The House Resolution calls on the United States Congress to establish a federal disaster insurance program to provide coverage for various natural disasters, including flooding, tornadoes, and fires, which have significantly impacted states like Louisiana. The resolution highlights the urgent need for such insurance due to the increasing frequency and severity of weather-related disasters, citing historical data that shows Louisiana has experienced over one hundred billion-dollar disasters since 1980. It emphasizes the financial burden these disasters impose on communities and the economy, with specific examples of damages from hurricanes and floods, including the catastrophic August 2016 flood in Louisiana.

The proposed federal disaster insurance program is suggested to be modeled after the National Flood Insurance Program (NFIP) and should include key components such as affordable coverage for homeowners and businesses, support for rebuilding costs, and incentives for better floodplain management. The resolution argues that a federal program would provide stability for insurers and ensure that coverage remains available during and after disasters, ultimately aiding in recovery efforts and reducing the financial impact on affected states. The resolution concludes by directing that copies be sent to relevant congressional leaders and Louisiana's congressional delegation.