Transcript Highlights:

• And God forbid we have another natural disaster or another And God forbid we have another natural disaster
• There are actually three buckets of disasters. We’ve talked about natural disasters.
• And the recovery from emergencies and disasters.
• that come from the federal government for the purposes of mitigation, and that's The funds on a disaster
• So, as Senator Smith said, we can have the emergency fund for natural disasters or other disasters of

Summary: The committee took up four bills before moving to a broader discussion of the Emergency Preparedness and Response Trust Fund. SB 434, which would prohibit counties from increasing a home’s assessed value because the owner installed wind mitigation measures, was presented as a homeowner protection measure and reported favorably. CS/SB 110, clarifying that certain 98-year-or-longer residential leaseholders remain eligible for the homestead exemption even if the lease ends at death, was also reported favorably without opposition. SB 856, requiring online real estate listing platforms to display estimated ad valorem taxes using prescribed calculation methods and not the current owner’s tax bill, drew supportive testimony from property appraisers, Zillow, and local government groups; members emphasized transparency for buyers, especially first-time homebuyers, and the bill was reported favorably. The committee then spent most of the meeting on SPB 7040, which would recreate and extend the Emergency Preparedness and Response Fund through December 31, 2027. Supporters, including the Division of Emergency Management, argued the fund is needed for hurricanes, flooding, other disasters, and rapid response operations, and said the extension preserves legislative oversight that would otherwise lapse. Opponents from advocacy and policy groups argued the fund has been used too broadly, especially for immigration-related detention and enforcement activities, and criticized the lack of tighter guardrails and transparency. They cited deaths in detention facilities, the use of emergency dollars for non-disaster purposes, and concerns about political favoritism and public accountability. Director Kevin Guthrie testified at length in support of the extension, explaining that the fund is used for natural, man-made, and technological emergencies, that reimbursements from federal and other sources are returned to the fund, and that the state has used it for hurricanes, flooding, civil unrest, international evacuations, and immigration-related operations under Operation Vigilant Sentry. He said the division has sought federal reimbursement for some expenses and that the fund helps the state respond quickly when emergencies arise. Members questioned the size of the fund, the amount spent on immigration-related activities, the status of federal reimbursements, and whether lawmakers should have more oversight or unannounced access to detention facilities. The bill discussion remained ongoing in the portion provided, with no final vote on SPB 7040 shown in the transcript excerpt.

Transcript Highlights:

• If the policyholder conducts the mitigation, provides evidence, and the insurer agrees that the mitigation
• They have an opportunity to mitigate.
• Mitigation reduces losses and improves resilience, but particularly in the wildfire space, mitigation
• SB 1076 goes far beyond recognizing mitigation.
• This is community-wide risk mitigation.

Committee: Senate Insurance

Transcript Highlights:

• If the policyholder conducts the mitigation, provides evidence, and the insurer agrees that the mitigation
• They have an opportunity to mitigate.
• They have an opportunity to mitigate.
• Mitigation reduces losses and improves resilience, but particularly in the wildfire space, mitigation
• This is community-wide risk mitigation.

