• Bipartisan, Bicameral Disaster Mitigation and Tax Parity Act of 2025 (S. 336/H.R. 1849): exempts from income tax any qualified catastrophe mitigation payments – e.g. fortifying against wind, earthquakes, or wildfires – made through state disaster resilience grant programs. 

• Bipartisan Disaster Resiliency and Coverage Act of 2025 (H.R. 1105): establishes a federal disaster mitigation grant program providing households in disaster-prone areas up to $10,000 for mitigation projects, excludes state disaster mitigation grants from taxable income, and offers a 30% tax credit for qualified risk reduction activities. 

• Bipartisan National Earthquake Hazards Reduction Program Reauthorization Act of 2025 (S.320): reauthorizes and updates the Earthquake Hazards Reduction Act to address nationwide seismic risks, authorizing funding through FY 2028 for FEMA, NIST, NSF, and USGS to support research and risk reduction efforts, given nearly half the U.S. population could face a damaging earthquake in the next 50 years.
• Bipartisan, Bicameral Fix Our Forests Act (S. 1462, H.R. 471): eases NEPA permitting reviews for wildfire risk reduction projects and limits related lawsuits.
• Bipartisan Wildfire Response Improvement Act (H.R. 1393): directs FEMA to update regulations and guidance for assistance and mitigation programs to address escalating wildfire risks, including debris removal, emergency measures, drinking water protections, and improvements to benefit-cost analysis for mitigation projects.
• Bipartisan FIREWALL Act (S. 1323): provides a refundable federal tax credit of up to $25,000 (covering 50% of eligible costs) for households earning under $200,000 (phasing out at $300,000) to fortify homes against natural disasters, like wildfires and floods, using fire-resistant materials, stormwater barriers, and vegetation removal.  
• Bipartisan READY Accounts Act (H.R. 440): creates a tax-free savings account (like an HSA) for home mitigation and disaster response costs, offering tax deductions on contributions and exempting growth, to reduce disaster recovery expenses, encourage preparedness, and lower insurance premiums.  
• Bipartisan Flood Insurance Affordability Tax Credit Act (S. 586): provides a 33% refundable tax credit to low- and middle-income NFIP policyholders to offset rising premiums and directs Treasury to establish a program for advanced premium payments through direct IRS-to-FEMA transfers, offering immediate relief amid ongoing NFIP reforms.
• Extends the National Flood Insurance Program through December 31, 2026 (S. 1015): extends the NFIP through December 31, 2026, to provide long-term stability for over 4.7 million policyholders and allow Congress time to pursue meaningful reforms.
• Restoring Competitive Property Insurance Availability Act (H.R. 1070): offers insurers tax deductions on income earned in disaster-affected areas for five years following a federally declared disaster. 

Previous Congresses: 

• Bicameral, Bipartisan Shelter Act (S. 2106/H.R. 4305) 118th Cong. (2023): provides a 25% federal tax credit (up to $2,500 per taxpayer) for qualifying disaster mitigation expenses to encourage homeowners and small businesses to invest in protective measures such as strengthening roofs, elevating housing units, and wildfire mitigation.
• Bicameral, Bipartisan Flood Insurance Relief Act (S. 4143/H.R. 8102) 118th Cong. (2024): allows an above-the-line tax deduction for NFIP and private flood insurance premiums, limited to taxpayers with adjusted gross incomes below $200,000 (or $400,000 for joint filers).  
• Bipartisan FLOAT Act (H.R. 10004) 118th Cong. (2024): provides a tax deduction of up to $1,000 for flood insurance premiums on primary residences, phasing out by $50 per $1 million in income above $400,000 (joint filers) or $200,000 (individuals).
• Catastrophic Wildfire Prevention Act of 2024 (S. 2132) 118th Cong. (2024): requires the Secretary of Agriculture to establish a pilot program using a pre-fire-suppression stand density index to assess forest conditions and guide mitigation efforts before fires occur.
• Disaster Assistance Simplification Act (S. 1528) 118th Cong. (2023): creates a unified disaster assistance system with a universal application across federal agencies to reduce the burdens on survivors, simplify aid access, ensure timely recovery, and improve efficiency and equity. 

• INSURE Act (S. 2349): establishes a federal catastrophic reinsurance program administered by the Treasury Department, phases out the National Flood Insurance Program, and requires insurers to offer a federally backstopped all-perils property insurance policy covering flood, wind, wildfire, and other major catastrophe risks.

• AI, Data Privacy, and Cyber Bill NAIC Supports text bock

• Oppose any federal preemption of state data privacy, cyber, and artificial intelligence protections.

• Financial Condition (Receivership, RBC, NRSROS) Bill NAIC Supports text bock

• Financial Condition (Receivership, RBC, NRSROS) Bill NAIC Opposes text bock

•  Federal Insurance Office Elimination Act (H.R. 643): Eliminate the Treasury Department’s Federal Insurance Office (FIO) to preserve state regulators’ Congressionally-affirmed role as the primary regulators of insurance. 

   

• Business of Insurance Regulatory Reform Act (S.2419/H.R. 4735): The bill prevents the Consumer Financial Protection Bureau (CFPB) from regulating the insurance industry. The legislation clarifies that the CFPB cannot extend its authority over entities in the business of insurance, even if their products or services fall under other consumer financial protection laws. Instead, state insurance regulators would retain jurisdiction over the industry.

   

• Primary Regulators of Insurance Voting Act (H.R. 4735): The bill would empower state insurance regulators with a vote on FSOC. 

• Pro-State-Based Regulation (FIO, CFPB) Bill NAIC Opposes text bock