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HB 1576TEXASSession 89RState Billdead

Did Not Advance

Texas creates windstorm and hurricane mitigation grant program for homeowners and mandates insurance discounts

Original title: Relating to a grant program for hurricane and windstorm loss mitigation for single-family residential property.

Last action · May 1, 2025: Referred to Business & CommerceSponsors: Tom Oliverson and 2 others

Companion · SB 2924same policy, Senate version

Bill progressHistory & official text ↓

Introduced

Committee

Floor Vote

Passed

Law

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What This Bill Proposed

Texas establishes a grant program managed by the commissioner to help single-family and manufactured homeowners retrofit properties to resist hurricane and windstorm damage, conditioned on a specific legislative . The measure also requires residential property insurers to provide premium discounts or rate reductions for certified retrofitted homes starting September 1, 2026.

Why it matters

Property owners seeking lower insurance costs and improved storm resilience face specific building standards, while residential insurers must adjust rates or apply standard discounts for certified properties once funds are appropriated.

Background

Hurricane and windstorm mitigation grant programs are legislative initiatives intended to harden residential housing against severe coastal weather in high-risk states like Texas. context
The Texas Department of Insurance regulates the state's insurance industry and oversees consumer protection and property insurance standards. 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.

Directly affected

residential property owners

Eligible homeowners may apply for grants to retrofit properties and qualify for mandatory insurance premium discounts upon certification.

Directly affected

residential property insurers

Insurers must provide actuarially justified premium discounts or rate reductions for certified compliant properties starting September 1, 2026.

Not affected

Texas Windstorm Insurance Association

The association is explicitly exempted from the mandatory premium discount or rate reduction requirements under Section 1813.011.

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 apply for a hurricane and windstorm mitigation grant?

An owner of residential property may apply if the property is a single-family home or that serves as the owner's , subject to additional commissioner rules.

Are all property insurers required to offer discounts for retrofitted homes?

Yes, each insurer authorized to engage in residential property insurance or residential fire and allied lines insurance must provide a discount, except for the Texas Windstorm Insurance Association and commercial insurance policies.

Does this act automatically guarantee grants for all homeowners?

No, the chapter explicitly states it does not create an entitlement for property owners or obligate the state to fund inspection or retrofitting, and implementation is contingent upon specific legislative s.

What else do you want to know?

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Where This Stands

This bill did not become law - Died at adjournment · passed the House · in Senate committee.

Procedural history

28 actions

May 1, 2025SenateCommittee
Referred to Business & Commerce
May 1, 2025SenateIntroduced
Read first time
Apr 30, 2025Senate
Received from the House
Apr 30, 2025House
Reported engrossed
Apr 30, 2025House
Statement(s) of vote recorded in Journal
Apr 30, 2025HouseFloor
Record vote (RV#991)

Show 22 earlier actions

Apr 30, 2025HouseFloor
Passed
Apr 30, 2025HouseFloor
Read 3rd time
Apr 29, 2025House
Statement(s) of vote recorded in Journal
Apr 29, 2025HouseFloor
Record vote (RV#844)
Apr 29, 2025HouseFloor
Passed to engrossment as amended
Apr 29, 2025House
Amended (2-Oliverson and Morgan)
Apr 29, 2025House
Amended (1-Oliverson)
Apr 29, 2025HouseFloor
Read 2nd time
Apr 29, 2025House
Placed on General State Calendar
Apr 24, 2025House
Considered in Calendars
Apr 22, 2025House
Committee report sent to Calendars
Apr 17, 2025House
Committee report distributed
Apr 17, 2025House
Comte report filed with Committee Coordinator
Apr 9, 2025HouseCommittee
Reported favorably w/o amendment(s)
Apr 9, 2025House
Considered in public hearing
Apr 2, 2025House
Left pending in committee
Apr 2, 2025House
Testimony taken/registration(s) recorded in committee
Apr 2, 2025House
Considered in public hearing
Apr 2, 2025House
Scheduled for public hearing on . . .
Mar 12, 2025HouseCommittee
Referred to Insurance
Mar 12, 2025HouseIntroduced
Read first time
Dec 11, 2024HouseIntroduced
Filed

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.

Discoveries

1 pattern noticed across the record

Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.

policy shift95% confidence

Contingent Implementation Tied to Appropriations

The operational enforcement of both the grant administration and mandatory insurance discounts is strictly dependent on the legislature passing specific funding appropriations.

Texas Department of Insurance

Connected Entities

Institute for Business and Home Safety, Texas Windstorm Insurance Association, United States Department of Housing and Urban Development and 1 more

OrganizationInstitute for Business and Home Safety“Sets fortified home standards used for grant retrofitting requirements.”Map →

OrganizationTexas Windstorm Insurance Association“Exempted from the mandatory insurance discount requirement.”Map →

OrganizationUnited States Department of Housing and Urban Development“Designates wind zones for manufactured homes.”Map →

OrganizationTexas Department of Insurance“Administers the grant program, account, and adopts implementation rules.”Map →

Sources

Open source document

capitol.texas.gov

Analysis Score

0–100

Significance20
Lowered because this bill did not pass (its text scored 75)
Controversy40
Intensity of disagreement among stakeholders
Entertainment5
Compellingness for a non-policy-wonk reader
Buzz45
Current news / social attention level

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