Transcript Highlights:

• The Department of Highway Safety and Motor Vehicles' Executive Director, or his or her designee, shall
• Next, we'll move on to tab 9 by Senator McClain: SB 684, electronic signatures associated with total
• loss of vehicles and vessels.
• Senator McClain, SB 684, electronic signatures associated with total loss of vehicles and vessels.
• SB 684 addresses the use of electronic signatures in connection with total loss vehicles and vessels,

Bills: S0382, S0654, S0684, S0880, S1080

Keywords: traffic enforcement, speed detection systems, school safety, traffic violations, reporting requirements, local authority, electronic signatures, vehicle titles, insurance regulations, auditing, total loss vehicles, specialty license plate, specialty plates, Florida DMV, DHSMV, Miami Northwestern Alumni Association, Miami Northwestern Senior High School, alumni association, commemorative plate, license plate fees

Summary: The Transportation Committee met with a quorum and first took up SB 654 on traffic infraction enforcement, which would standardize procedures for red-light, school-zone speed, and school bus camera enforcement. The bill would allow clerks to retain 10% of penalty revenue, permit virtual hearings, require records retention, limit surveillance/data use, tighten school-zone flashing-light requirements, and add school board approval and reporting requirements for school bus camera programs. An amendment clarified reporting periods and which entity receives liability-transfer affidavits. Members raised questions about information-sharing, facial recognition, school-zone warnings, and school bus stop safety, but the committee accepted the amendment and reported the bill favorably. The committee then considered SB 1080, which was amended by a delete-all to address FDOT direct payments to first-tier subcontractors and takeover agreements involving sureties and replacement contractors. The amended bill was reported favorably. The committee also approved a slate of appointments in tabs 1 through 6 by one vote. Next, the committee heard SB 382 on electric bicycles and scooters. A strike-all amendment shifted the bill away from immediate enforcement changes and instead created an e-bike task force, required crash data collection and reporting, and retained rules requiring riders to yield to pedestrians, provide audible signals, and limit speed near pedestrians. Members discussed enforcement practicality, access concerns for riders who rely on e-bikes, and the need for public education and transparency. The amended bill was reported favorably. The committee then reported favorably SB 684, which removes certain signature requirements for electronic odometer disclosures in total-loss vehicle and vessel insurance transactions, and SB 880, which creates a new license plate for the Miami Northwestern Alumni Association. The meeting ended after all items were approved and the committee adjourned.

Transcript Highlights:

• Is it, but if it's only out of network, why would we put this provision, unless I'm totally wacky?
• If it's only out of network, why would we put this provision, unless I'm totally wacky?
• Let's take up tab for Senate Bill 684 on electronic signatures associated with total loss vehicles and
• It will allow electronic signatures to be used on total loss vehicles and vessels, require insurance
• not an insurance company, but creating vehicles by which they can compete with insurance companies,

Bills: S0158, S0314, S0618, S0684, S0838, S0990, S1000, S1082, S1452, S1494, S1500, S1568, S1706

Keywords: pet insurance, consumer protection, insurance regulation, policy disclosure, agent training, payment stablecoin, financial regulation, anti-money laundering, state oversight, digital currency, financial services, workers compensation, Florida statute, commercial insurance, insurance board, electronic signatures, vehicle titles, insurance regulations, auditing, total loss vehicles

Summary: The Banking and Insurance Committee heard and advanced a wide range of insurance, financial services, and probate bills. Early in the meeting, SB 1000 on trust fund interest for attorney trust accounts was explained as setting a floor and ceiling tied to the Wall Street Journal prime rate and was reported favorably. The committee then took up CS/SB 1082 on a statewide provider and health plan claim dispute resolution program for emergency out-of-network claims. After extensive discussion about the relationship between the state and federal No Surprises Act processes, an amendment was withdrawn due to concerns about clarity and scope, but the bill itself was supported by providers and insurers and was reported favorably. The committee also approved SB 684 on electronic signatures for total loss vehicles and vessels, CS/SB 158 on pet insurance consumer disclosures and agent education, SB 1494 expanding breast cancer screening coverage, CS/SB 314 on digital assets and stablecoin issuers, and CS/SB 1500 on uncontested probate procedures and small-estate administration. SB 618 on workers’ compensation insurance was amended to raise the consent-to-rate cap for workers’ compensation policies from 10% to 20% and then reported favorably, with supporters saying it would help keep higher-risk employers in the voluntary market. CS/SB 1568 creating a Florida Stablecoin Pilot Program was amended to remove authority for a Florida coin and limit the program to existing stablecoins, then passed. Later, the committee approved CS/SB 838 on electronic payment convenience fees for retail installment contracts, with the sponsor emphasizing that a fee-free payment option must still be offered. SB 1452, the Department of Financial Services agency bill, was amended and reported favorably; it covered My Safe Florida Home administration, insurance and licensing changes, unclaimed property updates, and other DFS-related provisions. The committee also passed SB 1706 on the My Safe Florida Condominium Pilot Program, targeting owner-occupied condominiums at or below 80% of area median income, and SB 990 on protected cell captive insurance companies, which supporters said would modernize Florida’s captive insurance laws and encourage more competition. The meeting ended with all listed bills reported favorably and the committee adjourned.

