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Read. Follow. Verify.Maryland directs University System to study climate change, homeowner insurance, and disaster preparedness
Last action · May 26, 2026: Approved by the Governor - Chapter 696Sponsor: Ben Kramer
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What This Bill Does
Maryland law requires the University System of Maryland to study the connection between climate change, homeowner insurance costs, and disaster readiness, and report findings by July 1, 2027. The law authorizes up to $100,000 from the to pay for the study and takes effect June 1, 2026.
The study will examine rising insurance prices and decreasing coverage availability tied to climate risks, potentially shaping future state tax credits, grants, and insurance rate regulations for property owners.
Who It Affects
Groups the bill's text affects, as described in the record. Being affected is not a position for or against it.
Homeowners
Property owners may be impacted by future insurance rate adjustments, premium changes, and potential incentive programs for weather-resilient home improvements.
University System of Maryland
The institution is tasked with conducting the study, coordinating oversight groups, and submitting a formal report by July 1, 2027.
Insurers
Private insurance companies and the flood insurance market will be evaluated regarding policyholder rates, availability, and coverage adjustments.
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.
Frequently Asked Questions
What is the purpose of the study required by the law?
Who is responsible for conducting the study?
When is the final report due?
How is the study funded?
What else do you want to know?
News Coverage
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Votes, people, money & the original sourceWhere This Stands
Current status: Signed into law.
Procedural history
16 actions- May 26, 2026Governor of MarylandEnrolledApproved by the Governor - Chapter 696
- Apr 13, 2026SenateFloorPassed Enrolled
- Apr 13, 2026SenateFloorThird Reading Passed (30-13)
- Apr 13, 2026SenateFloorSenate Concurs House Amendments
- Apr 13, 2026HouseFloorThird Reading Passed (102-36)
- Apr 9, 2026HouseFloorSecond Reading Passed with Amendments
Show 10 earlier actions
- Apr 9, 2026HouseFavorable with Amendments { 203329/1 Adopted
- Apr 8, 2026HouseCommitteeFavorable with Amendments Report by Environment and Transportation
- Mar 25, 2026HouseHearing 4/02 at 1:00 p.m. (Environment and Transportation)
- Mar 23, 2026HouseCommitteeReferred Environment and Transportation Judiciary
- Mar 20, 2026SenateFloorThird Reading Passed (29-11)
- Mar 20, 2026SenateFloorSecond Reading Passed with Amendments
- Mar 20, 2026SenateFavorable with Amendments { 193029/1 Adopted
- Mar 20, 2026SenateCommitteeFavorable with Amendments Report by Finance
- Feb 11, 2026SenateHearing 2/25 at 1:00 p.m.
- Feb 6, 2026SenateIntroducedFirst Reading Finance
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Sponsors
Connected Entities
Sources
mgaleg.maryland.gov
Analysis Score
0–100- Significance55How much this matters to a regular citizen
- Controversy15Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz25Current news / social attention level
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