# 119-sres-554: A resolution recognizing the strong link between climate change and skyrocketing insurance premiums.

119-sres-554, A resolution recognizing the strong link between climate change and skyrocketing insurance premiums., is a 119th Congress bill sponsored by Sen. Whitehouse, Sheldon [D-RI] (D-RI); status introduced (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-sres-554
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-sres-554
- Congress: 119
- Title: A resolution recognizing the strong link between climate change and skyrocketing insurance premiums.
- Status: introduced
- Introduced: 2025-12-17
- Sponsor: Sen. Whitehouse, Sheldon [D-RI] (D-RI)
- Cosponsors: 10
- Policy area: Finance and Financial Sector
- Touches household money: no
- Last recorded action: 2026-04-21

## 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. - 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.

## Cosponsors (10)

- Sen. Merkley, Jeff [D-OR] (D-OR), 2025-12-17T00:00:00.000Z
- Sen. Schatz, Brian [D-HI] (D-HI), 2025-12-17T00:00:00.000Z
- Sen. Markey, Edward J. [D-MA] (D-MA), 2025-12-17T00:00:00.000Z
- Sen. Van Hollen, Chris [D-MD] (D-MD), 2025-12-17T00:00:00.000Z
- Sen. Duckworth, Tammy [D-IL] (D-IL), 2025-12-17T00:00:00.000Z
- Sen. Smith, Tina [D-MN] (D-MN), 2025-12-17T00:00:00.000Z
- Sen. Padilla, Alex [D-CA] (D-CA), 2025-12-17T00:00:00.000Z
- Sen. Welch, Peter [D-VT] (D-VT), 2025-12-17T00:00:00.000Z
- Sen. Blunt Rochester, Lisa [D-DE] (D-DE), 2025-12-17T00:00:00.000Z
- Sen. Klobuchar, Amy [D-MN] (D-MN), 2025-12-18T00:00:00.000Z

## Related bills

- 119-s-5066: Health Equity and Accountability Act of 2026
- 119-s-2823: FAMILY Act
- 119-s-3869: Healthy Families Act
- 119-s-51: Washington, D.C. Admission Act
- 119-s-5108: Right to IVF Act of 2026
- 119-s-1503: Equality Act

## Sources
- [119-sres-554 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-resolution/554)

## Related
- [119-s-5066: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-s-5066)
- [119-s-2823: FAMILY Act](https://policyrisk.com/legislation/119-s-2823)
- [119-s-3869: Healthy Families Act](https://policyrisk.com/legislation/119-s-3869)
- [119-s-51: Washington, D.C. Admission Act](https://policyrisk.com/legislation/119-s-51)
- [119-s-5108: Right to IVF Act of 2026](https://policyrisk.com/legislation/119-s-5108)
- [119-s-1503: Equality Act](https://policyrisk.com/legislation/119-s-1503)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-sres-554 (as of 2026-04-21).