Monitoring the Session

HB 2841

bill on windstorm insurance for FORTIFIED buildings

Did not pass

Verdict: No flags

No flagsInitial review
Rep. John T. SmitheeRHouse 86

Initial review · graded Oct 20, 2026 · Headline, summary and grade are analysis of the bill text, not a finding about any person · How we grade

Caption

relating to Texas Windstorm Insurance Association underwriting standards for new structures constructed in accordance with certain construction standards.

Caption from analyzed text · version I.

Summary

Built to FORTIFIED standards means you meet the underwriting rules.

The bill tells the Texas Windstorm Insurance Association to treat new buildings certified as built to the FORTIFIED home, multifamily, or commercial standards as automatically meeting its underwriting rules. It affects property owners and builders in the association's coverage area, along with the association itself, which must update its plan of operation. New structures built to that published standard on or after September 1, 2025 cannot be turned down for failing the association's underwriting standards.

Labels

Labels: STALLED AFTER COMMITTEE. Voted out of the House Insurance committee 9-0 on Apr 9, 2025. Placed on the General State Calendar on May 15, 2025. The bill died.

Receipt

The receipt

89R-HB2841 · 2025-02-14

SOLD BY

Rep. John T. SmitheeRHouse 86 Rep. Dennis PaulRHouse 129

+ 1 coauthor

ITEM

relating to Texas Windstorm Insurance Association underwriting standards for new structures constructed in accordance with certain construction standards.

WHAT IT DOES

Built to FORTIFIED standards means you meet the underwriting rules.

The bill tells the Texas Windstorm Insurance Association to treat new buildings certified as built to the FORTIFIED home, multifamily, or commercial standards as automatically meeting its underwriting rules. It affects property owners and builders in the association's coverage area, along with the association itself, which must update its plan of operation. New structures built to that published standard on or after September 1, 2025 cannot be turned down for failing the association's underwriting standards.

CHARGES

[ ] NONE FOUND

TOTAL

No significant fiscal implication to the State is anticipated.

LBB estimate · fiscal note version H · source

Sources

Fiscal note · version H · April 11, 2025

No first-year general revenue figure available here.

LBB published estimates · flow over the stated periods.

Source snapshot 2026-10-19, Central time.

HISTORY

  1. Filed
  2. Read first time
  3. Referred to Insurance
  4. Scheduled for public hearing on . . .
  5. Considered in public hearing
  6. Testimony taken/registration(s) recorded in committee
  7. Left pending in committee
  8. Considered in public hearing
  9. Committee substitute considered in committee
  10. Reported favorably as substituted
  11. Comte report filed with Committee Coordinator
  12. Committee report distributed
  13. Committee report sent to Calendars
  14. Considered in Calendars
  15. Considered in Calendars
  16. Placed on General State Calendar
FILED UNDER

No verified beat found.

No flags

THANK YOU FOR CHECKING THE RECEIPT

CAMPAIGN PAID FOR BY

CAMPAIGN PAID FOR BY

John T. Smithee

Donors

Kickapoo Traditional Tribe of TX$5KRichard Weekley$5,000Texans for Lawsuit Reform PAC$5K

Not tied to this bill.

Sources

The author's campaign account only. Own money and internal transfers are separate on the member page.

Derived itemized flow · Aug 19, 2024 to Jun 24, 2025. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Kickapoo Traditional Tribe of TX$5,000.00

Kickapoo Traditional Tribe of TX

$5,000.00

Cash
$5,000.00
Paid by others
$0.00
Total
$5,000.00

Also funds 0 other sitting lawmakers.

Derived recipient stock · on Aug 28, 2024. State data as of Nov 4, 2026.

Name match, not a verified identity: normalized filed name and state.

Sources

Derived itemized flow · on Aug 28, 2024. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 100968332.

