Transcript Highlights:

• </c> between fixing roads or building flood between fixing roads or building flood defenses. defenses
• It's about protecting our fairness.
• </c> cold, and flooding. cold, and flooding.
• ><c> bridges</c> That might include protecting bridges That might include protecting bridges and<00:08
• </c><00:09:22.920><c> will</c> We know that every year flooding will We know that every year flooding

Summary: Rep. Athena Hollins and Sen. Ann Johnson Stewart introduced Minnesota’s proposed climate superfund bill, describing it as a way to make major historical greenhouse gas polluters help pay for climate adaptation and infrastructure repair. They said the bill would target large fossil fuel corporations with significant emissions and use the revenue for projects such as stormwater upgrades, bridge and roof protection, erosion control, drinking water protection, cooling cities, and other resilience work. Both lawmakers framed the proposal as a matter of accountability and fairness, arguing that Minnesotans should not keep paying for damage caused by companies that profited from fossil fuel pollution. Several supporters testified in favor of the bill, including St. Paul City Council Vice President Nyang Kheimey, former legislator and medical student Hunter Cantrell, Unidos Minnesota volunteer Bonnie Becol, and 100% Minnesota’s Aurora Vautrin. They emphasized local climate impacts such as flooding, wildfire smoke, extreme heat, emerald ash borer damage, asthma, and infrastructure failures, and said the costs are increasingly falling on taxpayers, local governments, and vulnerable communities. Kheimey highlighted municipal needs and St. Paul’s own climate investments, while Cantrell focused on environmental racism and health harms, and Becol and Vautrin stressed species loss, community recovery costs, and the burden on residents. In the question-and-answer portion, Hollins and Johnson Stewart explained that the bill would apply to fossil fuel corporations with at least 1 billion metric tons of carbon emissions and a nexus to Minnesota, not local utilities. They said the State Auditor’s office would determine the assessments owed by companies, while the Minnesota Pollution Control Agency would hold the fund and administer grants. They also said they were looking to models in Vermont and New York and hoped the proposal could attract bipartisan support because it is tied to affordability and shifting costs away from taxpayers and onto polluters. No vote or formal committee action was taken in the transcript, and the event ended with the sponsors opening the bill to questions.

Transcript Highlights:

• I would not be fully discussing this if I didn't also talk about flood protection, something that we
• There's funding in here for flood protection, something that we very much care about and need to look
• So for example, every five years the Central Valley Flood Protection Plan is updated, and that sort of
• The Coastal and Combined Flood Management Program has a stated purpose of coastal and combined flood
• The Coastal and Combined Flood Management Program has a stated purpose of coastal and combined flood

Summary: The Assembly Budget Subcommittee on water and coastal resilience heard an overview of the governor’s Proposition 4 spending plan, with presentations from the Department of Finance, the State Water Resources Control Board, the Department of Water Resources, the Legislative Analyst’s Office, and later coastal agencies. Members discussed the water chapter’s major allocations for drinking water and wastewater, recycled water, tribal water infrastructure, groundwater recharge and SGMA implementation, dam safety, flood protection, integrated regional water management, Salton Sea projects, and water data/stream gauges. The LAO noted that many programs are established and have clear funding processes, but some newer or less-defined programs may warrant more detailed future budget requests and reporting. No votes were taken on the agenda items. Members raised concerns about groundwater subsidence, water deliveries from the Delta, the pace of water storage investments, instream flows, and whether bond dollars were being used to backfill General Fund reductions. Administration witnesses said groundwater recharge spending is being paced because prior years already funded substantial SGMA work, that Delta operations are governed by water quality, salinity, and species requirements, and that Proposition 1 storage projects have moved slowly because they are locally led and require permitting and financing. The Water Board and DWR said they use public needs assessments, annual plans, and existing grant processes to prioritize projects, and Finance said some General Fund programs were shifted to Proposition 4 to help balance the budget. Members also asked for clearer public tracking of bond spending and more concise future reporting. In the coastal resilience portion, the Ocean Protection Council and Coastal Conservancy described Proposition 4 funding for sea level rise adaptation, coastal flood management, habitat restoration, public access, and San Francisco Bay projects, with a multi-year rollout based on project readiness and recent large state investments. The Conservancy said it would use its existing rolling grant process, while OPC said its sea level rise grants would build on existing programs and new technical assistance. The Department of Fish and Wildlife explained its proposed use of bond funds for climate-ready fisheries, hatchery modernization, salmon monitoring, whale- and turtle-safe fishing gear, and a specific hatchery operations request tied to the Friant settlement. The LAO said the coastal chapter’s proposed first-year spending is relatively modest but generally reasonable given staffing and project readiness, while members emphasized oversight, transparency, and coordination across agencies and jurisdictions.

