# North Dakota HB 1027: AN ACT to amend and reenact sections 26.1-01-03, 26.1-22-01, 26.1-22-02, 26.1-22-02.1, 26.1-22-03.1, 26.1-22-09, 26.1-22-10, 26.1-22-11, 26.1-22-14, 26.1-22-16, 26.1-22-17, 26.1-22-21, and 26.1-22-22, subdivisions a and c of subsection 1 of section 26.1-23.1-01, and section 37-03-13 of the North Dakota Century Code, relating to changing the administration of the state fire and tornado fund from the insurance commissioner to the office of management and budget; to repeal sections 26.1-22-03, 26.1-22-05, 26.1-22-06, 26.1-22-06.1, 26.1-22-08, 26.1-22-10.1, 26.1-22-13, 26.1-22-15, 26.1-22-18, 26.1-22-19, and 26.1-22-21.1 of the North Dakota Century Code, relating to the administration of the state fire and tornado fund; to provide for a legislative management study; and to provide a continuing appropriation.

North Dakota HB 1027, AN ACT to amend and reenact sections 26.1-01-03, 26.1-22-01, 26.1-22-02, 26.1-22-02.1, 26.1-22-03.1, 26.1-22-09, 26.1-22-10, 26.1-22-11, 26.1-22-14, 26.1-22-16, 26.1-22-17, 26.1-22-21, and 26.1-22-22, subdivisions a and c of subsection 1 of section 26.1-23.1-01, and section 37-03-13 of the North Dakota Century Code, relating to changing the administration of the state fire and tornado fund from the insurance commissioner to the office of management and budget; to repeal sections 26.1-22-03, 26.1-22-05, 26.1-22-06, 26.1-22-06.1, 26.1-22-08, 26.1-22-10.1, 26.1-22-13, 26.1-22-15, 26.1-22-18, 26.1-22-19, and 26.1-22-21.1 of the North Dakota Century Code, relating to the administration of the state fire and tornado fund; to provide for a legislative management study; and to provide a continuing appropriation., is a 2025 Regular Session House bill sponsored by Legislative Management; status signed, last action 2025-04-24 (Filed with Secretary Of State 04/22); PRIA reads it as touching household money (as of 2026-10-19).

- Canonical: https://policyrisk.com/state-bill/ND-HB1027-202501
- As of: 2026-10-19
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: North Dakota HB 1027
- State: North Dakota
- Session: 2025 Regular Session
- Title: AN ACT to amend and reenact sections 26.1-01-03, 26.1-22-01, 26.1-22-02, 26.1-22-02.1, 26.1-22-03.1, 26.1-22-09, 26.1-22-10, 26.1-22-11, 26.1-22-14, 26.1-22-16, 26.1-22-17, 26.1-22-21, and 26.1-22-22, subdivisions a and c of subsection 1 of section 26.1-23.1-01, and section 37-03-13 of the North Dakota Century Code, relating to changing the administration of the state fire and tornado fund from the insurance commissioner to the office of management and budget; to repeal sections 26.1-22-03, 26.1-22-05, 26.1-22-06, 26.1-22-06.1, 26.1-22-08, 26.1-22-10.1, 26.1-22-13, 26.1-22-15, 26.1-22-18, 26.1-22-19, and 26.1-22-21.1 of the North Dakota Century Code, relating to the administration of the state fire and tornado fund; to provide for a legislative management study; and to provide a continuing appropriation.
- Status: signed
- Chamber: House
- Introduced: 2025-01-07
- Last action: 2025-04-24, Filed with Secretary Of State 04/22
- Sponsor: Legislative Management
- Cosponsors: 0
- Touches household money: yes
- Roll calls: 3 (212 yes, 15 no in all)
- Economic provisions PRIA read: 10

## Summary

No summary available.

