Transcript Highlights:

• </c> and a sustainable place to call home. and a sustainable place to call home.
• buyers whose parents have never owned a home or lost their home due to foreclosure.
• buyers whose parents have never owned a home or lost their home due to foreclosure.
• buyers whose parents have never owned a home or lost their home due to foreclosure.
• </c> as we know, there's no place like home. as we know, there's no place like home.

Transcript Highlights:

• This bill provides the predictability and also allows individual home buyers who are home builders who
• home ownership to a low-income family at least six months sooner.
• I also understand with the density bonus law that these homes, these lower-income homes, are not eligible
• We're not, this is not our model to try to acquire homes.
• You know, the individuals who may be purchasing these homes.

Committee: House Housing and Community Development

Transcript Highlights:

• The sober home owner...
• into this group home?
• into this group home?
• DMH protected the group home and the reputation of the group home.
• homes.

Committee: Joint Joint Committee on Mental Health, Substance Use and Recovery

Summary: The committee held a public hearing on a broad set of mental health, substance use, recovery, and patients’ rights bills. Early testimony focused on H. 2227, which would replace stigmatizing substance use terminology in the General Laws, and H. 3950, which would support parents in recovery involved with DCF by requiring more individualized recovery plans, clearer benchmarks for parenting time, access to recovery coaches or counselors, family counseling after sustained recovery, and staff training on addiction and lived experience. Speakers described the bills as ways to reduce stigma, increase accountability, and improve reunification outcomes for families. A major portion of the hearing centered on S. 1386, which would transfer Bridgewater State Hospital from the Department of Correction to the Department of Mental Health. Advocates, family members, and disability groups testified that Bridgewater functions like a prison rather than a hospital, with excessive restraint, seclusion, involuntary medication, poor conditions, and racial disparities, and argued DMH should oversee a treatment setting. One DMH occupational therapist and MNA member opposed the transfer, saying the real issue is mixing forensic and continuing-care patients and that DMH should instead create designated forensic units under bills H. 228/S. 1408. Committee members asked about Bridgewater’s population, the history of DOC control, capacity, staffing, and how a transfer might be implemented. The committee also heard testimony on modernizing the six fundamental rights for psychiatric inpatients, including expanding communication options, clarifying visitation and advocacy definitions, and improving access to gender-appropriate and culturally relevant items. Another bill, H. 2216, would require stronger oversight before antipsychotic medication is prescribed in nursing homes, prompted by concerns about inappropriate use. Finally, testimony supported H. 2240 and H. 2239 on sober homes, with supporters saying discharge and relocation policies are needed when a resident returns to active use or becomes unsafe, while preserving the recovery environment and resident rights. No votes or formal actions were taken during the hearing.

Transcript Highlights:

• This includes everything: apartments, condos, town homes, single-family homes.
• Home ownership in a safe, durable home was a goal then.
• homes with starter homes modest homes with functional<00:07:06.199><c> space</c><00:07:06.639><c> on
• </c> home ownership in a safe durable home home ownership in a safe durable home was<00:07:54.639><c>
• So this is the home median home price in the last quarter of last year.

Committee: Senate Housing and Homelessness Prevention

Transcript Highlights:

• Should a home buyer choose the color of their home, or should the government?
• Because those homes, I'm guessing, the home that you lived in probably can't be built today.
• I call tiny homes from last year, where we're going to put 24 homes on an acre?
• The average home buyer now...
• That's their home.