Transcript Highlights:

• They are protecting homes now, businesses.
• dry and they protect homes.
• The State Forestry Division has watershed protection.
• Environmental Protection Agency and local partners.
• Don't wait for a fire or flood.

Committee: House Water & Natural Resources Committee

Transcript Highlights:

• The operation and maintenance of the flood protection system that we do include 16 large pump stations
• The activation of the flood protection system is a very vital asset and a very vital utility for the
• </c> water meter and then the flood water meter and then the flood protection<00:16:02.880><c> system
• We have 16 major flood pump stations on our flood protection system.
• There, we have 16 major flood pump stations on our flood protection system.

Summary: The committee first took up House Bill 387, which would amend MSD governance and spending rules in Louisville. The sponsor said the bill was intended to add oversight and accountability in response to large MSD rate increases, though the original rate-approval provision had been removed because of concerns about contracts and bond ratings in Oldham and Bullitt counties. MSD Executive Director Tony Parrott testified that MSD is a public utility serving more than 800,000 people through wastewater, stormwater, and flood protection services, and argued that most rate pressure comes from federal and state mandates tied to a consent decree and other orders. He said MSD already provides annual notice and bond approvals through Metro Council, offers customer assistance programs, and needs flexibility for advertising, public notices, recruitment, and compliance. Members discussed stormwater funding, aging infrastructure, flood control, and the bill’s limits on advertising and other expenditures. The committee substitute was adopted and the bill passed on a roll call vote. The committee then considered House Concurrent Resolution 22, as substituted, which expressed support for exploring nuclear energy and included language noting Kentucky’s ability to use nuclear waste, uranium tailings, and spent fuel in ways described by the sponsor as cleaner. Supporters said Kentucky faces an energy shortage and that nuclear, including small modular reactors, should be part of the state’s future energy mix. Some members said they would support the resolution but wanted a feasibility study or noted that it does not carry the force of law. The resolution passed. Finally, the committee began House Bill 519, sponsored by Representative Fugate, which would prevent utility companies from passing demolition costs for retired coal-fired or fossil-fuel plants on to ratepayers. The sponsor cited sharply rising electricity bills in eastern Kentucky, the decline in coal employment, and the burden of demolition costs from the Big Sandy plant being placed on customers. He argued that utilities should absorb those costs rather than shifting them to ratepayers. The bill was introduced with a motion and second, and the committee was preparing to hear further questions and testimony when the transcript ended.

Transcript Highlights:

• Natural areas provide ecosystem services such as flood storage, protecting drinking water, moderating
• </c><00:08:22.639><c> storage,</c><00:08:23.599><c> protecting</c> such as flood storage, protecting
• such as flood storage, protecting drinking<00:08:24.479><c> water,</c><00:08:24.960><c> moderating</c
• Wetlands are critical for flood control Wetlands are critical for flood control and<00:08:54.240><c>
• </c> groundwater recharge and flood storage. groundwater recharge and flood storage.

Committee: Senate Energy and Natural Resources

Transcript Highlights:

• The intent of the rule is to protect public health, safety, and welfare by protecting stream channels
• So we're talking about an elevation of service water from what flood? From what flood is a flood?
• It's a 100-year flood—the 1% chance of it occurring in a year is a 100-year flood.
• That was often confused in that we don't regulate to flood flows.
• How do you protect those items?

