SESSION WATCH
Died HOUSE · SESSION 2026

No. HB 319

Property Insurance Interstate Compact
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SPONSOR
Skidmore
FILED BY
Kelly Skidmore — District 92, Democrat [search donations]
EFFECTIVE
7/1/2026
DIED IN
Insurance & Banking Subcommittee

Filed under Insurance.

PROVIDED SUMMARY

Property Insurance Interstate Compact; Requires Commissioner of Insurance Regulation to initiate compact with other states to establish national risk pool for property insurance for natural disasters for specified purpose; requires commissioner to enter into compact with minimum number of member states.

Full bill text →

Plain English Summary

AI-GENERATED
Requires the state to pursue a multistate natural disaster insurance pool.

The Commissioner of Insurance Regulation must start creating a national property insurance compact with other states by December 31, 2027, aimed at spreading natural disaster risk across state lines.

Once formed, the commissioner must join the compact once at least 14 other states have signed on, creating a shared national risk pool for storm and disaster losses.

The bill does not create the compact itself. It only directs the commissioner to negotiate one and to join once enough other states sign on.

KEY PROVISIONS
§ 1 Commissioner must join a multistate disaster risk-pool compact major

AIOnce at least 14 other states have signed on, the commissioner is required to join a shared compact that pools property insurance risk for natural disasters across member states, binding Florida to whatever terms the compact sets.

“enter into the compact with at least 14 other member states” bill text, line 17 →
§ 2 Commissioner must begin negotiating the compact by end of 2027 moderate

AIThe commissioner must begin negotiating a multistate compact to create a shared risk pool for natural disaster property insurance losses, with a deadline of December 31, 2027 to start that process.

“initiate a compact with other states to establish a national risk pool for property insurance for natural disasters” bill text, line 4 →
TIMELINE
3/13/2026
Died in Insurance & Banking Subcommittee
1/13/2026
1st Reading (Original Filed Version)
11/12/2025
Now in Insurance & Banking Subcommittee
11/12/2025
Referred to Commerce Committee
11/12/2025
Referred to Insurance & Banking Subcommittee
11/4/2025
Filed