To direct the Secretary of Homeland Security, acting through the Administrator of the Federal Emergency Management Agency, to establish a pilot program to award grants to covered entities to support the design, development, facilitation, or implementation of community-based catastrophe insurance.
Latest action (1 Oct 2026): Introduced
What this bill does
This bill, H.R. 10686, would direct the Department of Homeland Security, through the Federal Emergency Management Agency (FEMA), to create a pilot program. This program would award grants to eligible organizations, referred to as "covered entities." The purpose of these grants is to help these entities plan, create, manage, or carry out community-based insurance programs specifically designed to cover losses from catastrophic events.
The bill's title indicates its focus is on establishing this grant program. The precise details of which entities would qualify as "covered entities," the types of catastrophic events the insurance would cover, or the specific amounts or criteria for the grants are not yet publicly available. Once the full text of the bill is released, these details will become clear.
H.R. 10686 was introduced in the House of Representatives on October 1, 2026, by Representative Dave Min. As of now, its status is "Introduced," meaning it has been formally presented to the House. The next steps would involve the bill moving through the legislative process, which could include committee review, potential amendments, and votes in the House and then potentially the Senate.
Plain-English summary generated by Bill100 AI from the official record. Always verify against the source below.
Official summary
This bill is in the first stage of the legislative process. It was introduced into Congress on October 1, 2026. It will typically be considered by committee next before it is possibly sent on to the House or Senate as a whole.
Common questions
- What does H.R. 10686 do?
- This bill, H.R. 10686, would direct the Department of Homeland Security, through the Federal Emergency Management Agency (FEMA), to create a pilot program. This program would award grants to eligible organizations, referred to as "covered entities." The purpose of these grants is to help these entities plan, create, manage, or carry out community-based insurance programs specifically designed to cover losses from catastrophic events. The bill's title indicates its focus is on establishing this grant program. The precise details of which entities would qualify as "covered entities," the types of catastrophic events the insurance would cover, or the specific amounts or criteria for the grants are not yet publicly available. Once the full text of the bill is released, these details will become clear. H.R. 10686 was introduced in the House of Representatives on October 1, 2026, by Representative Dave Min. As of now, its status is "Introduced," meaning it has been formally presented to the House. The next steps would involve the bill moving through the legislative process, which could include committee review, potential amendments, and votes in the House and then potentially the Senate.
- Has H.R. 10686 become law?
- Not yet. As of 1 Oct 2026, H.R. 10686 is introduced.
- Who sponsored H.R. 10686?
- H.R. 10686 was sponsored by Rep. Dave Min [D-CA47] (Democrat-CA), with 0 cosponsors.
- What's the latest action on H.R. 10686?
- Introduced (1 Oct 2026).
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