Committee: House Resources and Conservation

Transcript Highlights:

• The flood flows provisions, again, under emergency flood conditions, are important.
• Because of the flood control projects, there's a lot of times when the dams are making flood control
• We flood vines. We flood those areas, about 1,000 acres of vines, for our project.
• So there were a lot of flooding issues, houses that were already flooded.
• And we'll be able to flood all clear. and do this.

Committees: House Water, Parks and Wildlife , House Water, Parks, and Wildlife

Transcript Highlights:

• During this time of the year, we have our flooding season, and so in the past, we've seen a lot of flooding
• That happened with Dixon flooding. And the Black Fire flooding.
• To protect people from the post-fire flooding impacts, we still have a long way to go.
• We cannot prevent flooding.
• Oh, I know you put them in there as flood prevention for protection.

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

Transcript Highlights:

• Senate Bill 6237 is an act relating to rental property disclosures of flooding history and flood risk
• Senate Bill 6237 is an act relating to rental property disclosures of flooding history and flood risk
• insurance to ensure protection of his or her possessions from loss due to fire, flood, or other risk
• We recently had some pretty historic flooding in Washington.
• , but maybe the land has had flooding on it.

Summary: The Senate Housing Committee held public hearings on three bills. SB 6237 would require landlords to disclose flooding history and flood risk to new tenants, along with notices that renters’ insurance and flood insurance may be needed and that county or local government sources have hazard information. The sponsor said the bill was a simple disclosure modeled on other states’ laws after recent flooding in Washington. Testimony was generally supportive, with an environmental nonprofit urging a broader jurisdiction-based disclosure instead of only county government, and housing industry groups saying they were neutral or concerned about added lease disclosures and asking for clearer language about what flooding information must be disclosed. No vote was taken on the bill. The committee then heard SB 6214, which would authorize public corporations, housing authorities, and certain nonprofits to operate as land bank authorities for affordable housing, with requirements for affordability covenants, annual reports, priority access to tax-foreclosed properties, and tax exemptions for qualifying land bank property and transfers. Supporters from Spokane, counties, housing authorities, affordable housing groups, and developers said land banking would help lower land costs, speed development, and expand affordable housing production. One member of the public opposed the bill, arguing it could remove land from the market and affect rural land supply. Department of Revenue staff flagged a technical issue, saying the bill needs a clearer definition of a qualifying land bank authority so the exemption can be administered, and confirmed the proposal would shift property off the tax rolls. The committee also asked whether the bill would allow non-housing uses such as parks or green space; staff said the bill requires affordable housing use, though the other half of land bank activity is not specified. The committee also heard SB 6139, which would require landlords to keep accepting previously used payment methods and continue to accept partial rent payments during an unlawful detainer process, while making clear that partial payments do not reinstate a lease or stop an eviction unless the parties agree in writing. The sponsor said the bill was intended to address cases where tenants can make partial payments but landlords shut off payment portals and refuse them, forcing judges to issue case-by-case standstill orders. Tenant advocates opposed the bill, arguing it would encourage evictions, remove judicial discretion, and could trap tenants by inviting partial payments that do not protect their housing. Landlord and property management groups were concerned about requiring continued access to payment portals and about ambiguity over whether accepting partial payments would waive eviction rights, though they said the bill was a good starting point and suggested clearer receipts and statutory protections. The public hearing was closed without action on SB 6139. In executive session, the committee adopted a proposed substitute for SB 6091, which limits broker marketing restrictions without requiring open access to homes and removes a Washington Law Against Discrimination provision, then voted the bill do pass to Rules. The committee also voted to recommend confirmation of gubernatorial appointments 9278, Pedro Espinoza, and 9279, Diana H. Perez, to the Housing Finance Commission.

Transcript Highlights:

• During floods, we need the ability to divert water to recharge and protect our communities from extreme
• flooding.
• to divert water when the river is operating for flood control, while also ensuring the protection of
• Both approaches to capturing flood flows and permitted recharge in AB 2026 will protect existing water
• This bill has no protections for those flows.

