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Senate bill · 119th Congress

S. 2210: Wildfire Insurance Stability Act of 2026

Would create a federal safety net so homeowners in wildfire areas can still buy insurance when private companies pull out.

Introduced July 22, 2025 by Sen. Elena Ibarra [I-SD] · 8 cosponsors · Emergency Management

  1. Introduced

    A member formally files the measure.

  2. In committee (current)

    A committee studies it and can change it.

  3. Passed one chamber

    The originating chamber votes yes.

  4. Passed both chambers

    The other chamber passes the same text.

  5. To the President

    Signed, vetoed, or left to become law.

This measure is with Senate committees. Most measures never leave this stage.

Plain language explanation

AI generated, not yet reviewed by a human

S. 2210 would create a Treasury run reinsurance program for wildfire losses above a state level attachment point of 750,000,000 dollars. States could join only if they adopt defensible space and building material standards. The Senate failed to invoke cloture on June 16, 2026 by a vote of 54 to 44, so floor debate never began.

Not established in the record:

  • Whether the sponsor will file a second cloture motion this session.

What this measure does

If a wildfire causes losses larger than a set amount, the federal government would help pay the insurance companies back. States could only join if they require safer building rules. Insurers could not drop a homeowner just for living in a fire zone.

Reported in Senate · May 4, 2026

Cost estimate

Ten-year net effect of $1.1 billion in savings. CBO estimates premium collections would exceed expected federal payouts by 1.1 billion dollars over ten years, though results vary widely by fire season.

Subjects

Wildfire, Flood insurance, Insurance markets, Natural disasters, Housing finance, Fire prevention

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What this means where you live

Congress.gov holds the text, actions and votes for S. 2210. District level effects and your representative's position are held by HouseConnect.

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