Transcript Highlights:

• It requires motor vehicle insurance policies that include first-party physical damage coverage to provide
• a clear appraisal process when the Insurer and the policyholder cannot agree on the value of the vehicle
• I totally agree with you. That's why I'm running the bill, Chairman Ste.

Bills: HB3783, HB2955, HB3802, HB4488, HB2471, HB3781, HB3127

Keywords: captive insurance, protected cell, sponsored captive, captive insurer, insurance commissioner, premium tax, dormant captive, risk retention group, pure captive, association captive, industrial insured captive, series captive, branch captive, special purpose captive, reciprocal insurer, capital and surplus, letter of credit, change in control, merger, conversion

Transcript Highlights:

• bill aims to provide a less expensive, more efficient alternative to litigation. ...the amount of loss
• the loss, not coverage questions.
• The average difference on total loss claims was $3,800.
• Total loss claims showed an average increase of $3,900.
• loss claims.

Bills: HB345, HB721, HB2580, SB815, HB3057, HB4603, HB3233, SB495, HB3863, HB3914, HB4570, HB5099, HB5173, SB458

Keywords: insurance, appraisal process, disputed losses, residential property, policyholder rights, insurer obligations, natural disasters, appraisal expenses, umpire selection, policyholder, insurer, umpire, claims management, health care, cost disclosure, benefit plan, administrators, traumatic brain injury, health benefit plans, insurance coverage

Transcript Highlights:

• providers from passing these fees to clients, forcing mental health professionals to absorb financial losses
• What this bill is going to aim to do, in totality, is remove that and pay what they're supposed to be

Bills: HB345, HB721, HB2580, SB815, HB3057, HB4603, HB3233, SB495, HB3863, HB3914, HB4570, HB5099, HB5173, SB458

Keywords: insurance, appraisal process, disputed losses, residential property, policyholder rights, insurer obligations, natural disasters, appraisal expenses, umpire selection, policyholder, insurer, umpire, claims management, health care, cost disclosure, benefit plan, administrators, traumatic brain injury, health benefit plans, insurance coverage

Transcript Highlights:

• that home insurance companies often elect to adjust rates in less regulated states to make up for losses
• I would totally agree with you on the first question that mediation would be...
• Loss expenses outside of the State of Oklahoma, which everybody has told me that we don't do.
• So no, I totally agree with you. That's something that isn't really logistically workable.
• Again, it's not my intent here to totally disrupt the industry.

Bills: HB3048, HB3259, HB3646, HB3696, HB3780, HB3781, HB3802, HB3818, HB4294, HB4488, HB2929

Keywords: insurance, nonadmitted insurers, surplus lines, insurance regulation, Oklahoma, health insurance, contracting entities, medical providers, enrollment, beneficiary rights, property and casualty, rates, filing, Insurance Commissioner, regulation, property, regulations, actuary, rate filing, independent review

Transcript Highlights:

• He's actually got some experience and sat in on this last meeting for the new motor vehicle administration
• I declare the nomination of Justin Wilson to the Oklahoma New Motor Vehicle Commission to have advanced
• What we're doing here with House Bill 3982 is simply allowing companies with large commercial vehicle
• I thought it was going to be about $1000 worth of damage, and they totaled the car.
• I'm still not totally clear. I think I am on a report or the Damage and all that.