Committee: Senate Natural Resources and Water

Transcript Highlights:

• us here. that are protecting us here.
• The February flooding, the Valentine's Day flood, if you will, for 4860.
• May 16th is how long it took for the last flood buoy on the Ohio River to fall below flood stage.
• </c> 4864 disaster, the April 2nd flooding. 4864 disaster, the April 2nd flooding.
• and some pumps and things to protect the city of Frankfort from flooding.

Summary: The committee met with a quorum, approved the prior meeting minutes, and then spent much of the meeting recognizing members of the Falmouth Police Department and related support personnel. Representatives and senators described the department’s response to a May 17, 2025 shooting between two vehicles, saying officers secured the area, apprehended suspects, and prevented further harm within about 30 minutes. They also recognized Officer Jonathan Bis for helping rescue a person from a burning storage facility on May 3, and honored Chaplain Abram Croer and police administrator Marilyn Belure for their support roles. Members praised the officers’ service and presented citations; one member also noted the recent flooding in Falmouth and the strain on local responders. The committee also observed a moment of silence for a firefighter who died after a vehicle crash while responding to a call. The committee then recognized Sergeant Major Jimmy Thorne, USMC (Ret.), with a lengthy citation for his military service and community involvement. The citation highlighted more than three decades of service, including Vietnam, Lebanon, Somalia, multiple injuries, exposure to Agent Orange, and numerous decorations such as the Purple Heart and Meritorious Service Medal. Speakers also noted his continued civic work in Williamstown and Grant County. Thorne thanked the committee, said enlisting in the Marine Corps and moving to Kentucky were two of his proudest decisions, and received a committee coin. Members and guests offered additional remarks about his character and service. Finally, Brigadier General Charles Jones and Kentucky Emergency Management Director Eric Gibson gave an update on spring storm response and recovery. They said Kentucky has had three declared disasters and one undeclared event this year, with 113 of 120 counties affected in the last 12 months, including February flooding, April flooding, and May tornadoes; a January ice storm appeal was denied. Gibson emphasized the rising frequency and cost of disasters, citing about $350 million in public assistance over the first 10 years of the period reviewed versus about $2 billion in the last five years. He reported on sheltering, disaster recovery centers, FEMA and SBA assistance, and said about $57 million in individual assistance had been paid and nearly $69 million obligated, while public assistance projects were still moving through review and payment.

Transcript Highlights:

• It says it provides protections for exceptional value wetlands.
• But they have... [00:35:00.000] But they have flooding occasionally.
• But occasionally, it does flood depending on how much rain we get.
• By protecting the health of our wetlands, we protect the health of our most vulnerable communities.
• By protecting the health of our wetlands, we protect the health of our most vulnerable communities.

Bills: SB9

Committee: House Natural Resources & Energy

Summary: The House Natural Resources and Energy Committee met and first considered SB 321 with Senate Amendment 1, the community solar utility billing bill. The sponsor explained that it would consolidate the two-bill system for community solar subscribers into one utility bill, with the utility forwarding the subscriber fee to the solar facility through an escrow mechanism so costs are not shifted to other ratepayers. Testimony from the solar industry, the Public Advocate, and environmental advocates supported the measure, emphasizing easier enrollment, fewer barriers for low-income customers, and guaranteed savings. The committee initially lacked enough members present to release the bill, but after a roll call vote it was released from committee. The committee then heard SB 9 with Senate Amendment 1, a wetlands protection bill creating a state non-tidal freshwater wetlands permitting program. The sponsor and DNREC described a framework of exemptions, general permits, and individual permits based on wetland type and value, with an advisory committee to develop regulations. Witnesses explained that “exceptional value” wetlands would include unique wetland communities and high-functioning wetlands, and that the bill was intended to preserve important habitat while allowing farming, drainage, and other exempt activities to continue. Some members raised concerns about flooding, land classification, and the balance of the advisory committee, while supporters said the bill was the product of broad stakeholder consensus and would protect wetlands without unduly harming agriculture or development. Public comment on SB 9 was strongly supportive from environmental groups, the Delaware Native Species Commission, the Home Builders Association, the Farm Bureau, The Nature Conservancy, and affordable housing advocates, who said the bill balanced conservation with practical land use concerns. After remote testimony, the committee took a roll call vote and SB 9 was released from committee. The meeting concluded with remarks thanking the chair for her service and instructions for members to sign the backers before adjournment.

