Strengthen Mississippi Homes Act - Home Mitigation Program

Mississippi Legislative Events

Published April 6th, 2026

Detected April 7th, 2026

Summary

Mississippi Governor signed SB2409, the Strengthen Mississippi Homes Act, replacing the Comprehensive Hurricane Damage Mitigation Program with an expanded Strengthen Mississippi Homes Program within the Mississippi Department of Insurance. The law increases home mitigation grants to $10,000 per home and expands eligible activities to include tornado, hail, and catastrophic windstorm mitigation beyond hurricane coverage.

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What changed

Mississippi enacted the Strengthen Mississippi Homes Act (SB2409), which amends Section 83-1-191 and Section 83-5-73 of the Mississippi Code to rename and expand the state's home mitigation program. Key changes include: expanding program scope from hurricane-only mitigation to include tornado, hail, and other catastrophic windstorm events; increasing grant amounts from prior levels to $10,000 per home; establishing an Advisory Council and operational reporting requirements to the Governor and Legislature; and increasing fees for insurance agent Certificates of Authority. The bill passed the Senate 52-0 and the House 116-1 before final conference report adoption.

Property owners, homeowners, and insurance agents in Mississippi should familiarize themselves with the expanded program criteria and updated grant structure. Insurance companies and licensed agents should review the new fee requirements under Section 83-5-73. The Mississippi Department of Insurance will establish implementing regulations for grant criteria, and grants remain subject to legislative appropriation.

What to do next

Review updated home mitigation program criteria for client eligibility under expanded windstorm, tornado, and hail coverage
Verify insurance agent Certificate of Authority fees reflect new rates under Section 83-5-73
Monitor Mississippi Department of Insurance regulations for grant application procedures

Source document (simplified)

ChangeBridge / Mississippi / SB2409 Signed by Governor SB2409 Senate Bill Signed by Governor 2026-04-06

Mississippi Department of Insurance; establish comprehensive mitigation program for retrofitting insurable homes.

An Act To Create The "strengthen Mississippi Homes Act" To Establish A Comprehensive Mitigation Program In The Mississippi Department Of Insurance For Retrofitting Insurable Homes; To Amend Section 83-1-191, Mississippi Code Of 1972, To Rename The "comprehensive Hurricane Damage Mitigation Program" To The "strengthen Mississippi Homes Program"; To Establish Criteria For The New Program; To Include Hurricane, Tornado, Hail, Or Other Catastrophic Windstorm Event Mitigation; To Establish An Advisory Council; To Provide For Operational Reports To Be Submitted To The Governor And The Legislature; To Increase The Amounts Of Financial Grants Offered By The Strengthen Mississippi Homes Program To $10,000.00 Per Home And To Allow The Mississippi Department Of Insurance To Establish Criteria For The Issuing Of Grants By Regulation; To Provide That Grants Shall Be Subject To Appropriation; To Rename The "comprehensive Hurricane Damage Mitigation Program Fund" To The "strengthen Mississippi Homes Fund"; To Remove The Repealer; To Amend Section 83-5-73, Mississippi Code Of 1972, To Increase The Fee Charged For An Agent's Certificate Of Authority; And For Other Related Purposes.

Bill Details

State Mississippi

Session 2026 Regular Session

Chamber Senate

Official Source billstatus.ls.state.ms.us/2026/pdf/history...

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Action History

2026-04-06 H Enrolled Bill Signed 2026-04-06 S Enrolled Bill Signed 2026-04-01 S Unanimous Consent Granted 2026-04-01 S Conference Report Adopted 2026-04-01 H Conference Report Adopted 2026-04-01 H Unanimous Consent Granted 2026-03-31 S Conference Report Filed 2026-03-31 H Conference Report Filed 2026-03-31 H Recommitted For Further Conf 2026-03-31 S Recommitted For Further Conf 2026-03-30 H Conference Report Filed 2026-03-30 S Conference Report Filed 2026-03-19 H Conferees Named Turner,Ford (54th),Zuber 2026-03-17 S Conferees Named Michel,DeLano,Kirby 2026-03-11 S Decline to Concur/Invite Conf 2026-03-05 H Returned For Concurrence 2026-03-04 H Passed As Amended 2026-03-04 H Amended 2026-03-03 H Title Suff Do Pass As Amended 2026-03-03 H DR - TSDPAA: AC To IN 2026-03-03 H DR - TSDPAA: IN To AC 2026-02-13 H Referred To Insurance;Accountability, Efficiency, Transparency 2026-02-11 S Transmitted To House 2026-02-10 S Passed 2026-02-03 S Title Suff Do Pass 2026-01-19 S Referred To Insurance

Votes

2026-02-10 Senate Passed Yea: 52 Nay: 0 2026-03-04 House Passed As Amended Yea: 116 Nay: 1 2026-04-01 House Conference Report Adopted Yea: 121 Nay: 0 2026-04-01 Senate Conference Report Adopted Yea: 52 Nay: 0

Committee Referrals

2026-01-19 S Insurance 2026-02-13 H Insurance

Amendments

0000-00-00 House Committee Amendment No 1

Bill Text Versions

2026-01-19 Introduced 2026-02-11 Engrossed 2026-04-06 Enrolled Legislative data powered by LegiScan (CC BY 4.0)

Named provisions

Strengthen Mississippi Homes Act Section 83-1-191 - Renamed Program Section 83-5-73 - Agent Certificate of Authority Fees Strengthen Mississippi Homes Fund Advisory Council Provisions