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119-sres-554119th Congress

A resolution recognizing the strong link between climate change and skyrocketing insurance premiums.

Sponsored By: Senator Whitehouse, Sheldon [D-RI]

Introduced

Summary

Climate change is driving up homeowners' insurance costs. This Senate resolution would recognize that more frequent and intense natural disasters are linked to sharply higher premiums and warn that failing to address climate change could make housing less affordable.

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  • Would highlight that insured losses now exceed $100 billion a year, up from $8.4 billion in 2000 — about a 1,000% increase.
  • Would note insurance costs more than doubled from 2013 to 2022, that by 2022 insurance accounted for over 20% of mortgage payments, and that premiums rose about 40% faster than inflation.
  • Would point to heavy state-level burdens: 2024 average annual premiums were more than $14,000 in Florida; nearly $11,000 in Louisiana; about $8,000 in Oklahoma; $6,000 in Texas and Colorado; and roughly $5,000 in Alabama, Mississippi, and Nebraska, with a projected national increase of 8% in 2025 to over $3,500.

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Bill Overview

No Economic Impacts Identified for this Bill

Sponsors & CoSponsors

Sponsor

Whitehouse, Sheldon [D-RI]

RI • D

Cosponsors

  • Sen. Merkley, Jeff [D-OR]

    OR • D

    Sponsored 12/17/2025

  • Sen. Schatz, Brian [D-HI]

    HI • D

    Sponsored 12/17/2025

  • Sen. Markey, Edward J. [D-MA]

    MA • D

    Sponsored 12/17/2025

  • Sen. Van Hollen, Chris [D-MD]

    MD • D

    Sponsored 12/17/2025

  • Sen. Duckworth, Tammy [D-IL]

    IL • D

    Sponsored 12/17/2025

  • Sen. Smith, Tina [D-MN]

    MN • D

    Sponsored 12/17/2025

  • Sen. Padilla, Alex [D-CA]

    CA • D

    Sponsored 12/17/2025

  • Sen. Welch, Peter [D-VT]

    VT • D

    Sponsored 12/17/2025

  • Sen. Blunt Rochester, Lisa [D-DE]

    DE • D

    Sponsored 12/17/2025

  • Sen. Klobuchar, Amy [D-MN]

    MN • D

    Sponsored 12/18/2025

Roll Call Votes

No roll call votes available for this bill.

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