Summary: The committee first considered the reappointment of Troy L. Campbell to the Arizona State Liquor Board. Campbell described his nearly 10 years of service, his role as chair since 2019, and his focus on fairness, public safety, and applying the law consistently. He answered questions about the board’s workload and authority, noting it hears roughly 40 to 50 cases a year and does not issue fines. With no public testimony, the committee voted 6-0 to recommend his confirmation to the full Senate. The committee then heard several liquor and consumer-related bills. SB 1478, an annual liquor-policy cleanup bill, made technical changes to liquor statutes, including conforming the definition of cider to federal tax law and clarifying other terminology. The bill drew support from industry stakeholders and neutral testimony from the Department of Liquor Licenses and Control; the committee adopted a clarifying amendment and recommended the bill do pass as amended. SB 1108 would require Swedish rounding of cash transactions when pennies are unavailable, with signage and enforcement provisions; an amendment removed an individual-item exemption and clarified tax calculations, and the bill passed as amended with support from business groups. SB 1205 would regulate private-property vehicle booting by setting signage, notice, fee, and recordkeeping requirements and making violations a misdemeanor; members raised concerns about appeals and signage on non-parking property, but the committee adopted a technical amendment and recommended the bill do pass as amended. The committee also took up SB 1241, which would allow private permitting providers to conduct plan reviews and inspections for single-trade residential projects without municipal or county approval. Supporters argued it would reduce delays and costs for homeowners and help cities focus on higher-priority work, while cities and counties opposed the bill on public-safety and local-control grounds, warning about private incentives and inspection quality. After adopting an amendment granting immunity to municipalities that rely on private providers, the committee recommended the bill do pass as amended by a 5-2 vote, with some members explaining their votes and asking for further stakeholder work. Finally, the committee heard SB 1366, which creates a Public Property Towing and Impound Practices Study Committee to review towing fees, standards, insurance, background checks, and related DPS policies, and to report recommendations by the end of 2026. Supporters said the study would help address inconsistent standards and consumer concerns before permanent changes are made. Some members objected that the study committee did not include minority-party appointments, but the sponsor said that could be addressed later. The committee adopted a strike-everything amendment and recommended the bill do pass as amended. The committee then began SB 1431, a housing-design bill limiting municipal design standards and restrictions on certain shared features, but the transcript cuts off during extended debate and no final action on that bill is shown.

Transcript Highlights:

• Our goal is to have people elevated in homes, especially manufactured homes, as soon as July of 2025.
• , a double-wide, triple-wide type home.
• If you have a manufactured home and you want to put more tie-downs on it to keep a manufactured home
• We can provide transportation to get them back to their home doctors, their home schools, things of that
• This is in Miami, a concrete block home, 3-2. And every home is built to local building codes.

Committee: Senate Community Affairs

Summary: The Committee on Community Affairs met with a quorum present and heard two hurricane-recovery presentations focused on Florida’s response and long-term recovery efforts. Kevin Guthrie, Executive Director of the Florida Division of Emergency Management, reviewed response and recovery operations for Hurricanes Debby, Helene, and Milton, including meals, water, sheltering, search and rescue deployments, power restoration, debris removal, flood-control efforts, and generator distribution. He also described ongoing public assistance and mitigation funding, the state’s FROC system for standardizing and speeding reimbursement documentation, and the Elevate Florida residential mitigation program, which will use about $400 million to elevate or reconstruct eligible flood-insurance properties and may expand to county-run programs. Senators asked about manufactured homes, school shelter hardening, mobile home tie-downs, reimbursement for USAR teams, debris hauling, regional sheltering, and FEMA review delays; Guthrie said the state is trying to move recovery faster and more proactively, while acknowledging some limits and federal bottlenecks. The committee then heard from Justin Domer, Deputy Secretary of Community Development at Florida Commerce, on HUD Community Development Block Grant Disaster Recovery programs. He explained that Commerce administers long-term recovery funds through its Office of Long-Term Resiliency for housing, infrastructure, and economic development, with funds used as a last resort after FEMA and insurance. Domer outlined the process for the most recent $925 million allocation covering multiple disasters, including Idalia, Debby, Helene, Milton, Broward flooding, and North Florida tornadoes, and said the state currently manages about $3.4 billion in DR funds, rising to over $4 billion with the new allocation. He highlighted completed and ongoing housing programs for Hurricane Irma, Michael, and Ian, plus workforce recovery programs and subrecipient infrastructure grants. Senators asked about Broward and Fort Lauderdale funding, homeowner turnaround times, and mobile home eligibility; Domer said Broward and Fort Lauderdale will have separate HUD-directed programs, and the committee adjourned after the presentations and questions.

