House Resolution No. ___, introduced by Representatives Willard, Mandie Landry, and Hilferty, calls on the United States Congress to establish a federal disaster insurance program to cover damages from various disasters, including flooding, tornadoes, and fires. The resolution highlights the urgent need for such insurance due to the increasing frequency and severity of weather-related disasters, particularly in Louisiana, which has experienced significant financial losses from events like Hurricanes Katrina, Sandy, Harvey, and Irma, as well as severe flooding incidents. The resolution cites statistics indicating that disasters have caused billions in damages and emphasizes the necessity for a comprehensive insurance solution to mitigate these impacts.

The proposed federal disaster insurance program would be modeled after the National Flood Insurance Program (NFIP) and aims to provide affordable coverage for homeowners and businesses while complementing existing federal disaster relief efforts. Key components of the program would include ensuring coverage for rebuilding costs, encouraging floodplain management regulations, and providing financial protection to insurers. The resolution concludes by urging Congress to take the necessary actions to implement this insurance coverage, thereby enhancing recovery efforts and providing stability for communities affected by disasters.