Bills: HB2053, HB2123, HB2603, HB2979, HB2997, HB3148, HB3982, HB4058, HB4108, HB4143, HB4266

Keywords: outdoor advertising, transportation, state law, commercial activities, sign regulations, urban areas, turnpike, infrastructure, Oklahoma Turnpike Authority, construction, bridges, motor carriers, public safety, enforcement, Department of Public Safety, Oklahoma Corporation Commission, transition period, roadside investigation, motor vehicle laws, HB2979

Transcript Highlights:

• loss and damage.
• The average difference in total loss claims was $3,089.26.
• For total loss claims, it's $3,964 above the carrier's final offer.
• losses.
• loss claims.

Bills: SB458, SB819, SB1238, SB1642, SB1643, SB1644, SB1791, SB1810, SB1824, SB1825, SB758, SB1455, SB1706

Keywords: insurance appraisal, property insurance, auto insurance, homeowners insurance, residential property, disputed loss, loss valuation, appraisal clause, appraiser, umpire, Texas Department of Insurance, TDI, insurance dispute resolution, claims adjustment, total loss, windstorm insurance, FAIR Plan, surplus lines insurance, policyholder, insurer

Bills: HB2583, HB1591, HB1749, HB2423

Keywords: HB2583, Hawaii Micro-Lending Credit Enhancement Program, DBEDT, Department of Business, Economic Development, and Tourism, micro-loan, microloan, small business lending, small business financing, loan loss reserve, first-loss reserve, credit enhancement, partial guarantee, risk-sharing, community development financial institution, CDFI, working capital, inventory financing, equipment financing, leasehold improvements, startup loans

Summary: The joint Ways and Means and Consumer Protection meeting was a decision-making session on a series of House bills, with no oral testimony taken. The committees first acted on HB 2583, recommending passage on amended, and HB 1591, recommending passage with amendments related to health care. They also recommended passage on amended for HB 1749 on cesspools and HB 2423 on biodiesel, with each recommendation adopted by the members present. The committees then considered a second agenda block that included HB 2080, HB 1520, HB 1576, HB 1711, HB 1785, HB 1802, HB 1838, HB 1842, HB 1853, HB 1976, HB 2104, HB 2218, HB 2246, HB 2270, HB 2289, HB 2361, HB 2551, and HB 2606. Most were recommended for passage unamended and adopted without objection. HB 1520 was deferred because the Senate bill had already crossed over. HB 1711 was amended to replace the option period established by the corporation with a period of up to 10 years. HB 2289 was amended to remove repeal of a ceiling and set a $1 million expenditure ceiling for the automated victim information and notification system special fund. Several members noted reservations on HB 1842, which involved transfer of the Westridge parcel near a rail station; concerns were raised about the property’s value, the long-term lease status, and whether the city would actually accept or pursue the transfer. HB 1853 was passed unamended, with the committee noting the Lions Association had suggestions that could be addressed later in conference. HB 2218 was passed unamended while adopting DLNR testimony to clarify collaboration with community groups in stewarding public lands and recreational areas. In each case, the stated recommendations were adopted, often with members voting no with reservation rather than in opposition.

Transcript Highlights:

• The Department of Revenue allows you, if you wreck your car and it's totaled out, you can actually take
• But if you do that in another state, once you wreck it and it's totaled out, they flag it as a parts-only
• vehicle, and you can't bring it back to Alabama and have that done.
• it back to Alabama, and if you want to have it repaired and reinspected and retitled as a rebuilt vehicle
• ... ...and retitled as a rebuilt vehicle.

Bills: HB162, HB376, HB425, SB96, HB426

Keywords: homelessness, homeless individuals, unsheltered, transient, shelter, encampment, street outreach, relocation, displacement, law enforcement, municipal government, county government, local government, interjurisdictional transport, Class A misdemeanor, criminal penalties, public safety, social services, Alabama Code 15-20A-4, environmental regulation

Transcript Highlights:

• I've seen some of the vehicles that are carrying immigrants who are being chased and just crashed through

Bills: SB2601

Keywords: landowner compensation, border crime, agriculture damage, law enforcement, crop loss