Richard Weekley$5,000.00
Texans for Lawsuit Reform PAC$5,000.00

Texans for Lawsuit Reform PAC

$5,000.00

Cash
$5,000.00
Paid by others
$0.00
Total
$5,000.00

Also funds 124 other sitting lawmakers.

Derived recipient stock · Jul 10, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · on Jun 24, 2025. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 101011601.

Money

Missing data does not establish zero giving. Display amounts are rounded.

×

Kickapoo Traditional Tribe of TX

$5,000.00

Cash
$5,000.00
Paid by others
$0.00
Total
$5,000.00

Also funds 0 other sitting lawmakers.

Derived recipient stock · on Aug 28, 2024. State data as of Nov 4, 2026.

Name match, not a verified identity: normalized filed name and state.

Sources

Derived itemized flow · on Aug 28, 2024. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 100968332.

×

Texans for Lawsuit Reform PAC

$5,000.00

Cash
$5,000.00
Paid by others
$0.00
Total
$5,000.00

Also funds 124 other sitting lawmakers.

Derived recipient stock · Jul 10, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · on Jun 24, 2025. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 101011601.

Votes

No floor vote loaded for this bill.

Witnesses9
For
7
Against
0
On
2
Names

For

  • American Property Casualty Insurance Association (APCIA)1 registration
  • Coastal Windstorm Insurance Coalition1 registration
  • Insurance council of texas1 registration
  • Lone Star Chapter Sierra Club1 registration
  • National Association of Mutual Insurance Companies1 registration
  • Self; State Farm Insurance1 registration
  • Texas Coalition for Affordable Insurance Solutions1 registration

On

  • Texas Department of Insurance1 registration
  • Texas windstorm insurance association1 registration
Sources

9 parsed registrations across the loaded witness lists.

Derived stock of witness registrations. Repeated appearances count separately. Organizations and self-representation appear as printed.

House witness list. Source snapshot 2026-10-20, Central time.

Fiscal

No significant fiscal implication to the State is anticipated.

LBB estimate · fiscal note version H · source

Sources

Fiscal note · version H · April 11, 2025

No first-year general revenue figure available here.

LBB published estimates · flow over the stated periods.

Source snapshot 2026-10-19, Central time.

How this was graded

Analysis of text version I by claude-opus-5-5, Oct 20, 2026, against the published rubric.

Sources

Texas House · Filed Feb 14, 2025

05/15/2025 H Placed on General State Calendar

Texas Legislature Online · Introduced · House Committee Report

Data snapshot Oct 26, 2026 at 4:20 AM CDT. Grades, charges, quotes and corrections follow the published record.

Coauthors
Penny Morales ShawDHouse 148

House committee · Insurance · Committee vote 9 aye, 0 nay · Out of committee

Subjects

Insurance--Property & Casualty

BUILDING CONSTRUCTION

WINDSTORM DEVICES & INSURANCE

WINDSTORM INSURANCE ASSOCIATION, TEXAS

Text

The text as introduced · 185 words

89R9371 DNC-F

By: Smithee
H.B. No. 2841

A BILL TO BE ENTITLED

AN ACT

relating to Texas Windstorm Insurance Association underwriting

standards for new structures constructed in accordance with certain

construction standards.

BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS:

SECTION 1. Section 2210.152, Insurance Code, is amended by

adding Subsection (d) to read as follows:

(d) The plan of operation must provide that new structures

certified to have been constructed in accordance with the fortified

home, multifamily, or commercial construction standards published

by the Insurance Institute for Business and Home Safety or its

successor entity are deemed to meet the association's underwriting

standards.

SECTION 2. (a) Section 2210.152(d), Insurance Code, as

added by this Act, applies only to a structure constructed on or

after the effective date of this Act.

(b) As soon as practicable after the effective date of this

Act, the Texas Windstorm Insurance Association shall propose to the

commissioner of insurance amendments to the association's plan of

operation to conform to the changes in law made by this Act.

SECTION 3. This Act takes effect September 1, 2025.