Transcript Highlights:

• </c><00:11:29.680><c> out</c><00:11:29.839><c> of</c> home home ownership is slipping out of home home
• </c> community based first generation home community based first generation home buyer<00:14:25.600><
• </c> community-based first generation home community-based first generation home buyers<00:18:40.799>
• </c> assistance program for first-time home assistance program for first-time home buyers.<00:18:53.840
• These resources are critical to providing housing stability, creating new homes, and preserving the homes

Committee: Senate Housing and Homelessness Prevention

Transcript Highlights:

• Like I said, you can get the houses, mobile homes, manufactured houses, mobile homes, manufactured homes
• </c> houses, mobile homes, manufactured houses, mobile homes, manufactured homes,<00:29:42.799><c> tiny
• So, the first home is an $80,000 home off the lot.
• Um home manu um creator Clayton Homes.
• homes where stickuilt homes manufactured homes where stickuilt homes are<00:55:44.880><c> meant</c><

Committee: Senate Commerce

Transcript Highlights:

• Our outreach included issuing a provider alert to all home health agencies to make sure the home health
• So then what the home health agency pays... ...to the home health agency.
• fragile child to live in my home, who eventually did expire after living six months at home.
• My first experience into home care was taking home a ventilator child.
• As home care agents, I...

Summary: The subcommittee held its first meeting of the 2025-2026 term, took attendance, confirmed a quorum, and heard introductory remarks from members and staff. Chair Anderson outlined the subcommittee’s jurisdiction over access and affordability issues, including health facility regulation, insurance, Medicaid, CHIP, and state employee health coverage. The main agenda item was an update on implementation of HB 391, which created a family home health aide program for medically fragile children. Representative Tramont, the bill sponsor, explained that the law was intended to let trained family caregivers be paid through Medicaid to care for their children, reduce reliance on private duty nursing, and relieve families. He and several members expressed frustration that implementation had taken nearly two years and that families still faced barriers. Deputy Secretary Brian Meyer of AHCA and Bridget Royce of DCF said the program was implemented October 1, 2024, with billing available, but no home health agencies had yet launched the required 80-hour training program and no claims had been paid. They described the program’s requirements, including agency employment, background screening, training, a $25-per-hour Medicaid rate paid to the agency, and an annual assessment report. A major issue discussed was that income earned by family caregivers counts toward Medicaid eligibility and could cause families to lose coverage. AHCA and DCF outlined two possible fixes that would require CMS approval: disregarding the income for eligibility purposes or treating the child as a family of one. Members and public witnesses strongly urged changes to avoid forcing families to choose between income and coverage. Several providers said they had begun preparing training programs, but asked for clearer approval processes and more patient-specific training requirements. The committee then heard extensive public testimony from parents and caregivers of medically fragile children, who described the financial, emotional, and logistical strain of caring for children with severe disabilities and argued that the bill should be expanded to include Florida KidCare families and others in the coverage gap. They also raised concerns about the eight-hour-per-day limit, low pay, and the need for simpler rules and direct support. Home health providers and associations supported the concept but asked for modifications, including more targeted training and clearer implementation guidance. The meeting then shifted to a second agenda item on the Andrew John Anderson Rapid Whole Genome Sequencing Program, which was funded in the 2023 budget. Deputy Secretary Meyer said the program has been implemented since January 1, 2024, but utilization has been lower than expected, with only about 60 claims paid and many denials occurring through managed care. Public testimony from a lab, a hospital, and a pediatric rare disease expert said the program is clinically valuable and cost-saving, but managed care billing barriers, prior authorization issues, and DRG-related denials are limiting access; they urged direct billing to Medicaid and possible expansion to all newborns.

Transcript Highlights:

• The A6 is language to exempt group<00:01:21.080><c> homes.</c> group homes. group homes.
• </c> homes, for example. homes, for example.
• </c> homes are owned by investors. homes are owned by investors.
• </c><00:20:40.120><c> out,</c> homes who are renting those homes out, homes who are renting those homes
• </c> can purchase a home. can purchase a home.

Committee: Senate Housing and Homelessness Prevention

Transcript Highlights:

• </c> these are not a nursing home setting. these are not a nursing home setting.
• </c> homes.
• Our Kentucky personal care homes homes.
• </c> people and maintaining their homes. people and maintaining their homes.
• Uh, I think the level of care that each home can manage is home to home.