Transcript Highlights:

• Why are we protecting our student athletes?
• And we support proactive flood mitigation and cities are doing it now.
• I agree we need to address flooding may be in a better way.
• Stan flood zones with 100 years in greater.
• Only those places that upon failure result in property damage, land, floods, land floods.

Transcript Highlights:

• During floods, we need the ability to divert water to recharge and protect our communities from extreme
• flooding.
• This bill makes it easier to capture flood flows safely.
• to divert water when the river is operating for flood control, while also ensuring the protection of
• Both approaches to capturing flood flows and permitted recharge in AB 2026 will protect existing water

Summary: The committee heard a long agenda of natural resources and water bills, beginning without a quorum and then proceeding after quorum was established. AB 706, by Assembly Member Aguiar-Curry, would create a fund to support projects that use forest biomass from wildfire mitigation in environmentally beneficial ways. Supporters said it would help reduce wildfire risk, avoid open burning, improve air quality, and support energy reliability; opponents from environmental groups raised concerns about biomass impacts and sustainability. The bill passed the committee 5-0 and was sent to Energy, Utilities and Communications. The committee then took up AB 2026, also by Aguiar-Curry, which would streamline permitting for groundwater recharge and allow more flexible diversion permits during wet periods. Support came from local water agencies, counties, and water associations, which argued the bill would help capture flood flows, reduce costs, and improve groundwater sustainability. Opponents, including Defenders of Wildlife, salmon and environmental groups, and several irrigation districts, argued the bill could harm fish, public trust resources, and downstream users by allowing diversions based on broad wet-year criteria. Members discussed the bill at length, with some supportive of the recharge goals but urging more safeguards; it passed 4-0 and was sent to Environmental Quality. Other measures included AB 2216 to expand the Delta Conservancy’s service area to additional portions of several counties and add Lake County, which supporters said would improve habitat, climate resilience, and watershed-scale conservation; it passed 4-0 to Appropriations. AB 2075 would clarify fire-safety equipment requirements for land-clearing operations and make employers responsible for compliance; farm and cattle groups sought more flexibility for rangeland, and the bill passed 3-0 to Appropriations. AB 1960 would allow Cal Fire wildfire prevention grants to fund community-level home-hardening projects and was sent to Emergency Management. AB 1808, dealing with Western Joshua tree conservation and local permitting/fee issues, drew support after opposition groups withdrew concerns and passed 3-0 to Environmental Quality. The committee also heard AB 550 on incidental take permits for species not yet listed, aimed at reducing delays for clean energy projects, but the transcript cuts off before final action on that bill.

Transcript Highlights:

• But we've dealt with the Dust Bowl, during the 1950s, the floodings in Oklahoma with the drought-flooding
• Where flooding was so bad for so many decades in Oklahoma.
• All I-35, I-40, and I-44 were all built with those flood controls in place, so without those flood controls
• protecting all those...
• It also helps protect our roads and our waterways.

