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 confirmed disaster events resulting in losses exceeding one billion dollars each since 1980. It emphasizes the devastating financial consequences of hurricanes and flooding, with specific examples of past disasters and their associated costs.

The resolution proposes that the federal disaster insurance program should be modeled after the National Flood Insurance Program (NFIP) and include key components such as affordable insurance for homeowners and businesses, coverage for rebuilding costs, and incentives for communities to adopt floodplain management regulations. It aims to provide financial protection for insurers, ensure reliable coverage during disasters, and facilitate quicker recovery efforts. The resolution concludes by directing that copies be sent to relevant congressional leaders and Louisiana's congressional delegation to advocate for this initiative.