The Disaster Resiliency and Coverage Act of 2025, introduced by Congressman Doug LaMalfa and Congressman Mike Thompson, aims to address the insurance challenges faced by homeowners in disaster-prone areas. This bipartisan initiative is designed to provide incentives for homeowners to strengthen their properties against risks such as wildfires. By doing so, the legislation seeks to mitigate the ongoing insurance crisis in California and other affected states, where the frequency and severity of natural disasters have prompted insurers to increase rates or withdraw from markets.
The bill offers homeowners an opportunity to reduce their insurance costs through risk-reduction improvements. This not only enhances the resilience of their homes but also encourages insurers to re-enter the market, potentially stabilizing insurance availability and affordability.