Committee: Senate Insurance

Summary: The committee heard testimony on several insurance-related bills. SB 1209 by Senator Allen, sponsored by Insurance Commissioner Ricardo Lara, would give the Department of Insurance stronger enforcement tools when insurers fail to implement corrective actions identified in market conduct or financial examinations. Supporters said the bill would close gaps that allow repeated violations, improve solvency oversight, and protect policyholders; opponents argued CDI already has broad authority and raised concerns about duplicative penalties, due process, and the bill’s scope. Members discussed amendments to limit the bill to legal violations rather than recommendations, apply penalties per exam rather than per policy, and clarify accounting language. The committee voted to send SB 1209 to Appropriations, with the bill placed on call after a roll vote that included one no vote from Senator Niello. The committee also considered SB 1301, which would require more detailed non-renewal notices for residential property insurance, give policyholders time and information to address correctable issues, and restrict certain non-renewal reasons such as claims below deductible or not covered by the policy. Support came from homeowners, fire survivors, and consumer groups who said notices are often vague and leave families unable to keep coverage; insurers opposed the bill, warning that California’s notice period is already among the longest in the country and that the bill could worsen availability and add burdensome reporting requirements. The author said he was willing to reduce the notice period from 180 days to about three months and work on a mitigation-based process. The committee passed the bill to Appropriations, with Senator Niello voting no and the item placed on call. SB 1026 by Senator Gonzalez would tighten regulation of bail fugitive recovery agents by allowing the Department of Insurance to suspend or revoke licenses without a criminal conviction, adding conduct restrictions, and requiring continuous liability coverage and proper appointment notices. Supporters, including Commissioner Lara, said the bill addresses serious misconduct and loopholes that have led to unsafe conduct and weak oversight. Bail industry representatives and crime victims’ advocates opposed the measure, arguing that the required insurance coverage is unavailable or unlawful as written, that the bill would be hard to comply with, and that it could reduce the number of recovery agents and delay justice. The committee moved SB 1026 to Appropriations, with Senator Niello voting no and the bill placed on call. The committee then heard SB 982 by Senator Wiener, the Affordable Insurance and Recovery Act, which would authorize the Attorney General to sue fossil fuel companies to recover costs tied to climate disasters and insurance losses, with supporters framing it as a way to shift some climate-related costs away from policyholders and taxpayers. The author said amendments would remove retroactivity and delay liability until 2032, while supporters from flood and wildfire survivor groups and climate organizations said the bill would help fund recovery and stabilize insurance costs. Opponents from industry and building trades argued the bill was legally vulnerable, would create a de facto tax or liability scheme, and could harm jobs, energy production, and affordability. Testimony on SB 982 was extensive, but the transcript ends before any committee vote or final action on that bill.

Transcript Highlights:

• fund left for that disaster.
• These disasters keep happening.
• disasters in these burn scars for recovery and mitigation.
• Of the public assistance that we receive on a federal disaster at the state level to implement mitigation
• If I can use hazard mitigation funding, and I've got a lot of it because we've had a lot of disasters

Committee: House House Rural Development, Land Grants And Cultural Affairs

Transcript Highlights:

• We have proved that time and time again, through disaster after disaster.
• We help locals plan, train, exercise, respond, recover, and mitigate from all disasters.
• The disaster portfolio.
• I want to efficiently deploy those funds so that we can mitigate or avoid disasters.
• as a mitigation strategy.

Committee: House Disaster Preparedness & Flooding, Select

Transcript Highlights:

• We help locals plan, train, exercise, respond, recover, and mitigate from all disasters.
• And that is all in disaster recovery, so that's all in the after portion of a disaster?
• That is all of the disaster recovery. That's just the disaster recovery in our agency.
• Because I want to do it efficiently so that we can mitigate or avoid disasters. Better.
• a mitigation strategy.

Transcript Highlights:

• Let's talk about mitigation for a second.
• Let's talk about mitigation for a second.
• There are two bipartisan federal bills that are especially critical for California: the Disaster Mitigation
• Risk mitigation continues to accelerate.
• Risk mitigation continues to accelerate, all the money that we've put into risk mitigation.

Summary: The Assembly Insurance Committee held an oversight hearing on the Department of Insurance’s Sustainable Insurance Strategy (SIS), with Insurance Commissioner Ricardo Lara providing a detailed update on implementation after the January 2025 Los Angeles wildfires. Lara said the strategy has helped stabilize the market, speed claims payments, and keep insurers in California, citing $22.4 billion paid to wildfire survivors, 94% of 4,121 claims paid fully or partially, $210 million returned through department investigations, and a 27% reduction in claim closure time. He said major insurers, including Mercury, CSAA, USAA companies, Pacific Specialty, and California Casualty, have filed under SIS, with several more filings pending, and that approvals have generally been completed within 100 days of public notice. He also discussed modernization of rate review, a new data reconciliation tool, a planned regulation to require rate reviews within 60 days plus a possible 30-day extension, and ongoing work on Fair Plan oversight, wildfire risk modeling, and mitigation standards such as Zone Zero. Committee members focused on wildfire survivor non-renewals, Fair Plan growth, claim handling timelines, and whether new legislative proposals could help or hinder market stability. Lara said visible consumer relief should begin in 12 to 24 months, with broader market stabilization expected over three to five years, and emphasized that mitigation, faster rate review, and insurer participation are key to reducing reliance on the Fair Plan. He also highlighted his 22-bill package, including SB 876 on disaster claims handling, AB 1795 on smoke damage standards, AB 1680 on Fair Plan accountability, and reforms to the intervener process. Members raised concerns about balancing consumer protections with insurer participation, and Lara said the Legislature should weigh those tradeoffs through the committee process. Public commenters were divided but generally acknowledged the importance of the issue. Consumer and survivor advocates argued that insurers still delay or underpay claims and that more protections are needed, while industry representatives praised the department’s work and urged caution so the new system is not undermined. Several speakers stressed the need for mitigation, Zone Zero rules, and adequate rates, while others warned that wildfire and liability insurance problems are affecting foster care providers, commercial coverage, and utility wildfire costs. The hearing concluded with the committee adjourned after public comment.

