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SRES 554
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A resolution recognizing the strong link between climate change and skyrocketing insurance premiums.

Recognizing the strong link between climate change and skyrocketing insurance premiums.

Introduced Dec 17, 2025

Latest action (Dec 17, 2025) Referred to the Committee on Banking, Housing, and Urban Affairs.

Referred to
Banking, Housing, and Urban Affairs Committee
Issues
Climate & Energy

Summary

This resolution recognizes the connection between climate change and rising insurance premiums for homeowners in the United States. It notes that insured losses from natural disasters have increased significantly, with insurance costs more than doubling from 2013 to 2022 and premiums rising 40 percent faster than inflation. The resolution states that failure to address climate change will make housing less affordable for American homeowners.

AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.

Sponsor (1)
10 cosponsors

Actions (2)
  1. Dec 17, 2025 Referred to the Committee on Banking, Housing, and Urban Affairs. · senate
  2. Dec 17, 2025 Introduced in Senate

Similar bills (6)

Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.

  • SRES 555 — A resolution recognizing that climate change poses a threat to the mortgage market and to home values. · Introduced Dec 17, 2025 · Cong. 119 75%
  • SRES 557 — A resolution recognizing that climate change portends a cascade of financial market collapses that would destabilize the national and global economies. · Introduced Dec 17, 2025 · Cong. 119 75%
  • SRES 318 — A resolution recognizing that climate change poses a growing threat to public health and necessitates coordinated action to mitigate its impacts and safeguard the health and well-being of all people in the United States. · Introduced Jul 10, 2025 · Cong. 119 68%
  • SRES 556 — A resolution recognizing that Florida's insurance market is gravely stressed by climate risks. · Introduced Dec 17, 2025 · Cong. 119 65%
  • SRES 558 — A resolution recognizing that climate change-driven extreme weather events are increasing at the same time that the government is dismantling weather monitoring and alert systems. · Introduced Dec 17, 2025 · Cong. 119 64%
  • HRES 568 — Recognizing that climate change poses a growing threat to public health and necessitates coordinated action to mitigate its impacts and safeguard the health and well-being of all people in the United States. · Introduced Jul 10, 2025 · Cong. 119 64%

Full text

IN THE SENATE OF THE UNITED STATES

December 17, 2025

Mr. Whitehouse (for himself, Mr. Merkley, Mr. Schatz, Mr. Markey, Mr. Van Hollen, Ms. Duckworth, Ms. Smith, Mr. Padilla, Mr. Welch, and Ms. Blunt Rochester) submitted the following resolution; which was referred to the Committee on Banking, Housing, and Urban Affairs

RESOLUTION

Recognizing the strong link between climate change and skyrocketing insurance premiums.

Whereas, at the time of the introduction of this resolution, insured losses from natural disasters in the United States exceed $100,000,000,000 annually, up from $8,400,000,000 in 2000, an increase of 1000 percent; Whereas, from 2013 to 2022, insurance costs more than doubled, and by 2022, these costs accounted for more than 20 percent of mortgage payments; Whereas insurance premiums have increased 40 percent faster than inflation; Whereas premiums are projected to increase another 8 percent in 2025, reaching a national average of more than $3,500 annually; Whereas annual premiums in 2024 averaged more than $14,000 in Florida, almost $11,000 in Louisiana, almost $8,000 in Oklahoma, $6,000 in Texas and Colorado, and around $5,000 in Alabama, Mississippi, and Nebraska; and Whereas most lenders will not approve a mortgage unless the borrower also purchases insurance: Now, therefore, be it Resolved, That the Senate recognizes that climate change and the increased risk in frequency and intensity of natural disasters are driving up insurance costs for home owners in the United States, and that a failure to address climate change will make housing even more unaffordable. <all>

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