Summary: The Health and Family Services committee heard an informational presentation on Kentucky personal care homes from representatives of the Kentucky Association of Healthcare Facilities, Management Systems of Kentucky, and Elder Care Partners. Witnesses described personal care homes as a lower-cost, 24/7 residential option for adults, often with serious mental illness, who do not meet nursing home criteria but need structured supervision, medication assistance, meals, and daily support. They said the homes are regulated by the Cabinet for Health and Family Services, are not Medicaid-funded, and are supported largely through state supplementation payments and residents’ SSI income. The presenters argued that the current reimbursement rate of about $50.70 per day is no longer sufficient to cover staffing, food, insurance, utilities, maintenance, and other costs, and said the sector has shrunk significantly over time. They cited figures showing a decline from 64 to 34 homes serving the seriously mentally ill since 2002, with 30 closures over 23 years, and said the loss of beds contributes to homelessness, hospital overcrowding, and longer psychiatric stays. They also gave examples of residents who had spent many months in hospitals before being successfully placed in personal care homes, which they said can prevent more costly institutional care. Committee members asked about staffing credentials, fraud controls, referral processes, and how reimbursement works in other states. The presenters said Kentucky does not require licensed or certified staff in these facilities, though some homes use certified medication technicians or an LPN, and they described a county case-manager-based assessment process used to set individualized rates in other states such as Minnesota. Members expressed support for the work but emphasized the need for documentation of savings and budget offsets. The presenters said they are seeking an incremental reimbursement increase over two years, roughly 25% to 50% in the first year and another 50% after that, and urged the committee to support the homes to prevent further closures.

Transcript Highlights:

• And being displaced from those homes would mean being unhoused. home ownership and being displaced from
• those homes would mean being unhoused.
• I'll talk about our in-home services, where we provide home audits, energy upgrades...
• We also have offers for new and existing manufactured homes and also for new construction modular homes
• The inefficiency of our homes' infrastructure and equipment is not just a problem for individual homes

Summary: The committee met for a series of information sessions focused on housing stabilization, rental assistance, senior housing, and heat resilience. In the first panel, OHCS and NOAA described the state’s affordable housing preservation work, including the $35 million in 2025 stabilization funding used to reduce debt and keep distressed affordable rental projects operating, plus manufactured home park preservation efforts. OHCS said the portfolio remains under strain, with about a third of projects at debt coverage ratios of 1.0 or less and rising insurance and operating costs. NOAA urged faster closings on the stabilization awards, more funding in 2027, and broader rent assistance and process reforms. Committee members asked about the gap between current appropriations and need, and OHCS explained that the new Article 11-Q bond preservation program is structured differently and requires full refinancing rather than simple cash infusions. The committee then heard a detailed discussion of the state’s eviction prevention and rental assistance program, ORDAP. OHCS said the program is administered through community action agencies, prioritizes households at imminent risk of eviction, and is now funded at a much lower level than in the prior biennium, reducing expected service to about 8,200 households this biennium. The Oregon Law Center, a county community action agency, and Multifamily Northwest all agreed the program prevents homelessness and is effective, but they differed on whether assistance should be tied so closely to eviction court. Legal aid and community action witnesses said the current system is underfunded and that eviction filings are the clearest indicator of need, while Multifamily Northwest argued the process can push people into court unnecessarily and should be moved earlier when possible. Legislators raised questions about whether a pre-eviction model could be developed and about the costs of court involvement; one member shared a personal story about how rental assistance helped keep their family housed. Next, the governor’s office, OHCS, and OHA presented on the new senior housing initiative and healthy homes work. The governor’s housing director said Oregon is making progress on homelessness and housing production, with reductions in homelessness outside Multnomah County and an estimated 50,000 future units added to the pipeline through recent state actions. OHCS outlined the senior housing programs launched in May: a debt-financing program using elderly and disabled bond authority, an older adult housing development program funded through the senior property tax deferral revolving account, and a rehousing program for older adults that will use bridge funding and services to move at least 400 unsheltered older Oregonians into housing. OHA also described its Healthy Homes Grant Program, including $24.6 million already awarded, a new $5 million grant round for seniors and people with disabilities, and examples of home repairs and weatherization that help people remain safely housed. The final information session focused on home cooling and heat resilience. OHA presented data showing rising extreme heat days, more heat-related emergency visits, and likely undercounted heat deaths, especially among older adults, people with disabilities, low-income communities, and people without access to healthy homes. ODOE reviewed implementation of Senate Bill 1536, including a cooling needs study that found 58% of surveyed households in the studied housing types needed permanent cooling, with estimated statewide costs of $582 million to $1 billion. ODOE said its rental home heat pump and community heat pump programs have supported 4,638 installations so far, with a temporary reopening planned using remaining funds. The session ended with a remote presentation from a Community Action Partnership of Oregon representative, continuing the discussion of how community action agencies help deliver energy and anti-poverty services.