Transcript Highlights:

• And God forbid we have another natural disaster or another And God forbid we have another natural disaster
• There's actually three buckets of disasters. We've talked about natural disasters.
• And the recovery from emergencies and disasters.
• that come from the federal government for the purposes of mitigation, and that's funds on a disaster
• So, as Senator Smith said, we can have the emergency fund for natural disasters or other disasters of

Bills: S7040 , S0110 , S0434 , S0856

Committee: Senate Appropriations

Keywords: property assessment, wind damage, home improvements, real estate, tax exemption, Florida statutes, ad valorem taxes, property listings, tax estimation, disclosure, Florida, residential property

Transcript Highlights:

• And I'm also our state hazard mitigation officer tasked with overseeing FEMA's hazard mitigation assistance
• mitigating that one.
• “Random acts of mitigation. Exactly.
• So I know the Housing and Community Development, through the CDBG programs, both the disaster post-disaster
• So I know the Housing and Community Development through the CDBG programs, both the disaster, post-disaster

Transcript Highlights:

• disaster declaration.
• And there's additionally no non-disaster grants.
• And so, you'll see that we had Declared disasters.
• And then disaster case management.
• The state has a mitigation plan update because we no longer are receiving hazard mitigation...

Transcript Highlights:

• So again, I just bring this up to highlight the critical importance of mitigation and support of mitigation
• I am the Assistant Director for Disaster Resilience.
• I am the Assistant Director for Disaster Resilience.
• Wildfire-related mitigation works.
• has a disaster response unit that goes where disaster survivors are located to assist them with all

Summary: The committee held a public hearing on House Bill 2579, which would create a Public Media Broadcaster Program and a Digital Equity Program funded by a 20-cent-per-line monthly tax on wireless, prepaid wireless, VoIP, and landline service. Staff explained that 80% of the revenue would support public media grants, 20% would support digital equity grants, and a small share could be used for administration. The prime sponsor, Rep. Chris Stearns, and many public media, community media, and digital equity supporters testified that public radio and television provide emergency alerts, local news, education, training, and community connection, especially in rural and underserved areas, and that federal funding cuts have made state support more urgent. Several witnesses described how public media helped with emergency communications, youth training, Indigenous programming, and access to local information. Opposition came from CTIA and Washington Citizens Against Unfair Taxes. CTIA argued the tax would add to already high wireless taxes in Washington and would be regressive because low-income residents rely heavily on wireless service. Washington Citizens Against Unfair Taxes objected to the bill as another tax increase and said it would worsen affordability. One supporter said an amendment would be offered to address a misunderstanding in the fiscal note. No vote was taken on the bill during the hearing. The committee then received a cybersecurity and critical infrastructure briefing from state emergency management and cybersecurity officials. They described Washington’s layered cybersecurity model, the role of state agencies, the Fusion Center, WOTEC, the National Guard, and the Emergency Management Division, and the growing threat from ransomware, supply-chain attacks, and AI-enabled attacks. Members asked about volunteer cyber response capacity, the most vulnerable sectors, and whether the legislature should fund more real-time threat monitoring and intelligence sharing. Officials said the state is working to establish a volunteer cyber incident response team and that the main gap is real-time monitoring across participating local and private networks. The committee also heard updates on the December 2025 flooding response and wildfire resilience. Emergency management officials reported widespread flooding, landslides, power outages, evacuations, rescues, and infrastructure damage, but said mitigation investments helped prevent worse outcomes. They identified gaps in statewide alerting, search and rescue coordination, and local emergency management capacity, and said a statewide alert system like Oregon’s would require ongoing funding. In the wildfire update, DNR and partner agencies described increasing wildfire risk, the use of aircraft, AI-enabled detection cameras, and common operating pictures, and ongoing work on hazard and risk mapping, community wildfire preparedness, and home hardening. Members asked about predictive technology, sediment removal, and other mitigation tools, and officials said they are working with universities and federal partners to improve prevention and response.