Committee: House A&B Natural Resources Subcommittee

Summary: The meeting began with a budget presentation from the Oklahoma Department of Agriculture, Food and Forestry. Secretary Blaine Arthur and Deputy Commissioner Jan Lee described the agency’s divisions and recent efforts to improve efficiency, including expanded online licensing, electronic veterinary inspection certificates, and a new laboratory information system. They highlighted youth and workforce programs, local food initiatives for schools, market development efforts, and ongoing animal health concerns such as avian influenza, equine herpesvirus, and the threat of New World screwworm. They also discussed staffing, turnover, and uncertainty around federal cooperative agreement funding, while noting they were not requesting new or additional appropriations for the upcoming fiscal year. Members asked about meat inspection staffing, the use of one-time forestry firefighting funds, biosecurity and national security coordination, and agency staffing levels. The department said meat inspection was currently in good shape but dependent on federal funding stability, and explained that prior firefighting dollars had been used for equipment purchases. They also said they work with state and federal partners, including DHS and FBI, on threat preparedness and have reduced turnover by adjusting salaries and maintaining staffing at or below prior levels. The Oklahoma Conservation Commission then presented its budget and program overview. Staff described the agency’s long history and current work in water quality, flood control, soil health, unpaved roads, wetlands, and woody species control, especially eastern red cedar removal. They emphasized data-driven, voluntary conservation practices, citing stream cleanups, flood-control dam benefits, pond cleanouts during drought, and the Cherry-Peach watershed project as examples of programs that improve water resources and reduce wildfire risk. The agency said its workload has grown significantly and requested funding for critical dam repairs, local conservation district staffing, continued unpaved roads work, and expansion of woody species control statewide. Members asked about county matching for road and dam projects, who to contact about flooding roads, sediment removal from pond cleanouts, and the effectiveness of county training programs. Commission staff explained that county in-kind work can count as match, local conservation districts are the first point of contact, and the road training has produced measurable savings and better maintenance practices. They also clarified that “high hazard” dams are those where failure could threaten people or infrastructure downstream, not necessarily dams that are structurally failing.

Transcript Highlights:

• Everybody, in some ways, needs to have flood insurance, and we need that private flood insurance model
• , drought, and coastal and inland flooding.
• Flood Insurance Program.
• about flood insurance.
• insurance, leaving the only public flood insurance option available through the National Flood Insurance

Committee: Joint Joint Committee on Financial Services

Summary: The Joint Committee on Financial Services heard testimony on a wide range of insurance-related bills, with much of the discussion focused on affordable housing insurance, homeowners insurance practices, climate resilience, and consumer protections after property losses. Senators and representatives testified in support of a resolve to create a commission on affordable housing insurance (S. 768/H. 1279), arguing that rising premiums and deductibles are threatening the viability of affordable housing properties and new development. Supporters also backed bills to establish private flood insurance standards (S. 719), create climate-resilient home retrofit grants (S. 720), expand the MVP climate resilience program (H. 1310/S. 686), and protect urban trees and limit insurer-driven tree removals (H. 1316). Several lawmakers and advocates said these measures would help reduce risk, preserve insurability, and address the effects of increasingly severe storms and flooding. The committee also heard testimony on bills addressing insurer use of aerial imagery (H. 1242/H. 2142) and notice periods for nonrenewals or repairs (H. 4042 and related measures). Supporters said insurers should be allowed to use drones and satellite images but with stronger guardrails, including current photos, disclosure of risk factors, an appeals process, and time to cure defects. They argued that homeowners are sometimes blindsided by nonrenewals based on inaccurate aerial photos or given too little time to make repairs. Opponents from the insurance industry said aerial imagery is already regulated by the Division of Insurance, that additional statutory requirements could create confusion and litigation, and that existing notice rules already provide 45 days for nonrenewals and 60-day limits on cancellations. Industry witnesses also warned that some proposed timelines conflict with current law and could restrict useful underwriting tools. Another major topic was H. 1077, which would restrict solicitation by restoration companies and public adjusters at fire scenes. A homeowner described being approached immediately after a house fire by restoration and public-adjuster representatives and said the experience was intrusive and overwhelming; supporters said homeowners need time and space to make informed decisions after a disaster. Public adjusters and restoration contractors opposed the bill, saying they provide needed guidance, emergency mitigation, and claims assistance when homeowners are under stress, and that some existing protections already allow consumers to cancel contracts. The hearing ended after all listed witnesses testified, and the committee voted to close the hearing; no bill dispositions were taken during the session.