Transcript Highlights:

• OUR GOAL IS TO HAVE PEOPLE ELEVATED IN HOMES A SPECIALLY MANUFACTURED HOMES AS SOON A JULY OF 2025.
• A DECADE AGO YOU COULD BUY A MANUFACTURED HOME FOR 60 TO $70,000, DOUBLE WIDE, TRIPLE WIDE TOP HOME BUT
• >> THIS PARTICULAR HOME FOR MOBILE MANUFACTURED HOMES IS ONLY FOR TIEDOWN.
• HOME AND YOU WANT TO PUT MORE TIEDOWNS ON IT TO KEEP THE TRAILER A MANUFACTURED HOME ON THE GROUND THAT
• MOBILE HOMES ARE ELIGIBLE PROJECTS.

Transcript Highlights:

• It's home to about 56 families.
• Purpose to own the land under their homes.
• and return on just her home itself.
• The home across the street is going to be valued at $60,000, and the same home in a cooperatively owned
• And very quickly, just a brief definition of what a home share is: a living arrangement where home providers

Summary: The committee met for work sessions on land banking/shared homeownership and on maximizing existing housing stock. Members first heard an overview from Commerce on alternative homeownership models, including community land trusts, limited equity cooperatives, condominiums, accessory dwelling units, middle housing, church land for housing, and public land transfers. The discussion focused on how these models can help households build equity while keeping housing permanently affordable. Committee members asked about statewide counts of co-ops and land trusts, and Commerce said it does not track all of those entities directly. Pierce County staff then described the Pierce County Community Development Corporation’s rapid acquisition fund and its role in acquiring, holding, and transferring public land for affordable housing. They said the county used general fund and affordable housing sales tax dollars to buy properties, preserve a manufactured home park through resident ownership, and create a pipeline of sites for future development. Members asked about the advantages of a public development authority, funding sources, the use of surplus and underutilized public property, and how the model works with housing authorities. Spokane land bank staff followed with testimony that land banks can reduce blight, preserve affordability, and help nonprofits acquire land quickly, but that holding costs and taxes can make the work harder without state support. They also described brownfield assessments, donated properties, and work on Black homeownership and public surplus properties. The committee then heard from the Northwest Cooperative Development Center on limited equity cooperatives, especially in manufactured housing communities. The witness said Washington now has about 43 limited equity co-ops and that recent subsidy funding and legislation have accelerated resident purchases of manufactured home communities. Members asked how residents benefit from capped equity, how values are affected, and whether the model improves access to lending; the witness said the model stabilizes costs, allows modest equity gains, and that a recent law allowing manufactured homes in co-ops to be titled as real property should improve access to traditional financing. The committee also discussed House Bill 1974 from the prior session and possible updates to land banking legislation. In the second work session on maximizing existing housing stock, Commerce reviewed recent housing laws and implementation timelines, including ADUs, middle housing, condo liability reform, SEPA changes, tiny homes, and co-living. Members raised concerns about the long implementation horizon, vacancy data, corporate ownership of homes, and the need for better support for small landlords and first-time ADU owners. Sightline then testified on mobile dwelling units, arguing that RVs, tiny houses on wheels, and similar units are a low-cost, quick-to-install housing option that is often blocked by zoning; the witness said many Washington residents already live in these units, often informally. Finally, AARP discussed housing options for older adults, including ADUs, missing middle, manufactured home communities, co-living, universal design, and village-style support models, emphasizing aging in place and the need for more accessible, affordable housing choices.

Transcript Highlights:

• We own our own home.
• the past four years: mostly homes that are like $500,000 or more, larger homes, homes that even my husband
• We couldn't afford a $500,000 home, and we own a home right now.
• And then the other type of homes that are growing up—I mean, they're not really homes.
• Because I know that all of our friends and family would live in a tiny home if they could own a home.

Committee: Senate Local Government and Taxation

Transcript Highlights:

• home care.
• than single-family homes.
• </c> homes in um including our tone home homes in um including our tone home complex<00:26:40.799><c>
• </c> town home um again the type of homes town home um again the type of homes they<00:26:59.399><c>
• </c> town homes and even a single family home town homes and even a single family home development<01

Committee: House Housing Finance and Policy

Transcript Highlights:

• </c> these are not a nursing home setting. these are not a nursing home setting.
• homes, or the jail system.
• </c> care homes and a lease on the fourth. care homes and a lease on the fourth.
• </c> people and maintaining their homes. people and maintaining their homes.
• Uh, I think the level of care that each home can manage is home to home.

