The civic record
Read. Follow. Verify.New Mexico Senate Bill 154 requires property insurance to cover wildfire-related flooding for five years
Last action · February 5, 2026: SCONC: Reported by committee with Do Pass recommendationSponsors: Christine Chandler and 2 others
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What This Bill Proposed
Property insurance policies covering wildfire damage must also cover subsequent related flooding, landslides, and mudflows for five years after a wildfire is controlled, applying to policies issued on or after July 1, 2026.
Property owners in wildfire-prone areas retain flood insurance protection without needing separate policies for post-fire mudslides and s during the five-year post-fire window.
- Senate Bill 154 was introduced in the second session of the 57th New Mexico Legislature by sponsors Katy M. Duhigg, Christine Chandler, and Anita Gonzales. context
- Wildfires frequently strip vegetation from terrain, dramatically increasing the risk of severe post-fire mudslides, debris flows, and flash flooding during subsequent rain events. context
Who It Would Have Affected
Groups the bill's text would have affected, as described in the record. Being affected is not a position for or against it.
Property insurance policyholders
Policyholders receive mandatory inclusion of post-wildfire flood and mudslide damage under their existing wildfire property coverage for five years.
Property insurers
Insurers issuing property policies on or after July 1, 2026, must provide coverage for wildfire-related flooding and mudslides for five years following a wildfire.
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 types of flood damage are included under the wildfire insurance requirement?
How long does the required post-wildfire flood coverage last?
What else do you want to know?
News Coverage
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Votes, people, money & the original sourceWhere This Stands
This bill did not become law - Died at adjournment · in Senate committee.
Procedural history
3 actions- Feb 5, 2026SenateSCONC: Reported by committee with Do Pass recommendation
- Jan 30, 2026SenateSCC: Reported by committee to fall within the purview of a 30 day session
- Jan 26, 2026SenateCommitteeSent to SCC - Referrals: SCC/SCONC/STBTC
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
Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
Mandatory Post-Wildfire Flood Protection
The bill establishes a statutory requirement for property insurers to bundle wildfire-related flood and mudslide protections for a duration of five years.
Connected Entities
Sources
www.nmlegis.gov
Analysis Score
0–100- Significance20Lowered because this bill did not pass (its text scored 75)
- Controversy60Intensity of disagreement among stakeholders
- Entertainment10Compellingness for a non-policy-wonk reader
- Buzz40Current news / social attention level
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