Transcript Highlights:

• It strengthens victim protection.
• It strengthens victim protection.
• The good news is that during the December floods, completed Flood Plains by Design projects helped.
• The good news is that during the December floods, completed Flood Plains by Design projects helped slow
• For decades, Ellensburg has been planning projects to protect our community from flooding associated

Bills: HB2295

Committee: House Capital Budget

Keywords: Washington capital budget, supplemental capital budget, capital appropriations, state building construction account, taxable building construction account, climate commitment account, natural climate solutions, housing trust fund, affordable housing, supportive housing, homelessness, manufactured home communities, mobile home parks, school construction, school modernization, school seismic safety, healthy schools, school electrification, SCAP, behavioral health facilities

Transcript Highlights:

• Flood coverage: we’ve talked a lot about flood and the impacts of flood and the reforms.
• occurring in areas where you’d never seen flooding before outside of a flood zone.
• I mean, it’s unfortunate, but we’re very, very happy that the flood provision did, was able to protect
• occurring in areas where you'd never seen flooding before outside of a flood zone.
• So, I mean, it's unfortunate, but we're very, very happy that the flood provision did, was able to protect

Summary: The Insurance and Banking Subcommittee received a lengthy presentation from Citizens Property Insurance Corporation CEO Tim Serio, with Insurance Commissioner Michael Yaworski also answering questions. Serio reviewed Citizens’ role as Florida’s insurer of last resort, its statutory funding structure, eligibility rules, depopulation program, reinsurance obligations, and the surcharge/emergency assessment mechanisms that can be used if Citizens runs a deficit. He emphasized that recent legislative reforms, combined with lower litigation and improved market conditions, have helped the private market recover and reduced Citizens’ policy count from a peak of about 1.41 million in 2023 to 936,182 at the end of 2024, with a projected drop to about 771,000 by the end of 2025. He also said the reforms reduced Citizens’ rate need and helped avoid an emergency assessment after the 2024 storms. Members asked about Citizens’ rate increases, why Citizens still seeks higher rates despite lower litigation, how the 20% eligibility threshold works, whether Citizens should be wind-only, and whether the state or federal government could help with deficits. Serio explained that Citizens is still charging below actuarially sound rates in most areas, that rate filings reflect reduced litigation and lower reinsurance exposure, and that assessments on all Florida property policyholders are the reason Citizens tries to build surplus and depopulate. He said the depopulation program is working better than in the past, with less than 2% of takeout policies returning to Citizens, and that the Office of Insurance Regulation has been vetting takeout companies more carefully. A substantial portion of the discussion focused on claims handling after Debby, Helene, and Milton, including flood-versus-wind disputes and Citizens’ use of the Division of Administrative Hearings for some claim disputes. Serio said Citizens had received 76,625 claims from the three storms and had paid nearly $823 million in indemnity and expenses as of January 7, 2025. He said many closed-without-payment claims were either below deductible, withdrawn, duplicate, or flood-only, and that Citizens had asked its internal audit function to independently review the claims data and denials. He also described Citizens’ storm outreach, catastrophe response centers, managed-repair program, and claim review process, and said the corporation remains focused on paying valid claims while minimizing the risk of assessments on the broader Florida market.

Transcript Highlights:

• It falls on us to protect Texans.
• campers during flood emergencies.
• The flood created the new river.
• However, we also encourage the committee to look beyond flood response and into flood...
• Consequences of floods.

Bills: HB2 , HB1 , HB18 , HB19 , HB20 , HB1 , HB2 , HB18 , HB19 , HB20

Committee: House Disaster Preparedness & Flooding, Select

Transcript Highlights:

• Recent July 4th floods.
• Such as loss of human life to flooding and the existence of residences or other dwellings in flood-prone
• You've got a flash flood."
• Flood-prone areas. Prevent loss of life with an outdoor warning siren system in flood-prone areas.
• And yes, we do need to make sure that that is aggressively enforced to protect our children, protect

Bills: SB2 , SB3 , SB5 , SB9 , SB10 , SB14 , SB16 , SB18 , SB34 , SB6 , SB7 , SB8 , SB11 , SB12 , SB13 , SB15 , SB 2 , SB 3 , SB 5 , SB 9 , SB 10 , SB 14 , SB 16 , SB 18 , SB 34 , SB 6 , SB 7 , SB 8 , SB 11 , SB 12 , SB 13 , SB 15 , SB 17 , SB 4 , SB1 , SB2 , SB3 , SB5 , SB9 , SB10 , SB14 , SB16 , SB18 , SB34 , SB6 , SB7 , SB8 , SB11 , SB12 , SB13 , SB15 , SB17 , SB4