Transcript Highlights:

• So again, I just bring this up to highlight the critical importance of mitigation and support of mitigation
• And that disaster cash assistance is fully expended.
• Wildfire-related mitigation works.
• has a disaster response unit that goes where the disaster survivors are located to assist them with
• has a disaster response unit that goes where the disaster fires, disaster survivors are located to assist

Bills: HB2579

Committee: House Technology, Economic Development, & Veterans

Keywords: public media, digital equity, funding, media access, communication technology

Transcript Highlights:

• There are actually three buckets of disasters. We've talked about natural disasters.
• And the recovery from emergencies and disasters.
• I've talked to you about doing mitigation projects.
• that come from the federal government for the purposes of mitigation, and that's funds on a disaster
• So, as Senator Smith said, we can have the emergency fund for natural disasters or other disasters of

Bills: S7040 , S0110 , S0434 , S0856

Committee: Senate Appropriations

Summary: The committee met with a quorum present and took up three property-tax related bills before turning to a broader discussion of the Emergency Preparedness and Response Fund. SB 434, which would prohibit counties from increasing a residential property’s assessed value because the owner installed wind mitigation measures, was presented by Senator Lee and reported favorably. CS for SB 110, which clarifies that holders of 98-year-or-longer residential leases remain eligible for the homestead exemption even if the lease ends at death, was also reported favorably. SB 856, requiring online residential listing platforms to display estimated property taxes using prescribed calculation methods and not the current owner’s tax bill, drew support from property appraisers, Zillow representatives, and others and was reported favorably after questions about transparency and realtor obligations. The committee then considered SPB 7040, which would recreate and extend the Emergency Preparedness and Response Fund through December 31, 2027. Senator DiCeglie and Division of Emergency Management Director Kevin Guthrie argued the fund is needed for hurricane response, other natural and man-made emergencies, and reimbursement-based spending; they said the extension preserves legislative oversight that would otherwise lapse. Several senators questioned the use of the fund for immigration-related operations, detention facilities, and other non-disaster activities, as well as the lack of additional guardrails, reimbursement timing, and transparency. Guthrie said the division has used the fund for hurricanes, flooding, civil unrest, security operations, and other incidents, and that some reimbursements are still pending from the federal government. Public testimony on SPB 7040 was largely opposed. Speakers from the Florida Center for Fiscal and Economic Policy, the Southern Poverty Law Center, Florida for All, and others argued the fund has been repurposed for immigration enforcement and detention-related spending rather than true emergencies, and raised concerns about deaths in detention and the absence of competitive bidding and oversight. Guthrie answered extensive questions about the South Florida and North Florida detention facilities, Operation Vigilant Sentry, State Guard support, reimbursement requests, equipment purchases, and legislative access to facilities. The committee did not take a final vote on SPB 7040 within the portion of the transcript provided.

Transcript Highlights:

• Let's talk about mitigation for a second.
• Let's talk about mitigation for a second.
• There are two bipartisan federal bills that are especially critical for California: the Disaster Mitigation
• Risk mitigation continues to accelerate.
• To 3% to be able to address mitigation.

Committee: House Insurance

Transcript Highlights:

• And I'm also our state hazard mitigation officer tasked with overseeing FEMA's hazard mitigation assistance
• mitigating that one.
• Random acts of mitigation. Exactly.
• to create a local disaster.
• For communities that have faced a disaster to create a local disaster recovery district.

