# 119-hr-8439: Commission on Natural Disaster Risk Management and Insurance Act

119-hr-8439, Commission on Natural Disaster Risk Management and Insurance Act, is a 119th Congress bill sponsored by Rep. Carbajal, Salud O. [D-CA-24] (D-CA); status introduced; PRIA reads it as touching household money (as of 2026-09-21).

- Canonical: https://policyrisk.com/legislation/119-hr-8439
- As of: 2026-09-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-8439
- Congress: 119
- Title: Commission on Natural Disaster Risk Management and Insurance Act
- Status: introduced
- Introduced: 2026-04-22
- Sponsor: Rep. Carbajal, Salud O. [D-CA-24] (D-CA)
- Cosponsors: 4
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-09-21

## Summary

**Creates an independent, nonpartisan Commission on Natural Disaster Risk Management and Insurance.** It would bring together experts across insurance, emergency management, engineering, finance, and climate science to develop majority-approved recommendations on disaster risk, insurance practices, and resilience planning. - Would be a 26-member panel drawn from four groups of experts to produce reports and recommendations on flood mapping, building standards, insurance, and disaster finance. - Would reserve two seats for state insurance commissioners chosen by their peers, and those two commissioners must be from different political parties. Members would serve without pay. - Could enter confidentiality-protected information-sharing agreements with federal, state, local, and Tribal entities but could not compel agencies or private stakeholders to provide data or share personally identifiable information.

## Cosponsors (4)

- Rep. Evans, Gabe [R-CO-8] (R-CO), 2026-04-22T00:00:00.000Z
- Rep. Carter, Troy A. [D-LA-2] (D-LA), 2026-04-22T00:00:00.000Z
- Rep. Ezell, Mike [R-MS-4] (R-MS), 2026-04-22T00:00:00.000Z
- Rep. Lawler, Michael [R-NY-17] (R-NY), 2026-09-02T00:00:00.000Z

## Provisions PRIA read

- Study disaster risks and insurance: benefit, medium. This bill would require the Commission to study national and local exposure to many natural disasters. It would assess insurance availability and affordability, mitigation, land use and building codes, risk-sharing tools like reinsurance and catastrophe bonds, and special needs of low-income commun…
- Privacy rules and Commission end date: benefit, low. This bill would let the Commission get nonpublic government data but not personally identifiable information. Sharing data with the Commission would not waive legal privileges or prior confidentiality agreements. No agency would be forced to collect or share data just for the Commission. The Commis…
- New disaster risk commission: benefit, low. This bill would create an independent Commission on natural disaster risk and insurance. The Commission would have 26 members organized in four appointment groups. Appointments must happen within 30 days of enactment. Members would serve without pay and a majority would approve reports and choose t…
- Congressional funding for the Commission: cost, low. This bill would authorize Congress to appropriate such sums as may be necessary to run the Commission. Those funds would remain available until expended. Actual spending would depend on later appropriation actions by Congress.

## Related bills

- 119-hr-9877: Health Equity and Accountability Act of 2026
- 119-hr-4275: Coast Guard Authorization Act of 2025
- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-4669: FEMA Act of 2025
- 119-hr-4393: DIGNIDAD (Dignity) Act of 2025
- 119-hr-1262: Mikaela Naylon Give Kids a Chance Act

## Sources
- [119-hr-8439 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/8439)

## Related
- [119-hr-9877: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-hr-9877)
- [119-hr-4275: Coast Guard Authorization Act of 2025](https://policyrisk.com/legislation/119-hr-4275)
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-4669: FEMA Act of 2025](https://policyrisk.com/legislation/119-hr-4669)
- [119-hr-4393: DIGNIDAD (Dignity) Act of 2025](https://policyrisk.com/legislation/119-hr-4393)
- [119-hr-1262: Mikaela Naylon Give Kids a Chance Act](https://policyrisk.com/legislation/119-hr-1262)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-8439 (as of 2026-09-21).