Summary: The Senate Committee on Border Security met with a quorum and heard only one bill, Senate Bill 2601 by Senator Blanco, laid out by Senator Hinojosa of Hidalgo. The bill was presented as a committee substitute to revise the Landowner’s Compensation Program created last session under SB 1133. The changes would expand eligibility to include land lessees with the landowner’s permission, cover damage to the land itself as well as structures and real property, add continuous smuggling of persons as a qualifying border crime, prohibit insurers from using claims under the program in rate calculations, and require law enforcement to provide requested border crime reports to the Attorney General within 14 days. Public testimony was unanimously supportive. Charles Maley of the South Texans Property Rights Association said the program has been beneficial and that the bill helps clean up implementation issues, including clarifying compensation for debris and pollutants left on land. Stephen Diebel of the Texas and Southwestern Cattle Raisers Association also supported the bill, saying it would help address fence damage, destroyed infrastructure, and other harms along the border, and that lessees who manage properties day to day should be eligible for direct compensation when they have the landowner’s permission. Members discussed border-related property damage, including vehicles crashing through fences, broken sheds, livestock escaping, and resulting highway hazards. Senator Hinojosa asked about how conflicts between landowners and lessees would be handled, and testimony indicated documentation of lease authority would be required. After public testimony closed, the committee adopted the committee substitute without objection and voted to report SB 2601 favorably to the full Senate by a 5-0 vote, recommending it as local and uncontested.

Transcript Highlights:

• <00:04:47.440> of an episode has been caused by loss of an episode has been caused by loss
• <00:22:34.919> miles estimated 56 million vehicle miles estimated 56 million vehicle miles
• on those vehicles.
• <00:42:04.880> it courtesy plates a courtesy vehicle it courtesy plates a courtesy vehicle
• utilized for Courtesy vehicle utilized for Courtesy vehicle purposes<00:42:12.839> uh<00:

Bills: HF2382, HF639, SF1075, HF1243, HF1087, SF1360, HF739, HF2337, HF1220, HF712, HF1219

Keywords: accident reporting, law enforcement, data privacy, contracted service providers, public safety, HF639, Minnesota driver license, Department of Public Safety, driver medical review, loss of consciousness, voluntary control, seizure, nonepileptic seizure, epilepsy, antiseizure medication, physician statement, medical certification, commercial driver, CDL, medical examiner's certificate

Transcript Highlights:

• I've seen some of the vehicles that are carrying immigrants who are being chased and just crashed through

Bills: SB2601

Keywords: landowner compensation, border crime, agriculture damage, law enforcement, crop loss, 1185, senate, all

Summary: The Senate Committee on Border Security met with a quorum and heard one bill, Senate Bill 2601 by Senator Blanco, laid out by Senator Hinojosa of Hidalgo. The bill amends the Landowner’s Compensation Program, which was created last session and is administered by the Office of the Attorney General, to expand eligibility to land lessees, cover damage to the land itself as well as structures and real property, add continuous smuggling of persons as a covered border crime, prohibit insurers from using claims under the program in rate calculations, and require law enforcement to provide border crime reports to the Attorney General within 14 days. The committee substitute also makes the bill a legislative council draft. Public testimony was unanimously supportive. Representatives of the South Texans Property Rights Association and the Texas and Southwestern Cattle Raisers Association said the program has helped landowners but needed cleanup and broader access, especially for lessees who manage property day to day and may otherwise not receive compensation. Testimony also emphasized ongoing problems with fence damage, debris, pollutants, and other border-related property damage. Members asked about implementation, including how conflicts between landowners and lessees would be handled; the response was that documentation of authority and lease responsibilities would be required. After public testimony closed, the committee adopted the committee substitute without objection. Senator Hinojosa then moved that SB 2601 be reported favorably to the full Senate with the committee substitute, and the motion passed on a 5-0 vote. The bill was also recommended for the local and uncontested calendar, with no objection.

Transcript Highlights:

• to qualify to drive category 3 vehicles to qualify to drive commercially<00:19:21.600> in<00:
• I think they would like the larger vehicle.
• I think they would like the larger vehicle.
• <00:43:05.280> the vehicle. So there's two vehicles. the vehicle.
• State taxes on gasoline and diesel fuel for the motor vehicles.