Summary: The joint Senate hearing focused on California wildfire resilience funding, the SB 254 report on natural catastrophe resilience, and how the state should better prioritize community hardening, recovery, and financing. Senators emphasized that catastrophic wildfires have driven major property losses, insurance cancellations, and affordability problems, and several members argued that prevention and home/community hardening should receive far more attention than they have to date. Members also raised concerns about CEQA and other permitting delays, the need for ongoing rather than one-time funding, and whether the state should rely more on the General Fund, utilities, or other sources such as polluter-pays approaches. The Legislative Analyst’s Office said the state has appropriated about $4.7 billion for wildfire resilience since 2018-19, with most funding going to forest health, fuels reduction, and related landscape work, while only about $65 million has been specifically targeted to community hardening. LAO also noted that future one-time funding is likely to decline, that GGRF revenues may be limited under the new cap-and-invest structure, and that maintenance costs for treated areas could be substantial over time. Senators pressed LAO on why wildfire resilience is not more often funded through the General Fund and on whether current spending matches the scale of the risk. Cal Fire’s State Fire Marshal described the state’s community wildfire preparedness strategy, centered on home hardening, defensible space, and neighborhood-scale mitigation, and said the SB 254 report aligns with Cal Fire’s direction. He said California has roughly 4 million homes in the wildland-urban interface, most built before modern wildfire-resistant standards, and highlighted recent streamlining that approved 383 fuels-reduction projects in under 30 days during an emergency proclamation. Cal OES described the AB 38 pilot and FEMA hazard mitigation work, saying federal approval delays have been a major barrier and that the state has hardened 155 properties so far through the pilot, with many more in process. The Wildfire and Forest Resilience Task Force said the state has coordinated more than $6 billion in state and federal investments, treated over 700,000 acres annually, and is shifting toward more regional, data-driven planning and block grants. Task force staff and Cal Fire both said they are moving beyond simple acreage metrics toward models that estimate avoided loss and community risk reduction, but acknowledged major data gaps on parcel-level home hardening and defensible space. No formal votes were taken; the hearing was informational, with members discussing possible future legislation and budget changes, including home inspection reforms and continued CEQA streamlining.

Transcript Highlights:

• As state leaders, we are at the front lines when disaster strikes.
• It would also empower communities to prioritize actions that mitigate wildfire risk.
• And look, I mean, nobody more than me has outlined the mitigation. Right.
• They recognize that a home that's mitigated is...
• I'll tell you the three things that we need to focus on in the Legislature: mitigation, mitigation, mitigation

Summary: The committee first heard AB 597, a bill to strengthen consumer protections for disaster survivors who use public adjusters. The author and the Department of Insurance said the measure would cap public adjuster fees at 15% for claims tied to declared disasters, require clearer contracts, prohibit solicitation during emergency conditions, and allow consumers to rescind contracts that were solicited during prohibited periods. Insurance industry groups supported the bill, while public adjuster representatives opposed it as written but said they were willing to work on revisions. The committee approved the bill and re-referred it to Appropriations; the roll call was ultimately recorded as 16-0. The committee then held its fourth oversight hearing on the Department of Insurance’s Sustainable Insurance Strategy, with Commissioner Ricardo Lara giving an extensive update on wildfire-related market reforms and consumer protections. He said the recent Southern California wildfires had not derailed the strategy and described actions including advance claim payments, a one-year moratorium on residential non-renewals in affected areas, a new fraud strike team, smoke-damage claim guidance, additional living expense protections, and a consumer claims tracker. He reported more than $12.1 billion in claims paid, over 37,000 claims filed, and more than 7,000 survivors assisted directly. He also discussed related bills and reforms, including AB 597, SB 495, SB 547, SB 429, SB 616, AB 888, and AB 2026. Members questioned the commissioner about the Fair Plan’s growing exposure, the $1 billion assessment, rate increases, non-renewals, underinsurance, and whether the reforms would actually stabilize the market. Lara said the assessment was already approved, that policyholders would not be hit with one large bill because insurers have two years to recover costs, and that the department was pushing insurers to use catastrophe modeling and reinsurance tools in exchange for commitments to write more policies in wildfire-distressed areas. He said the department expects to see market stabilization by 2026, though he emphasized the timeline depends on insurer participation, implementation of the new regulations, and future disaster activity. Members generally expressed support for the goals of the strategy while pressing for clearer expectations for consumers and faster action on mitigation and market reform.

