Proposed National Property Insurance Risk Pool (SB 366)
March 13, 2026
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The Frame
If enacted, this legislation would mandate a shift in how Florida manages disaster-related insurance costs by pooling risk across state lines, potentially altering the long-term availability and structure of property insurance for homeowners.
Potentially affected actors named in the source documents. Mention is not a position.
Florida property owners
The bill aims to reduce financial risks for residents through a national insurance risk pool.
Commissioner of Insurance Regulation
The Commissioner is tasked with the legal requirement to initiate and join the interstate compact by the specified deadline.
Last recorded activity March 13, 2026.
Introduced.
Background
- SB 366 was introduced during the 2026 legislative session but did not advance past the committee stage. context
Summary
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Why It Matters
If enacted, this legislation would mandate a shift in how Florida manages disaster-related insurance costs by pooling risk across state lines, potentially altering the long-term availability and structure of property insurance for homeowners.
Frequently Asked Questions
What is the purpose of this national risk pool?
How many states must join this compact?
News Coverage
Sponsors
Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
Shift toward multi-state risk management
The bill represents a move to externalize disaster risk management by moving from a state-centric model to a multi-state compact model.
Connected Entities
Sources
openstates.org
Analysis Score
0–100- Significance65How much this matters to a regular citizen
- Controversy40Intensity of disagreement among stakeholders
- Entertainment10Compellingness for a non-policy-wonk reader
- Buzz20Current news / social attention level
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