119th Congress · introduced in the House · Jan 28, 2025
Homeowners’ Defense Act of 2025
Official title from Congress.gov
Latest action (Jan 28, 2025): Referred to the House Committee on Financial Services.
View on Congress.govPolicy area: Finance and Financial Sector
Congressional Research Service summary, version: Introduced in House (Jan 28, 2025)
Homeowners' Defense Act of 2025
This bill allows the Department of the Treasury to guarantee the debt issued by an eligible state catastrophe insurance program, with limitations on the total amount of debt guaranteed.
To qualify, a state program must (1) be established and authorized by state law as an insurance program or a reinsurance program designed to support the private insurance market, and (2) offer residential property insurance coverage for losses arising from any personal residential line of insurance. Treasury must pay the portion of the principal and interest on guaranteed debt due for payment if the state program has insufficient funds.
Treasury must also make reinsurance coverage available to eligible state programs. (Reinsurance protects insurers from large losses.) The bill also establishes the Federal Natural Catastrophe Reinsurance Fund, funded in part by the sale of reinsurance contracts, to pay out eligible losses.
The bill also establishes the National Catastrophe Risk Consortium which must maintain an inventory of catastrophe risk obligations held by providers of natural catastrophe insurance, among other functions.
The Department of Housing and Urban Development must provide grants to entities (such as states) for the purpose of preventing and mitigating losses from natural catastrophes.
Show the full summary (1 more paragraphs)Includes amendment, cloture, and procedural votes. Each is labeled with its exact question; only a passage question is a vote to pass the bill.
No recorded roll calls on this bill in coverage.
Referred to the House Committee on Financial Services.
Introduced in House
Introduced in House
Actions from Congress.gov, newest first.
LD-2 reports whose issue descriptions explicitly cite this bill (bill type and number validated against Congress.gov records). A citation does not establish the client's position or any contact with a member.
Loading lobbying reportsCoverage: reports for 2025 onward, posted Jan 1, 2025 through Oct 24, 2026.
24 citations.
NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES · lobbying firm or registrant: NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 21, 2026 · issue area: Insurance
$520,000
Spent on own lobbying
…damages from wildfires, and for other purposes. H.R.643 - To eliminate the Federal Insurance Office of the Department of the Treasury, and for other purposes. H.R.827 - To ensure the availability and affordability of homeowners' insurance coverage for catastrophic events. H.R.1481 - To amend the Internal Revenue Code of 1986…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
HOUSING POLICY COUNCIL · lobbying firm or registrant: THE SMITH-FREE GROUP, LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Housing
$60,000
Paid to lobbying firm
…S. 1299, the Housing Supply Frameworks Act Monitored H.R. 1777, the SECURE Notarization Act of 2025 Monitored S. 2719, the Yes in God's Back Yard Act Monitored H.R. 827, the Homeowners' Defense Act of 2025 Monitored executive branch nominations to federal agencies and commissions
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
REINSURANCE ASSN OF AMERICA · lobbying firm or registrant: REINSURANCE ASSN OF AMERICA
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 16, 2026 · issue area: Homeland Security
$430,000
Spent on own lobbying
H.R. 471 - Fix Our Forests Act H.R. 501 - Promoting Resilient Buildings Act of 2025 H.R. 550 - Wildfire Insurance Coverage Study Act of 2025 H.R. 827 - Homeowners Defense Act of 2025 H.R. 1923 - Modernizing Wildfire Safety and Prevention Act of 2025 H.R. 2123 - NFIP Extension Act of 2025 H.R. 2822 - To exten…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
