FEMA gives money to help communities buy disaster insurance.
H.R. 10686 — Community Disaster Protection Act · Filed by Dave Min (D-CA) · 20 cosponsors · Introduced Oct 1, 2026 · Referred to committee
Your members of Congress
Enter a ZIP to see where your representative and both senators stood on this bill.
Looked up on this device — your ZIP is never stored on our servers.
What it does
The bill tells FEMA to run a 5-year test. FEMA will give grants to states, tribes, nonprofits, and community groups. These groups will design and run insurance. It covers disaster losses that regular insurance does not cover. The money can pay for research, outreach, risk modeling, and program design. The bill gives $20 million per year from 2027 to 2031.
Who it affects
People in high-risk communities may get access to extra insurance. The bill does not say the insurance must be cheap. The bill does not say the government will help pay premiums.
One thing to notice
The bill does not promise the insurance will be affordable. The bill asks the GAO to study whether these programs help the private insurance market. It also asks if they reduce federal disaster aid.
From the analysis of the bill text, linked under Primary records below.
Where it stands
20 cosponsors: 20 Democrats.
- Oct 1, 2026 — Introduced · Congress.gov: “Introduced in House”
- Oct 1, 2026 — Referred to House Committee on Financial Services · Congress.gov: “Referred to the House Committee on Financial Services”
Dates and quoted wording are Congress.gov's action record; the timeline shows status changes, not every procedural step.
Words to know
- FEMA — The federal agency that helps people after disasters.
- grants — Money the government gives that does not have to be paid back.
- GAO — The Government Accountability Office, which studies how federal programs work.
How this was measured
Analysis — Quorum's AI read the bill text published by Congress.gov (24,464 characters) on Oct 3, 2026. Section numbers in the findings refer to that text, linked below; transparency and hidden-provision scores are compared against the median of 16,222 analysed bills.
Status and sponsors — Congress.gov's bill record — actions, committee referrals and cosponsors — loaded nightly. The timeline shows status changes, not every procedural action.
As of — page rendered 2026-10-20.
“FEMA gives money to help communities buy disaster insurance.” QuorumCivic. https://share.quorumcivic.app/bill/119/hr10686/simple Report an error
The week in bills
One email, Sunday: what Congress passed, what it changed, and who paid.
One link arrives to confirm the address. It is used for this email and nothing else, and every issue carries an unsubscribe link.