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SB154 • 2026

INSURANCE COVERAGE FOR WILDFIRE & FLOODS

INSURANCE COVERAGE FOR WILDFIRE & FLOODS

Did Not Pass

The latest official action shows that this bill did not move forward in that session.

Sponsor
Representative Christine Chandler, Senator Katy M. Duhigg, Representative Anita Gonzales
Last action
Official status
[3] SCC/SCONC/STBTC-SCC [5]germane-SCONC [7] DP-STBTC API.
Effective date
Not listed

Plain English Breakdown

Using official source text because the generated explanation was unavailable or could not be confirmed against the official bill text.

INSURANCE COVERAGE FOR WILDFIRE & FLOODS

INSURANCE COVERAGE FOR WILDFIRE & FLOODS

What This Bill Does

  • INSURANCE COVERAGE FOR WILDFIRE & FLOODS

Limits and Unknowns

  • This entry is temporarily using official source text because the generated explanation could not be confirmed against the official bill text during the last sync.

Bill History

  1. 2026-02-05 New Mexico Legislature

    SCONC: Reported by committee with Do Pass recommendation

  2. 2026-01-30 New Mexico Legislature

    SCC: Reported by committee to fall within the purview of a 30 day session

  3. 2026-01-26 New Mexico Legislature

    Sent to SCC - Referrals: SCC/SCONC/STBTC

  4. New Mexico Legislature

    Action Postponed Indefinitely

Official Summary Text

INSURANCE COVERAGE FOR WILDFIRE & FLOODS

Current Bill Text

Read the full stored bill text 
SB0154

SENATE BILL 154

57th legislature - STATE OF NEW MEXICO - second session, 2026

INTRODUCED BY

Katy M. Duhigg
and
Christine Chandler
and
Anita Gonzales

AN ACT

RELATING TO INSURANCE; ENACTING A NEW SECTION OF THE NEW MEXICO
INSURANCE CODE TO REQUIRE THAT COVERAGE FOR LOSS FROM A
WILDFIRE INCLUDE COVERAGE FOR LOSS FROM RELATED FLOOD DAMAGE.

BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF NEW MEXICO:

SECTION 1.
A new section of Chapter 59A, Article 18 NMSA
1978 is enacted to read:

"[
NEW MATERIAL
] PROPERTY INSURANCE--LOSS FROM WILDFIRE--COVERAGE.--When a policy covers damage from a wildfire as a
covered loss, the policy shall include damage from related
flooding and flood damage, including damage from landslides,
debris flows, mudflows, mudslides or other similar events, as
covered losses for five years after the wildfire is
controlled."

SECTION 2.
APPLICABILITY.--The provisions of this act
apply to policies issued on or after July 1, 2026.

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