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Read. Follow. Verify.Pennsylvania establishes Landslide and Sinkhole Insurance Program to provide property coverage and risk mapping
Last action · October 7, 2025: Referred to COMMUNITY, ECONOMIC AND RECREATIONAL DEVELOPMENT, Oct. 7, 2025Sponsors: Emily Kinkead and 37 others
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What This Bill Would Do
Pennsylvania establishes a state-backed Landslide and Sinkhole Insurance Program and Fund to provide property coverage up to $150,000 for homeowners, creates a governing board, and transfers $10,000,000 from the General Fund for the 2025-2026 .
Homeowners in landslide and sinkhole-prone areas gain access to specialized property insurance coverage that is excluded from standard policies and the National Flood Insurance Program, backed by a dedicated state fund and risk reduction incentives.
- Landslides and sinkholes have historically caused billions of dollars in damage across the United States, particularly impacting regions with unstable geological formations such as southwestern Pennsylvania. context
- Standard homeowner insurance policies and federal flood insurance programs generally exclude coverage for earth movement, landslides, and sinkhole collapses. context
Who It Would Affect
Groups the bill's text would affect if enacted, as described in the record. Being affected is not a position for or against it.
Property owners
Property owners may apply for landslide and sinkhole insurance coverage up to $150,000, pay established premiums, and must comply with inspection and risk-reduction requirements.
Mortgage lenders
Mortgage lenders that offer the purchase of insurance under this act are required to escrow the premium payments.
Local governments
Local governments may adopt land-use controls and prevention measures, which influence community ratings and premium discounts for their residents.
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
Who is eligible to purchase landslide and sinkhole insurance?
What is the maximum coverage amount available under the program?
How are premium rates determined for property owners?
What else do you want to know?
News Coverage
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Votes, people, money & the original sourceWhere This Stands
Currently passed chamber. The next step in the legislative lifecycle is Law.
Procedural history
16 actions- Oct 7, 2025SenateCommitteeReferred to COMMUNITY, ECONOMIC AND RECREATIONAL DEVELOPMENT, Oct. 7, 2025
- Oct 7, 2025SenateIn the Senate
- Sep 29, 2025HouseFloorThird consideration and final passage, Sept. 29, 2025 (152-51)
- Sep 23, 2025HouseRemoved from table, Sept. 23, 2025
- Sep 23, 2025HouseLaid on the table, Sept. 23, 2025
- Jul 9, 2025HouseRe-reported as amended, July 9, 2025
Show 10 earlier actions
- Jul 9, 2025HouseAmended in House Committee on APPROPRIATIONS, July 9, 2025
- Jul 8, 2025HouseRe-committed to APPROPRIATIONS, July 8, 2025
- Jul 8, 2025HouseFloorSecond consideration, with amendments, July 8, 2025
- Jul 8, 2025HouseCommitteeRe-reported as committed, July 8, 2025
- Jun 26, 2025HouseRe-committed to RULES, June 26, 2025
- Jun 26, 2025HouseIntroducedFirst consideration, June 26, 2025
- Jun 26, 2025HouseCommitteeReported as committed, June 26, 2025
- Jun 2, 2025HouseCommitteeRe-referred to VETERANS AFFAIRS AND EMERGENCY PREPAREDNESS, June 2, 2025
- Jun 2, 2025HouseReported with request to re-refer to VETERANS AFFAIRS AND EMERGENCY PREPAREDNESS, June 2, 2025
- Mar 20, 2025HouseCommitteeReferred to ENVIRONMENTAL AND NATURAL RESOURCE PROTECTION, March 20, 2025
Version history & redline
3 versions on fileLobbying 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
Show 33 more sponsors
Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
Automated General Fund Risk Corridor
The bill establishes a self-correcting financial mechanism where the General Fund automatically injects capital if reserves drop below $10 million and withdraws capital back if reserves exceed $20 million.
Connected Entities
Sources
www.palegis.us
Analysis Score
0–100- Significance85How much this matters to a regular citizen
- Controversy40Intensity of disagreement among stakeholders
- Entertainment10Compellingness for a non-policy-wonk reader
- Buzz50Current news / social attention level
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