# Georgia HB 511: Insurance; deductions from taxable income for contributions by taxpayers to catastrophe savings accounts and interest earned on such accounts; provide

Georgia HB 511, Insurance; deductions from taxable income for contributions by taxpayers to catastrophe savings accounts and interest earned on such accounts; provide, is a 2025-2026 Regular Session House bill sponsored by Shaw Blackmon (Republican), James Burchett (Republican), Matt Hatchett (Republican) and 3 others; status signed, last action 2025-07-01 (Effective Date); PRIA reads it as touching household money (as of 2026-10-12).

- Canonical: https://policyrisk.com/state-bill/GA-HB511-2025-2026
- As of: 2026-10-12
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Georgia HB 511
- State: Georgia
- Session: 2025-2026 Regular Session
- Title: Insurance; deductions from taxable income for contributions by taxpayers to catastrophe savings accounts and interest earned on such accounts; provide
- Status: signed
- Chamber: House
- Introduced: 2025-02-19
- Last action: 2025-07-01, Effective Date
- Sponsors: Shaw Blackmon (Republican), James Burchett (Republican), Matt Hatchett (Republican), Eddie Lumsden (Republican), Brian Prince (Democrat), Noel Williams (Republican)
- Cosponsors: 1
- Subjects: Ways & Means, Finance, General Bill
- Touches household money: yes
- Roll calls: 3 (261 yes, 20 no in all)
- Economic provisions PRIA read: 1

## Summary

No summary available.

## Bill overview: provisions PRIA read

- Homeowners get disaster tax breaks with limits: mixed, high. The law takes effect July 1, 2025, and its tax rules apply to tax years beginning January 1, 2026, or later. Georgia resident taxpayers can deduct contributions to a designated catastrophe savings account from income subject to Georgia tax. Account interest is also exempt from Georgia income tax. T…

## Sponsors and cosponsors

- Sponsor: Shaw Blackmon (Republican), House
- Sponsor: James Burchett (Republican), House
- Sponsor: Matt Hatchett (Republican), House
- Sponsor: Eddie Lumsden (Republican), House
- Sponsor: Brian Prince (Democrat), House
- Sponsor: Noel Williams (Republican), House
- Cosponsor: Larry Walker (Republican), Senate

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2025-03-31 | Senate | PASSAGE | pass | 54 | 0 |   |
| 2025-03-31 | Senate | MOTION TO ENGROSS: HB 144, HB 153, HB 511 | pass | 30 | 20 | 5 |
| 2025-03-06 | House | PASSAGE | pass | 177 | 0 | 1 |

## Actions (18)

- 2025-07-01: Effective Date
- 2025-05-14: House Date Signed by Governor (House)
- 2025-05-14: Act 269
- 2025-04-07: House Sent to Governor (House)
- 2025-03-31: Senate Engrossed (Senate)
- 2025-03-31: Senate Tabled (Senate)
- 2025-03-31: Senate Taken from Table (Senate)
- 2025-03-31: Senate Third Read (Senate)
- 2025-03-31: Senate Passed/Adopted (Senate)
- 2025-03-18: Senate Read Second Time (Senate)
- 2025-03-13: Senate Committee Favorably Reported (Senate)
- 2025-03-10: Senate Read and Referred (Senate)
- 2025-03-06: House Committee Favorably Reported By Substitute (House)
- 2025-03-06: House Third Readers (House)
- 2025-03-06: House Passed/Adopted By Substitute (House)
- 2025-02-21: House Second Readers (House)
- 2025-02-20: House First Readers (House)
- 2025-02-19: House Hopper (House)

## Bill text

- HB 511/AP* (v7): [PDF](https://www.legis.ga.gov/api/legislation/document/20252026/238509)

## Related bills

- SB 160: Reckless Stunt Driving; a motor vehicle involved in a second offense of reckless stunt driving; replace the forfeiture penalty (signed)
- SB 384: Motor Vehicle; optional five-year motor vehicle registration and revalidation for certain motor vehicles; provide (signed)
- SB 76: License Plates; specialty license plate benefitting the Georgia Veterans Service Foundation; establish (signed)
- SB 406: "Georgia Property Owners' Bill of Rights Act"; enact (signed)
- HB 1391: Specialty license plates; honor public safety officers; establish (signed)
- HB 1344: Georgia Insurance Affordability and Claims Integrity Act; enact (signed)

## Sources
- [HB 511/AP* (v7) (PDF)](https://www.legis.ga.gov/api/legislation/document/20252026/238509)

## Related
- [SB 160: Reckless Stunt Driving; a motor vehicle involved in a second offense of reckles…](https://policyrisk.com/state-bill/GA-SB160-2025-2026)
- [SB 384: Motor Vehicle; optional five-year motor vehicle registration and revalidation f…](https://policyrisk.com/state-bill/GA-SB384-2025-2026)
- [SB 76: License Plates; specialty license plate benefitting the Georgia Veterans Servic…](https://policyrisk.com/state-bill/GA-SB76-2025-2026)
- [SB 406: "Georgia Property Owners' Bill of Rights Act"; enact](https://policyrisk.com/state-bill/GA-SB406-2025-2026)
- [HB 1391: Specialty license plates; honor public safety officers; establish](https://policyrisk.com/state-bill/GA-HB1391-2025-2026)
- [HB 1344: Georgia Insurance Affordability and Claims Integrity Act; enact](https://policyrisk.com/state-bill/GA-HB1344-2025-2026)
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Source: PRIA, https://policyrisk.com/state-bill/GA-HB511-2025-2026 (as of 2026-10-12).