Bills: HB1688, HB2386, HB1691, HB1680, HB2516, HB1993, HB2442, HB1510, HB1958, HB1915, HB1692, HB1524, HB1884, HB1523, HB2213, HB2186, HB2163, HB1908, HB1910

Keywords: general excise tax, aircraft maintenance, tax exemption, aviation industry, economic competitiveness, water carriers, automatic adjustment mechanism, regulatory compliance, rate adjustments, public utilities commission, Hawaii Revised Statutes, biosecurity, community outreach, transportation rates, vehicle ownership, salvaged vehicles, insurance settlement, electronic signatures, administrative efficiency, vehicle transfer

Summary: The committee first took up SB 2699, which would create a youth transit program within DOT and a special fund tied to the environmental response/energy/food security tax fund. The chair described support from several agencies but also noted Attorney General concerns about whether the special fund met statutory criteria, DOE comments requesting a July 1, 2026 effective date, and broader funding concerns because the bill would draw from general fund resources. The chair recommended deferral, saying the measure involved significant long-term costs and needed more work on a funding mechanism. The committee deferred the bill. The committee then heard SB 3182, relating to administrative license revocation procedures. HDOT supported the measure, while the Judiciary opposed the bill as written, citing operational, staffing, fiscal, and mailing burdens from requiring ADLRO to mail all case documents to every respondent within five days. Judiciary said it handles about 3,000 to 4,000 DUI cases annually and would need additional staff and certified-mail costs. Prosecutors from the state and county supported a proposed SD1 version, saying it would address backlog concerns and help DUI enforcement by creating a presumption of revocation. The committee ultimately recommended support and passage of SD1. The committee also heard SB 3313 on interisland air service stability and transformation. The Attorney General warned the bill could be preempted by the federal Airline Deregulation Act and raised constitutional concerns about a local-hire provision. DOTAX said the program would be complicated to administer and suggested third-party certification. No action was taken in the excerpt. The committee then heard SB 3337, which would eliminate state taxes on gasoline and diesel fuel for motor vehicles; HDOT opposed it, while DOTAX provided comments and the Hawaii Transportation Association supported it. The transcript then moved to SB 2896, lowering the minimum age for commercial driving from 19 to 18. HDOT supported the bill, the Hawaii Transportation Association strongly supported it and suggested added training requirements, and an Operating Engineers representative supported the concept but urged that young drivers be tied to apprenticeship or other structured training programs. No vote was shown in the excerpt. Finally, the committee heard SB 2400, which would exempt wing-in-ground craft from the Hawaii Waters Act and define those craft in law. The PUC supported the bill’s intent, and Regent Craft testified in strong support, describing sea gliders as all-electric vessels that could improve interisland access, resiliency, and decarbonization while using existing harbor infrastructure. HTDC and several other groups also supported the measure. Members asked about infrastructure, ports, weather operations, and Coast Guard jurisdiction, and the witness said operators would decide harbor locations and that the company had identified multiple possible ports. No final committee action was included in the excerpt.

Bills: SB297, HB562

Keywords: water resources, division chief, state governance, Alabama law, exempt service, State Auditor, property investigations, loss and theft, state property, property inventory control, 1136, house, all

Transcript Highlights:

• traveled or the total on the project?
• So we know that vehicles create emissions.
• Counties support reducing greenhouse gas and reducing vehicle miles traveled.
• They changed some of the emission standards for new vehicles.
• within the scope of this loss.

Bills: HF4807

Keywords: overweight vehicles, aggregate mining, local ordinance restrictions, legislative audit, transportation, resource inventory

Transcript Highlights:

• to seek insurance through that vehicle. to seek insurance through that vehicle.
• So we may be events is loss of Medicaid.
• >> That's totally fine. Thank you. >> That's totally fine. Thank you.
• <02:12:41.119> medications across various weight loss medications across various weight loss
• This relating to drugs for weight loss.

Bills: HB2488, HB2456

Keywords: disability, communication access, deaf, hard-of-hearing, deaf-blind, healthcare, sign language interpreters, auxiliary aids, weight loss, GLP-1 drugs, obesity, Medicaid, healthcare costs, 910, house, all