REINSURANCE ASSN OF AMERICA · lobbying firm or registrant: REINSURANCE ASSN OF AMERICA
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · amended · posted Jul 23, 2026 · issue area: Homeland Security
$370,000
Spent on own lobbying
H.R. 471 - Fix Our Forests Act H.R. 501 - Promoting Resilient Buildings Act of 2025 H.R. 550 - Wildfire Insurance Coverage Study Act of 2025 H.R. 827 - Homeowners Defense Act of 2025 H.R. 1923 - Modernizing Wildfire Safety and Prevention Act of 2025 H.R. 2123 - NFIP Extension Act of 2025 H.R. 2822 - To exten…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES · lobbying firm or registrant: NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Insurance
$540,000
Spent on own lobbying
…damages from wildfires, and for other purposes. H.R.643 - To eliminate the Federal Insurance Office of the Department of the Treasury, and for other purposes. H.R.827 - To ensure the availability and affordability of homeowners' insurance coverage for catastrophic events. H.R.1481 - To amend the Internal Revenue Code of 1986…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
HOUSING POLICY COUNCIL · lobbying firm or registrant: THE SMITH-FREE GROUP, LLC
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Housing
$60,000
Paid to lobbying firm
…S. 1299, the Housing Supply Frameworks Act Monitored H.R. 1777, the SECURE Notarization Act of 2025 Monitored S. 2719, the Yes in God's Back Yard Act Monitored H.R. 827, the Homeowners' Defense Act of 2025 Monitored executive branch nominations to federal agencies and commissions
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN FAMILY MUTUAL INSURANCE COMPANY, S.I. · lobbying firm or registrant: AMERICAN FAMILY MUTUAL INSURANCE COMPANY, S.I.
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted May 27, 2026 · issue area: Insurance
$97,407
Spent on own lobbying
…rt on coordination in the public and private sectors in responding to ransomware attacks on financial institutions, and for other purposes. (Zach Nunn, R-IA-3) H.R.827 - To ensure the availability and affordability of homeowners' insurance coverage for catastrophic events. (Frederica Wilson, D-FL-24) H.R.834 - To amend the Ro…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
REINSURANCE ASSN OF AMERICA · lobbying firm or registrant: REINSURANCE ASSN OF AMERICA
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Homeland Security
$520,000
Spent on own lobbying
H.R. 471 - Fix Our Forests Act H.R. 501 - Promoting Resilient Buildings Act of 2025 H.R. 550 - Wildfire Insurance Coverage Study Act of 2025 H.R. 827 - Homeowners Defense Act of 2025 H.R. 1923 - Modernizing Wildfire Safety and Prevention Act of 2025 H.R. 2123 - NFIP Extension Act of 2025 H.R. 2822 - To exten…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
HOUSING POLICY COUNCIL · lobbying firm or registrant: THE SMITH-FREE GROUP, LLC
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Housing
$60,000
Paid to lobbying firm
…S. 1299, the Housing Supply Frameworks Act Monitored H.R. 1777, the SECURE Notarization Act of 2025 Monitored S. 2719, the Yes in God's Back Yard Act Monitored H.R. 827, the Homeowners' Defense Act of 2025 Monitored executive branch nominations to federal agencies and commissions
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES · lobbying firm or registrant: NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Insurance
$506,440
Spent on own lobbying
…damages from wildfires, and for other purposes. H.R.643 - To eliminate the Federal Insurance Office of the Department of the Treasury, and for other purposes. H.R.827 - To ensure the availability and affordability of homeowners' insurance coverage for catastrophic events. H.R.1481 - To amend the Internal Revenue Code of 1986…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN FAMILY MUTUAL INSURANCE COMPANY, S.I. · lobbying firm or registrant: AMERICAN FAMILY MUTUAL INSURANCE COMPANY, S.I.
