SJR22 Alabama 2014 Session

Updated Feb 27, 2026

Notable

Summary

Primary Sponsor: Bill Hightower
Republican
Co-Sponsors: Trip Pittman Rusty Glover
Session: Regular Session 2014
Title: Coastal areas, reinsurance supported
Summary: A Senate Joint Resolution urging study and consideration of forming an interstate reinsurance coastal band to lower flood insurance costs for Alabama's coastal communities.
What This Bill Does
It calls for studying and considering the creation of an Interstate Re-Insurance Coastal Band or re-insurance entity to help reduce insurance costs. It notes that rising premiums are driven by federal policy changes and flood mapping, and suggests funding the band with premiums rather than taxes, targeting Alabama's coastal counties. It involves cooperation among Gulf Coast counties, the Alabama Department of Insurance, and the Alabama Executive Office, and states that support resolutions do not commit to final findings or spending.

Who It Affects
Coastal property owners and residents in Alabama (particularly in Baldwin and Mobile Counties) who could benefit from potentially lower flood and homeowners insurance costs if the reinsurance band is formed.
Gulf Coast counties' governments and Alabama state agencies (Department of Insurance and the Alabama Executive Office) that would study, advocate for, and potentially implement the interstate reinsurance concept.

Key Provisions
Urges the study and consideration of forming an Interstate Re-Insurance Coastal Band and/or re-insurance entity.
Describes the coastal band as being funded by premiums rather than taxes and aimed at Alabama's coastal counties.
Identifies the Gulf Coast counties in Alabama, the Alabama Department of Insurance, and the Alabama Executive Office as parties to explore the formation.
Explicitly states that resolutions of support do not commit counties, parishes, commonwealths, or municipalities to final findings or expenditures.

AI-generated summary using openai/gpt-5-nano on Feb 25, 2026. May contain errors — refer to the official bill text for accuracy.
Subjects: Resolutions, Legislative