HB 1576 Texas House · 89th Legislature (2025)

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

HB 1576 establishes a state grant program to help single-family homeowners retrofit properties to better withstand hurricanes and windstorms. The program provides funds for eligible homeowners (specifically those owning a homestead residence, including HUD-code manufactured homes in wind zone III) to meet specific safety standards like the Institute for Business and Home Safety's "fortified home" guidelines. Grants must be used solely for approved retrofitting work, with projects requiring local permits and inspections to comply with building codes. The bill clarifies the state will not fund retrofits as an entitlement, and the Insurance Commissioner will administer the program through rules and contracts.

Bill status passed 3 of 5 stages cleared

Introduction

Mar 2025

Committee Review

May 2025

House Passage

Apr 2025

Senate Passage

Governor

Introduced Mar 12, 2025 Last action May 1, 2025

Maddy AI version diff · 1 comparison

What changed between versions

Introduced → Engrossed · 5 edits · Apr 30, 2025

MODERATE

The bill text was reformatted and reorganized from a draft introduction to an official engrossed version, with substantive additions including a new mandatory discount or rate reduction requirement for insurers and updated implementation timelines. The changes expand the program's applicability by adding specific requirements for insurance companies to offer premium discounts for properties that meet grant eligibility standards.

Scope change

The bill now includes new provisions requiring insurers to provide actuarially justified premium discounts or rate reductions for properties certified as compliant with grant program eligibility standards, with specific applicability dates and exemptions.

REQUIREMENT

New Section 1813.011 requires insurers to provide premium discounts or rate reductions for properties certified as meeting grant program eligibility standards.

TIMELINE

Section 2(b) specifies that the new discount requirement applies only to policies delivered, issued for delivery, or renewed on or after September 1, 2026.

Section 2(c) clarifies that insurers already offering discounts before September 1, 2026, are not required to offer additional discounts.

ENFORCEMENT

Section 2(a) states that the Texas Department of Insurance must implement the new chapter only if the legislature appropriates money specifically for issuing grants.

TECHNICAL

The bill text was reformatted from a draft introduction to an official engrossed version with improved spacing and structure.

Floor votes · House Apr 30, 2025

How they voted

118–21

Passed · 5 other

Total votes 144

Apr 30, 2025

D Democratic57

52 Yea 3 Nay 2

91% Yea

R Republican87

66 Yea 18 Nay 3

75% Yea

Vote distribution

All Yea All Nay Mixed No data

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Amendments

May 1, 2025

Committee

Referred to Business & Commerce

upper

May 1, 2025

Introduced

Read first time

upper

Apr 30, 2025

Introduced

Received from the House

upper

Apr 30, 2025

Lower · Passed

Passed

lower

Apr 29, 2025

Lower · Passed

Passed to engrossment as amended

lower

Apr 29, 2025

Lower · Passed

Amended

lower

Apr 22, 2025

Lower · Passed

Committee report sent to Calendars

lower

Apr 17, 2025

Lower · Passed

Committee report distributed

lower

Apr 9, 2025

Lower · Passed

Reported favorably w/o amendment(s)

lower

Apr 2, 2025

Lower · Passed

Left pending in committee

lower

Apr 2, 2025

Lower · Passed

Testimony taken/registration(s) recorded in committee

lower

Mar 12, 2025

Committee

Referred to Insurance

lower

Mar 12, 2025

Introduced

Read first time

lower

1 primary · 2 co-sponsors