Bills: HF331 , HF332 , HF334 , HF335 , HF336 , HF371 , HSB105 , HSB84 , HF220 , HSB106 , HSB108 , HF114 , HF122 , HF150 , HSB157 , HF204 , HF236 , HF274 , SSB1030 , SF111 , SF64 , SSB1065

Committee: Joint Education

Keywords: HF 331, Iowa High School Athletic Association, Iowa Girls High School Athletic Union, conference realignment, high school sports, interscholastic athletics, athletic conference, school athletics, school district, accredited nonpublic school, private school, activities association, girls sports, boys sports, student athletics, conference alignment, rivalries, travel distance, enrollment, state board of education

Transcript Highlights:

• Off by talking about national disaster trends.
• Related to mitigation and response to extreme climate and the disasters that have occurred as a result
• I have four staff members who are dealing with legacy disasters, so all of the historical disasters that
• You know where we can help mitigate.
• So, the legislature should consider whether wildfire mitigation management, whether wildfire mitigation

Committee: House Water & Natural Resources Committee

Transcript Highlights:

• And if you think about it, that is the cycle of a disaster. Recovery and mitigation.
• We respond to disasters as they occur.
• of future disasters.
• We had the multiple disasters, and you know Record books. We had the multiple disasters.
• We talk about our response, but as we move into the after-disaster actions, after a disaster, many nonprofit

Summary: The Natural Resources and Disaster Subcommittee met to continue its review of hurricane impacts and state response. The committee first heard from the Florida Division of Emergency Management, which described its four core functions—preparedness, response, recovery, and mitigation—and highlighted its 24/7 State Watch Office, regional training efforts, and disaster assistance work. Deputy Executive Director Keith Pruitt detailed the state’s 2024 storm response, including Hurricanes Debby, Helene, and Milton, citing large-scale mission support, flood-control deployments, meal and water distribution, power restoration, debris removal, and billions in disaster funding and mitigation dollars. He also discussed debris management challenges and recommended that local governments update and exercise debris plans and maintain contingency contracts.

Transcript Highlights:

• </c> is that it's also a mitigation issue. is that it's also a mitigation issue.
• </c> disaster issues and resiliency issues. disaster issues and resiliency issues.
• </c> uh mitigation adequately? uh mitigation adequately?
• </c> natural catastrophes, natural disasters. natural catastrophes, natural disasters.
• And once again, that multi-hazard mitigation look, looking across the scope of disasters.

Summary: The interim task force on disaster prevention and resiliency met for its fourth meeting and focused heavily on insurance markets, affordability, and mitigation. Cochairs noted they are working toward recommendations for a later fall meeting. The main presentation came from David Snyder of the American Property Casualty Insurance Association, who said the insurance industry sees itself as part of the problem and part of the solution because it ultimately pays for losses created by natural conditions, development choices, and construction practices. Snyder described rising losses from natural catastrophes, inflation-driven increases in rebuilding and repair costs, more development in disaster-prone areas, wildfire exposure, severe convective storms, hail, and roof damage. He argued that Kentucky should avoid the mistakes he attributed to California, where regulatory responses contributed to a strained insurance market and greater reliance on the FAIR Plan. He said Kentucky’s private market appears to be functioning better, with relatively few FAIR Plan policies, and urged lawmakers to preserve that market through risk-based rates and policies that do not worsen availability. He recommended a broad mitigation strategy involving stronger building codes, land-use decisions, stormwater infrastructure, public access to risk data, and incentives for resilient construction. He highlighted programs such as the Insurance Institute for Business and Home Safety, fortified-home standards, wildfire-prepared community practices, and examples from Alabama, Louisiana, and Florida showing that mitigation can produce quick returns and insurance discounts. He also suggested catastrophe savings accounts, flexible coverage options, and a whole-of-government approach that includes the insurance department, building-code agencies, first responders, FEMA, NFIP, and NOAA. In questions, a legislator asked about the prognosis if carriers continue exiting markets and if nothing is done to address affordability and accessibility. Snyder said he could not predict market exits but stressed that regulators should monitor the market closely, use available data, and focus on loss prevention and mitigation. He said insurers want to do business in Kentucky and that the long-term solution is coordinated action among public and private stakeholders to reduce risk and keep coverage available.