4669: FEMA Act of 2025](https://policyrisk.com/legislation/119-hr-4669)
- [119-hr-10421: Transforming Education for the Future Act](https://policyrisk.com/legislation/119-hr-10421)
- [119-hr-7481: Department of Homeland Security Appropriations Act, 2026](https://policyrisk.com/legislation/119-hr-7481)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-827 (as of 2025-12-21).