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · posted Feb 4, 2026 · issue area: Insurance
$12,851
Spent on own lobbying
…rt on coordination in the public and private sectors in responding to ransomware attacks on financial institutions, and for other purposes. (Zach Nunn, R-IA-3) H.R.827 - To ensure the availability and affordability of homeowners' insurance coverage for catastrophic events. (Frederica Wilson, D-FL-24) H.R.834 - To amend the Ro…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
HOUSING POLICY COUNCIL · lobbying firm or registrant: THE SMITH-FREE GROUP, LLC
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · posted Jan 20, 2026 · issue area: Housing
$60,000
Paid to lobbying firm
…S. 1299, the Housing Supply Frameworks Act Monitored H.R. 1777, the SECURE Notarization Act of 2025 Monitored S. 2719, the Yes in God's Back Yard Act Monitored H.R. 827, the Homeowners' Defense Act of 2025 Monitored executive branch nominations to federal agencies and commissions
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
REINSURANCE ASSN OF AMERICA · lobbying firm or registrant: REINSURANCE ASSN OF AMERICA
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · posted Jan 19, 2026 · issue area: Homeland Security
$390,000
Spent on own lobbying
H.R. 471 - Fix Our Forests Act H.R. 501 - Promoting Resilient Buildings Act of 2025 H.R. 550 - Wildfire Insurance Coverage Study Act of 2025 H.R. 827 - Homeowners Defense Act of 2025 H.R. 1923 - Modernizing Wildfire Safety and Prevention Act of 2025 H.R. 2123 - NFIP Extension Act of 2025 H.R. 2250 - National…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES · lobbying firm or registrant: NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · posted Jan 16, 2026 · issue area: Insurance
$465,758
Spent on own lobbying
…damages from wildfires, and for other purposes. H.R.643 - To eliminate the Federal Insurance Office of the Department of the Treasury, and for other purposes. H.R.827 - To ensure the availability and affordability of homeowners' insurance coverage for catastrophic events. H.R.1481 - To amend the Internal Revenue Code of 1986…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN FAMILY MUTUAL INSURANCE COMPANY, S.I. · lobbying firm or registrant: AMERICAN FAMILY MUTUAL INSURANCE COMPANY, S.I.
2025 Q3 report (Jul 1, 2025 – Sep 30, 2025) · posted Oct 27, 2025 · issue area: Insurance
$87,675
Spent on own lobbying
…rt on coordination in the public and private sectors in responding to ransomware attacks on financial institutions, and for other purposes. (Zach Nunn, R-IA-3) H.R.827 - To ensure the availability and affordability of homeowners' insurance coverage for catastrophic events. (Frederica Wilson, D-FL-24) H.R.834 - To amend the Ro…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES · lobbying firm or registrant: NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES
2025 Q3 report (Jul 1, 2025 – Sep 30, 2025) · posted Oct 21, 2025 · issue area: Insurance
$442,147
Spent on own lobbying
…damages from wildfires, and for other purposes. H.R.643 - To eliminate the Federal Insurance Office of the Department of the Treasury, and for other purposes. H.R.827 - To ensure the availability and affordability of homeowners' insurance coverage for catastrophic events. H.R.1481 - To amend the Internal Revenue Code of 1986…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
HOUSING POLICY COUNCIL · lobbying firm or registrant: THE SMITH-FREE GROUP, LLC
2025 Q3 report (Jul 1, 2025 – Sep 30, 2025) · posted Oct 20, 2025 · issue area: Housing
$60,000
Paid to lobbying firm
…H.R. 1777, the SECURE Notarization Act of 2025 Monitored S. 1299, the Housing Supply Frameworks Act Monitored S. 2719, the Yes in God's Back Yard Act Monitored H.R. 827, the Homeowners' Defense Act of 2025 Monitored executive branch nominations to federal agencies and commissions
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
REINSURANCE ASSN OF AMERICA · lobbying firm or registrant: REINSURANCE ASSN OF AMERICA
2025 Q3 report (Jul 1, 2025 – Sep 30, 2025) · posted Oct 16, 2025 · issue area: Homeland Security
$440,000
Spent on own lobbying
H.R. 471 - Fix Our Forests Act H.R. 501 - Promoting Resilient Buildings Act of 2025 H.R. 550 - Wildfire Insurance Coverage Study Act of 2025 H.R. 827 - Homeowners Defense Act of 2025 H.R. 1923 - Modernizing Wildfire Safety and Prevention Act of 2025 H.R. 2123 - To amend the National Flood Insurance Act of 19…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN FAMILY MUTUAL INSURANCE COMPANY, S.I. · lobbying firm or registrant: AMERICAN FAMILY MUTUAL INSURANCE COMPANY, S.I.