Summary: The committee heard testimony on HP 1972, which would create a nonrefundable family caregiver tax credit, and on a related tax measure to increase the existing dependent care tax credit. Supporters of HP 1972, including AARP, the Executive Office on Aging, the Hawaii Public Health Institute, Hawaii Children’s Action Network, and others, said unpaid caregivers are essential to keeping kūpuna and other loved ones at home and described significant out-of-pocket costs. The Department of Taxation and the Tax Foundation raised technical concerns, including the need to avoid overlap with existing credits and to prevent double-dipping. The department said taxpayers can claim credits to the extent allowed, but recommended explicit language barring the same costs from being claimed under more than one credit. No vote was taken in the excerpt, and the chair moved the bill along after questions. The committee then heard HP 1975, which would repeal the sunset on the state rent supplement program for kūpuna. AARP, Catholic Charities Hawaii, the Executive Office on Aging, and others supported making the program permanent, saying it helps low-income older adults avoid eviction and homelessness and allows them to remain in affordable housing. Catholic Charities described clients who were paying unsustainable shares of income for rent before receiving the supplement. Members also shared a constituent example of an elderly retiree who needed the subsidy to stay housed. Written support was noted from additional organizations and individuals. Next, the committee took up HB 1706, which would expand Medicaid prospective payment reimbursement to include mental health services furnished in federally qualified health centers and rural health clinics by mental health professionals under supervision. The Office of Hawaiian Affairs supported the bill, and DHS said it appreciated the intent to address workforce shortages and expand training, but cautioned that unlicensed professionals cannot currently bill Medicaid and that a state plan amendment would be needed, with limited precedent for approval. Members asked about the likelihood and timing of federal approval and whether the bill could help rural areas; DHS said approval is uncertain and the process can take time, though it saw possible alignment with the state’s rural health transformation efforts. The committee also discussed HB 546, a three-year health coverage continuity pilot program for people losing Medicaid coverage. DHS, the Attorney General’s office, DCCA, Catholic Charities, the University of Hawaii, and others testified, with DHS warning that federal changes could increase uninsured rates and that the state may need to act quickly. Catholic Charities and others emphasized the risk to Medicaid recipients, including homeless and near-elderly residents, while DHS explained the state’s existing premium assistance program for certain immigrants and compared it to the proposed pilot. The excerpt ends during discussion of that comparison, with no vote shown.

Transcript Highlights:

• Ability for those vehicles that or equipment that took place or they were used in the crime.
• crimes worse than child sex trafficking, human... trafficking is nothing short of slavery and shows a total
• We see more cyber-related losses than we do tornado or fire losses in the state of Oklahoma, believe
• lot of times they end up passing along that information and then they suffer a significant financial loss

Bills: SB1936, SB1612, SB1543, SB1260, SB1988, SB1859, SB2041, SB1257, HB4272, HB3277, HB3148, HB3651, HB3323, HB4287, HB4105, HB3304, HB3345

Keywords: forfeiture, criminal offenses, law enforcement, Class D1 offenses, property seizure, SB1612, mandatory reporting, violent injury reporting, gunshot wound, stab wound, poisoning, burn injury, explosive injury, medical reporting, healthcare providers, law enforcement notification, evidence preservation, patient video records, confidentiality waiver, misdemeanor penalty

Transcript Highlights:

• Uh, under current statute, insurers must pay a $5 per vehicle year fee to support the motor Vehicle Crime
• of how many occupants are traveling in their vehicle for the sole purpose of passing a vehicle traveling
• Dealers that fraudulently use or require vehicle inspection reports lead to uninspected and unsafe vehicles
• It only applies to vehicles that already require a CDL to operate.
• I mean, we're not talking small vehicles.

Bills: HB 341, HB 469, HB 971, HB 1624, HB 2721, HB 2959, HB 3365, HB 3731, HB 3793, HB 3861, HB 3946, HB 3966, HB 4348, HB 4401, HB 4402, HB 4924, HB 4966, HB 5563

Keywords: affordable housing, zoning, development, community support, local regulations, bicycle lanes, traffic collisions, Texas Department of Transportation, study, public safety, bicycles, electric bicycles, scooters, road safety, transportation study, commercial vehicle, safety standards, enforcement, Texas counties, transportation

Transcript Highlights:

• The total number of voting days remains unchanged.
• SB 505 is a vehicle for those who are actively involved in elections to get answers, shine the light
• Based on, are you complying, are you cooperating, or are you just being totally neglectful and ignoring
• answers and I think of the Republican primary in Hill County back in 2016 where the numbers were totally
• I encourage the members of this committee to support the ideas of this proposal, even if this vehicle

Bills: HB311

Keywords: flood hazards, recreational vehicles, temporary dwelling structures, Texas Water Development Board, flood safety standards, emergency management