Summary: The Budget Review Subcommittee on Health and Family Services heard a presentation on Kentucky personal care homes from representatives of the Kentucky Association of Healthcare Facilities, Management Systems of Kentucky, and Elder Care Partners. Witnesses described personal care homes as a lower-cost, 24/7 residential option for adults with serious mental illness who do not qualify for nursing home care but need structured support, medication assistance, meals, housekeeping, transportation, and supervision. They said the homes are regulated by the Cabinet for Health and Family Services, are not Medicaid-funded, and rely on a state supplementation rate of about $50.70 per day, which they argued no longer covers operating costs because of rising food, labor, insurance, and maintenance expenses. The presenters said the sector has shrunk significantly over time, citing a drop from 64 homes in 2002 to 34 today among the homes serving this population, with 30 closures over 23 years and two more closures since August. They argued that the closures have contributed to homelessness, hospital overcrowding, and longer stays in psychiatric hospitals, and they gave examples of residents who had spent many months in hospitals before stabilizing in a personal care home. One provider also described spending more than $800,000 on capital improvements after acquiring Kentucky facilities and said reimbursement is too low to sustain safe operations. They asked for an incremental reimbursement increase over two years and said they have also proposed an assisted-living model for people with mental illness. Members asked about staffing, reimbursement, and the number of people still needing placement. The presenters said there is no requirement for licensed or certified staff in these facilities, though some homes use medication technicians and occasional LPNs. They estimated they are currently serving about 2,000 residents and said they receive roughly 30 referrals for every one person admitted, with many referrals involving people whose needs exceed the personal care home level. Senator Meredith and Representative Fleming said any funding request would need documentation of savings and corresponding budget offsets, while Representative Duval expressed support and asked about possible staffing and program improvements. The witnesses also compared Kentucky’s flat-rate reimbursement to a more individualized reimbursement model in Minnesota, saying a needs-based system would better match staffing and reduce hospitalizations.

Transcript Highlights:

• Are you selling homes?
• So when you walk into a new-home community, this is new homes only, and you walk into a new-home community
• homes.
• Home prices have gone up 45%, but the payment for your home has gone up 82%.
• Home prices have gone up 45%, but the payment for your home has gone up 82%.

Committee: Senate Community Affairs

Summary: The Committee on Community Affairs met with a quorum present and first took up SB 122, which would repeal Chapter 205 governing local business taxes while allowing municipalities that already levy a gross-receipts-based business tax to continue doing so, with limits on changing the tax rate. The sponsor’s proxy and committee members discussed whether local business taxes fund identifiable services, with supporters saying the bill would reduce burdens on businesses and opponents arguing it would remove a capped home-rule revenue source used for general services, economic development, inspections, fire and police support, and business regulation. The Florida Association of Counties and the Florida League of Cities opposed the bill, citing a statewide revenue loss and concern that costs would shift to residential taxpayers, while one member noted the bill should be considered in the context of broader property tax changes. SB 122 was reported favorably by a roll call vote, with Senators Leek, Passidomo, Pizzo, Trumbull, and Chair McClain voting yes and Senator Sharief voting no. The committee then held an extended informational panel on Florida’s housing shortage and affordability challenges. Dr. Samuel Staley said Florida is in a housing crisis driven primarily by insufficient supply, arguing that the state needs far more units each year, that local comprehensive plans and zoning often fail to prioritize housing, and that the state should focus more on measurable impacts, density, accessory dwelling units, smaller lot sizes, and other ways to let the market respond. Ann Ray of the Shimberg Center presented data showing increased single-family and multifamily construction but limited condo growth, highly concentrated new development in a handful of counties, and continued high cost burdens for renters, especially lower-income and older households. Leslie Deutsch of John Burns Research and Consulting said the national housing market is slow, Florida prices are easing but remain well above pre-pandemic levels, and affordability problems are being driven by land, construction, financing, and insurance costs; she urged more product diversity, including build-to-rent, townhomes, manufactured housing, and higher-density redevelopment tailored to local demographics. Members questioned the panel about density, vertical development, impact fees, construction costs, and incentives for local governments. Several senators said local governments need clearer direction or incentives to approve more housing, while others emphasized preserving local character and avoiding overdevelopment. The panel generally agreed that no single policy will solve the problem, but that Florida needs more housing types, more density in appropriate places, updated zoning and building codes, and a more market-responsive regulatory framework. After the presentations and discussion, the committee adjourned with no further business.