2025 Q2 report (Apr 1, 2025 – Jun 30, 2025) · posted Sep 25, 2025 · issue area: Insurance
$40,138
Spent on own lobbying
…rt on coordination in the public and private sectors in responding to ransomware attacks on financial institutions, and for other purposes. (Zach Nunn, R-IA-3) H.R.827 - To ensure the availability and affordability of homeowners' insurance coverage for catastrophic events. (Frederica Wilson, D-FL-24) H.R.834 - To amend the Ro…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES · lobbying firm or registrant: NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES
2025 Q2 report (Apr 1, 2025 – Jun 30, 2025) · posted Jul 21, 2025 · issue area: Insurance
$435,663
Spent on own lobbying
…damages from wildfires, and for other purposes. H.R.643 - To eliminate the Federal Insurance Office of the Department of the Treasury, and for other purposes. H.R.827 - To ensure the availability and affordability of homeowners' insurance coverage for catastrophic events. H.R.1481 - To amend the Internal Revenue Code of 1986…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
REINSURANCE ASSN OF AMERICA · lobbying firm or registrant: REINSURANCE ASSN OF AMERICA
2025 Q2 report (Apr 1, 2025 – Jun 30, 2025) · posted Jul 18, 2025 · issue area: Homeland Security
$440,000
Spent on own lobbying
H.R. 471 - Fix Our Forests Act H.R. 501 - Promoting Resilient Buildings Act of 2025 H.R. 550 - Wildfire Insurance Coverage Study Act of 2025 H.R. 827 - Homeowners Defense Act of 2025 H.R. 1923 - Modernizing Wildfire Safety and Prevention Act of 2025 H.R. 2123 - To amend the National Flood Insurance Act of 19…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN FAMILY MUTUAL INSURANCE COMPANY, S.I. · lobbying firm or registrant: AMERICAN FAMILY MUTUAL INSURANCE COMPANY, S.I.
2025 Q1 report (Jan 1, 2025 – Mar 31, 2025) · posted Jul 1, 2025 · issue area: Insurance
$86,159
Spent on own lobbying
…rt on coordination in the public and private sectors in responding to ransomware attacks on financial institutions, and for other purposes. (Zach Nunn, R-IA-3) H.R.827 - To ensure the availability and affordability of homeowners' insurance coverage for catastrophic events. (Frederica Wilson, D-FL-24) H.R.834 - To amend the Ro…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES · lobbying firm or registrant: NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES
2025 Q1 report (Jan 1, 2025 – Mar 31, 2025) · posted Apr 21, 2025 · issue area: Insurance
$424,512
Spent on own lobbying
…damages from wildfires, and for other purposes. H.R.643 - To eliminate the Federal Insurance Office of the Department of the Treasury, and for other purposes. H.R.827 - To ensure the availability and affordability of homeowners' insurance coverage for catastrophic events. H.R.1481 - To amend the Internal Revenue Code of 1986…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
REINSURANCE ASSN OF AMERICA · lobbying firm or registrant: REINSURANCE ASSN OF AMERICA
2025 Q1 report (Jan 1, 2025 – Mar 31, 2025) · posted Apr 17, 2025 · issue area: Homeland Security
$370,000
Spent on own lobbying
H.R. 471 - Fix Our Forests Act H.R. 501 - Promoting Resilient Buildings Act of 2025 H.R. 550 - Wildfire Insurance Coverage Study Act of 2025 H.R. 827 - Homeowners Defense Act of 2025 H.R. 1923 - Modernizing Wildfire Safety and Prevention Act of 2025 H.R. 2123 - To amend the National Flood Insurance Act of 19…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing