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MarylandHB 12192026 Regular SessionHouse

Climate Change, Homeowner's Insurance, and Emergency Management - Study

Sponsored By: David Fraser-Hidalgo (Democratic)

Signed by Governor

Insurance - Other than HealthEnvironmentConstructionCounties -see also- Chartered Counties; Code Counties; etc.Emergency Management, Department ofEmergencies -see also- PandemicsEnvironment, Department of theEnvironmental Matters -see also- Conserv; Nat Resrce; PollutEvaluations and ReviewsInsurance AdministrationInsurance -see also- Health Ins; MAIF; Motor Vehicle InsLegislatorsNatural Resources, Department ofPlans and ProposalsReal PropertyReportsRevenue and Taxes -see also- (specific tax)Standards and Best PracticesState Universities and CollegesStudies -see also- Commitees & Commissions; Reports

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Bill Overview

Analyzed Economic Effects

2 provisions identified: 2 benefits, 0 costs, 0 mixed.

Funding and 2027 deadline for study

The law lets the University System use up to $100,000 from the Strategic Energy Investment Fund to pay for the study. This funding is available starting June 1, 2026. Findings and recommendations are due to the General Assembly by July 1, 2027, under the state reporting law.

State study on climate and home insurance

Beginning June 1, 2026, the University System of Maryland runs a formal study on climate, home insurance, and emergency readiness. Oversight includes one senator and one delegate; state environment, natural resources, insurance, and emergency agencies; a county and a municipal emergency manager; and an insurance agents representative. The study reviews how climate risk affects insurance options and prices, federal grants and policies, FEMA's five mission areas, and local recovery funds. The report covers flood insurance programs and recommends ways to spur home upgrades, like tax credits, waivers, grants, loans, and free inspections. It also recommends insurance rate rules for resilience, emergency funding best practices, possible changes to Public Safety 14-110.5, steady funding, per person levels, and how to split money between training and response.

Sponsors & Cosponsors

Sponsor

  • David Fraser-Hidalgo

    Democratic • House

Cosponsors

  • Dylan Behler

    Democratic • House

  • Regina T. Boyce

    Democratic • House

  • Linda Foley

    Democratic • House

  • Marvin E. Holmes

    Democratic • House

  • Robbyn Lewis

    Democratic • House

  • Dana Stein

    Democratic • House

  • Natalie Ziegler

    Democratic • House

Roll Call Votes

All Roll Calls

Yes: 225 • No: 80

House vote • 4/10/2026

Third Reading Passed

Yes: 97 • No: 33 • Other: 8

Senate vote • 4/9/2026

Third Reading Passed

Yes: 28 • No: 13 • Other: 3

House vote • 3/23/2026

Third Reading Passed

Yes: 100 • No: 34 • Other: 6

Actions Timeline

  1. Approved by the Governor - Chapter 697

    5/26/2026

  2. Passed Enrolled

    4/10/2026House

  3. Third Reading Passed (97-33)

    4/10/2026House

  4. House Concurs Senate Amendments

    4/10/2026House

  5. Third Reading Passed (28-13)

    4/9/2026Senate

  6. Second Reading Passed with Amendments

    4/8/2026Senate

  7. Favorable with Amendments {283921/1 Adopted

    4/8/2026Senate

  8. Favorable with Amendments Report by Finance

    4/8/2026Senate

  9. Referred Finance

    3/23/2026Senate

  10. Third Reading Passed (100-34)

    3/23/2026House

  11. Second Reading Passed with Amendments

    3/21/2026House

  12. Favorable with Amendments {223722/1 Adopted

    3/21/2026House

  13. Favorable with Amendments Report by Environment and Transportation

    3/21/2026House

  14. Hearing 3/04 at 1:00 p.m. (Environment and Transportation)

    2/12/2026House

  15. First Reading Environment and Transportation and Judiciary

    2/11/2026House

Bill Text

  • Enacted

    5/26/2026

    PDF

  • Enrolled

    4/10/2026

    PDF

  • Third Reading

    3/21/2026

    PDF

  • First Reading

    2/12/2026

    PDF

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