Transcript Highlights:

• It's home to about 56 families.
• And the reason I ask this is because I think of a mobile home park, you know, I know the homes aren't
• And the reason I ask this is because I think of a mobile home park, you know, I know the homes aren't
• The home across the street is going to be valued at $60,000, and the same home in a cooperatively owned
• I'm curious about whether you have data on vacant homes, so we do hear about homes that are not in use

Committee: House Housing

Summary: The committee held a work session on land banking and shared homeownership models, with members and staff discussing ways to use public land and nonprofit partnerships to expand permanently affordable housing. Commerce’s Dave Anderson outlined recent policy changes that may support these models, including ADUs, middle housing, lot splitting, condominium reforms, church land housing, and public land transfer policies. He described community land trusts and limited equity housing cooperatives as ways for households to build some equity without owning land outright. Representatives asked about statewide numbers and implementation, and Commerce said it is preparing a guidebook for local planners. Pierce County staff described the Pierce County Community Development Corporation’s rapid acquisition fund, public-to-public land transfers, and land banking loans. They said the county used general fund and 1406 sales tax dollars to acquire properties, preserve a manufactured home park through resident ownership, and assemble public surplus and underutilized sites for future affordable housing. Committee members asked about the entity’s advantages over private developers, funding sources, coordination with housing authorities, and whether similar models exist elsewhere. The presenter said the main advantage is the ability to receive public property transfers at no cost and hold land while development plans are assembled. Amy Manning of the Spokane Regional Land Bank said land banks help move vacant, blighted, or underutilized properties into affordable housing and community use, but holding costs and taxes can make projects harder to finance. She described EPA brownfield assessments, Commerce planning grants, donated properties, and work with the City of Spokane on surplus and underutilized land. Victoria O’Beynion of the Northwest Cooperative Development Center then testified on limited equity cooperatives, especially in manufactured housing communities, saying they preserve affordability, support resident governance, and can build modest equity over time. She cited growth in cooperative acquisitions since 2020 and said recent legislation allowing manufactured homes in cooperatives to be titled as real property has improved access to traditional financing. The committee then shifted to maximizing existing housing stock. Dave Anderson reviewed the state’s recent housing laws and said implementation is still unfolding, with local code updates and planning cycles taking years. He noted growth in ADUs, room rentals, and multifamily production, but also concerns about short-term rentals and corporate ownership of single-family homes. Members asked for follow-up data on implementation timelines, vacancy, corporate ownership, and eviction patterns. Sightline’s Katie Gould presented on mobile dwelling units, arguing that RVs and tiny houses on wheels are a low-cost, fast-to-install housing option that is often blocked by zoning, and described cases where people were forced into precarious or illegal arrangements. AARP’s Kathy McCall closed by emphasizing aging in place, housing cost burdens on older adults, and the need for more accessible, lower-cost options such as ADUs, missing middle housing, and manufactured home community preservation.

Transcript Highlights:

• mid-sized home by $10,900.
• Each of the 64 homes in this neighborhood will be built to our Wildfire Prepared Home Plus standard,
• For KB Homes, the homes are easier to insure and therefore easier to sell.
• homes.
• I lost my home and most of my community that day.

Committee: Senate Banking, Housing, and Urban Affairs Committee

Keywords: homeowners insurance, natural disasters, insurance costs, climate change, disaster preparedness, federal policies, bipartisan solutions

Summary: The meeting reviewed critical issues surrounding the rising costs and accessibility of homeowners insurance across the United States, particularly in light of increasing natural disasters linked to climate change. Members engaged in extensive discussions regarding the implications for families and the economy, citing significant increases in premiums and decreasing availability of policies in high-risk areas. Supervisor Peysko highlighted the direct impact of federal policies on local communities, emphasizing the growing burden on homeowners as they face skyrocketing insurance costs amidst a backdrop of environmental challenges and regulatory constraints. The committee expressed a unified call to action for bipartisan solutions, focusing on improving building codes and enhancing disaster preparedness measures.