## Bill overview: provisions PRIA read

- Local governments repay unlawful action defenses: cost, low. A local government must repay its self-insurance pool's legal fees, expenses, and costs for defending an action. This applies only when a court finds its governing body intentionally violated state law through official action. The court must make that finding by clear and convincing evidence.
- Public insurers charge fund refill assessments: cost, low. When the fund falls below $12 million, OMB must assess active policies to restore that balance. Assessments generally cannot exceed 60% of Insurance Services Office rates, but that cap disappears below $3 million. Fractional assessment percentages round up. Insured agencies, local governments, and…
- Public property claims face stricter duties: cost, low. Insured entities must immediately report damage to OMB, providing property details, insurance amounts, likely loss, and likely cause. Unless their policy allows otherwise, they must leave property undisturbed until OMB adjusts the loss or confirms it has needed information. OMB can require an unrea…
- Contractors can receive damage recovery waivers: mixed, low. OMB can waive the fund's right to recover fire or explosion losses caused by contractors, their employees, or agents. The damage must occur during contracted work that alters or adds to a fund-insured building. A waiver is OMB's choice, not automatic. It reduces contractors' exposure to recovery cl…
- Disaster borrowing carries public policyholder costs: mixed, low. If one or more disasters push the fund below $2 million, OMB can borrow to restore it to $2 million. Industrial Commission approval is required for anticipation bonds or a Bank of North Dakota loan. Repayment can last no more than 20 years and must come from assessments on all active policies. The…
- New management for public property insurance: mixed, low. The Office of Management and Budget (OMB) replaces the Insurance Commissioner as manager of the State Fire and Tornado Fund. A dedicated treasury fund has ongoing spending authority for covered claims, loss reviews, administration, inspections, and reinsurance. OMB can hire administrators, delegate…
- Public buildings face replacement value rules: mixed, low. Insured state buildings built after 1939, including fixtures and permanent contents, require replacement-cost coverage unless OMB approves another value. OMB sets valuation and underwriting guidelines, may allow blanket coverage, and resolves value disputes through arbitration. Agencies must obtain…
- Public entities get limited insurance choices: mixed, low. Authorized private insurers can cover state mill and elevator buildings and contents, local-government public buildings, and public libraries' vandalism damage. Private coverage can replace or supplement fund insurance, and is also allowed after fund cancellation under the law. Otherwise, agencies,…
- Public policyholders pay for disaster backup: mixed, low. OMB must buy and maintain excess-loss reinsurance, which provides backup insurance for the fund's large losses. Its cost comes from assessment income and is charged to policyholders who benefit. Reinsurers must be authorized to do business in North Dakota, and contracts must require at least 60 day…
- Public property coverage with access limits: mixed, low. Upon application, OMB must insure buildings, fixtures, and permanent contents owned by state agencies, local governments, and winter shows. Covered risks include fire, lightning, explosions, windstorms, tornadoes, hail, strike-related riots, aircraft, smoke, and vehicles, subject to restrictions an…

## Sponsors and cosponsors

- Sponsor: Legislative Management

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2025-04-15 | House | Second reading, passed, yeas 84 nays 6 | pass | 84 | 6 |   |
| 2025-04-04 | Senate | Second reading, passed as amended, yeas 41 nays 4 | pass | 41 | 4 |   |
| 2025-02-03 | House | Second reading, passed, yeas 87 nays 5 | pass | 87 | 5 |   |

## Actions (19)

- 2025-04-24: Filed with Secretary Of State 04/22 (House)
- 2025-04-23: Signed by Governor 04/21 (House)
- 2025-04-21: Sent to Governor (House)
- 2025-04-21: Signed by Speaker (House)
- 2025-04-17: Signed by President (Senate)
- 2025-04-15: Second reading, passed, yeas 84 nays 6 (House)
- 2025-04-15: Concurred (House)
- 2025-04-07: Returned to House (12) (House)
- 2025-04-04: Second reading, passed as amended, yeas 41 nays 4 (Senate)
- 2025-04-04: Amendment adopted, placed on calendar (Senate)
- 2025-04-03: Reported back amended, do pass, amendment placed on calendar 4 1 0 (Senate)
- 2025-02-18: Committee Hearing 10:00 (Senate)
- 2025-02-05: Introduced, first reading, referred Industry and Business Committee (Senate)
- 2025-02-04: Received from House (Senate)
- 2025-02-03: Second reading, passed, yeas 87 nays 5 (House)
- 2025-01-30: Amendment adopted, placed on calendar (House)
- 2025-01-29: Reported back amended, do pass, amendment placed on calendar 10 3 1 (House)
- 2025-01-13: Committee Hearing 02:00 (House)
- 2025-01-07: Introduced, first reading, referred Industry, Business and Labor Committee (House)

