(New Title) requiring the commissioner of the insurance department to prepare and publish a report regarding fortified home and commercial standards, and other mitigation and resiliency programs.
Sponsored By: David H. Watters (Democratic)
Signed by Governor
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Bill Overview
Analyzed Economic Effects
2 provisions identified: 2 benefits, 0 costs, 0 mixed.
New weather-risk information for insurance buyers
Beginning January 1, 2027, New Hampshire’s insurance commissioner must prepare information for home, personal auto, property, and related business insurance buyers. A public report is due by January 1, 2028, and every five years afterward. It must explain weather-safety standards and programs, and identify areas facing coverage loss or higher prices from extreme weather. The commissioner must assess current and future risks using state shoreland information, FEMA flood maps, the National Flood Insurance Program, First Street maps, the New Hampshire coastal viewer, and the state coastal program. The information may include insurers’ premium-increase data; an optional advisory council may receive grants, donations, or legally authorized fees.
Weather-safety measures count in insurance decisions
Beginning January 1, 2027, New Hampshire’s commissioner must consider weather-safety measures when reviewing excessive, inadequate, or unfairly discriminatory insurance rates. The excessive-rate rule applies in noncompetitive markets; state standards must reference science-based standards from national insurance organizations recognized by licensed insurers. Insurers must also consider these measures before canceling or refusing renewal because physical property changes made it uninsurable. Unfair insurance trade rules now include projected conditions in areas the commissioner identifies as facing increasing rain, storm surge, coastal flooding, wind, hurricanes, or hail. The law supports incentives for safer homes and businesses, but guarantees neither discounts nor continued coverage.
Sponsors & Cosponsors
Sponsor
David H. Watters
Democratic • Senate
Cosponsors
Chris Muns
Democratic • House
Cindy Rosenwald
Democratic • Senate
Debra Altschiller
Democratic • Senate
Donovan Fenton
Democratic • Senate
John Michael Potucek
Republican • House
Kevin A. Avard
Republican • Senate
Michael A Edgar
Democratic • House
Rebecca Perkins Kwoka
Democratic • Senate
Roll Call Votes
No roll call votes available for this bill.
Actions Timeline
Signed by the Governor on 06/19/2026; Chapter 202; Effective 01/01/2027
6/24/2026SenateEnrolled (in recess of) 06/04/2026 HJ 15 P. 43
6/10/2026HouseEnrolled Adopted, VV, (In recess 06/04/2026); SJ 14
6/10/2026SenateOught to Pass: MA VV 05/14/2026 HJ 13 P. 5
5/14/2026HouseCommittee Report: Ought to Pass 04/29/2026 (Vote 15-0; CC) HC 19 P. 8
5/1/2026HouseExecutive Session: 04/29/2026 10:00 am GP 229
4/22/2026HouseSubcommittee Work Session: 04/22/2026 01:15 pm GP 229
4/16/2026HousePublic Hearing: 04/16/2026 10:30 am GP 229
4/9/2026HouseIntroduced (in recess of) 02/19/2026 and referred to Commerce and Consumer Affairs HJ 5 P. 126
2/26/2026HouseCommittee Amendment # 2026-0506s, AA, VV; 02/19/2026; SJ 4
2/9/2026SenateOught to Pass with Amendment #2026-0506s, MA, VV; OT3rdg; 02/19/2026; SJ 4
2/9/2026SenateCommittee Report: Ought to Pass with Amendment # 2026-0506s, 02/19/2026; Vote 5-0; CC; SC 6
2/9/2026SenateHearing: 02/03/2026, Room 100, SH, 10:45 am; SC 1
1/8/2026SenateIntroduced 01/07/2026 and Referred to Commerce; SJ 1
11/25/2025Senate
Bill Text
Enrolled
6/10/2026
Introduced
11/25/2025
CHAPTERED FINAL VERSION
Version adopted by both bodies
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