## Bill text

- Adopted by the House Industry, Business and Labor Committee: [PDF](https://ndlegis.gov/assembly/69-2025/regular/documents/25-0246-02001m.pdf)
- Adopted by the Senate Industry and Business Committee: [PDF](https://ndlegis.gov/assembly/69-2025/regular/documents/25-0246-03001m.pdf)
- Enrollment: [PDF](https://ndlegis.gov/assembly/69-2025/regular/documents/25-0246-05000.pdf)
- FIRST ENGROSSMENT: [PDF](https://ndlegis.gov/assembly/69-2025/regular/documents/25-0246-03000.pdf)
- FIRST ENGROSSMENT with Senate Amendments: [PDF](https://ndlegis.gov/assembly/69-2025/regular/documents/25-0246-04000.pdf)
- INTRODUCED: [PDF](https://ndlegis.gov/assembly/69-2025/regular/documents/25-0246-02000.pdf)

## Related bills

- HB 1298: AN ACT to amend and reenact sections 39-06.1-06, 39-09-02, 39-09-04, and 39-09-07.1, and subsection 2 of section 40-05-06 of the North Dakota Century Code, rel… (signed)
- SB 2390: AN ACT to create and enact three new sections to chapter 54-40.1 of the North Dakota Century Code, relating to a rural catalyst committee, grant program, and f… (signed)
- HB 1229: AN ACT to create and enact a new subdivision to subsection 2 of section 39-06.1-06 and section 39-10-71.1 of the North Dakota Century Code, relating to statuto… (signed)
- SB 2113: AN ACT to create and enact two new sections to chapter 50-06 of the North Dakota Century Code, relating to certified community behavioral health clinics and th… (signed)
- SB 2147: AN ACT to create and enact a new subsection to section 15-10-38.4, a new subsection to section 15-62.4-03, a new section to chapter 15-62.4, and a new subsecti… (signed)
- SB 2018: AN ACT to provide an appropriation for defraying the expenses of the department of commerce; to provide an appropriation to the attorney general; to provide an… (signed)

## Sources
- [Adopted by the House Industry, Business and Labor Committee (PDF)](https://ndlegis.gov/assembly/69-2025/regular/documents/25-0246-02001m.pdf)
- [Adopted by the Senate Industry and Business Committee (PDF)](https://ndlegis.gov/assembly/69-2025/regular/documents/25-0246-03001m.pdf)
- [Enrollment (PDF)](https://ndlegis.gov/assembly/69-2025/regular/documents/25-0246-05000.pdf)
- [FIRST ENGROSSMENT (PDF)](https://ndlegis.gov/assembly/69-2025/regular/documents/25-0246-03000.pdf)
- [FIRST ENGROSSMENT with Senate Amendments (PDF)](https://ndlegis.gov/assembly/69-2025/regular/documents/25-0246-04000.pdf)
- [INTRODUCED (PDF)](https://ndlegis.gov/assembly/69-2025/regular/documents/25-0246-02000.pdf)

## Related
- [HB 1298: AN ACT to amend and reenact sections 39-06.1-06, 39-09-02, 39-09-04, and 39-09-…](https://policyrisk.com/state-bill/ND-HB1298-202501)
- [SB 2390: AN ACT to create and enact three new sections to chapter 54-40.1 of the North D…](https://policyrisk.com/state-bill/ND-SB2390-202501)
- [HB 1229: AN ACT to create and enact a new subdivision to subsection 2 of section 39-06.1…](https://policyrisk.com/state-bill/ND-HB1229-202501)
- [SB 2113: AN ACT to create and enact two new sections to chapter 50-06 of the North Dakot…](https://policyrisk.com/state-bill/ND-SB2113-202501)
- [SB 2147: AN ACT to create and enact a new subsection to section 15-10-38.4, a new subsec…](https://policyrisk.com/state-bill/ND-SB2147-202501)
- [SB 2018: AN ACT to provide an appropriation for defraying the expenses of the department…](https://policyrisk.com/state-bill/ND-SB2018-202501)
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Source: PRIA, https://policyrisk.com/state-bill/ND-HB1027-202501 (as of 2026-10-19).