National Climate Resilience & Fire Safety Reinsurance Act
Fix the insurance crisis. Charge polluters. Give families a dividend check. Make homes fire-safe. Everyone wins—especially Californians who can't find coverage.
🔥 What Does This Bill Do?
Insurance companies are LEAVING California because of wildfires. Families can't protect their homes! This bill creates a federal backup for insurance companies (so they stay), charges a fee on fossil fuels (polluters pay), sends 75% of that money BACK to every American family as a quarterly check, and makes homes fire-safe. The bottom 60% of families actually MAKE money from this deal!
🚨 The Insurance Crisis
🏛️ Four Big Solutions
Federal Reinsurance
Backup for insurance companies so they stay and cover your home
Carbon Fee
Polluters pay $30-150/ton. Funds the whole program.
Family Dividend
75% returned to families quarterly. Bottom 60% come out ahead!
Fire-Safe Homes
Zone Zero standard. Ember-resistant. 15%+ premium discount.
🛡️ Fire Safety Reinsurance Facility
Insurance companies get a federal backup—but ONLY if they keep covering homes in fire zones!
📊 The 85% Rule
Insurers must write policies in high-risk zones at 85% of their statewide market share. No more cherry-picking safe areas!
💰 $10B Trigger
When industry wildfire losses exceed $10 billion/year, federal backup kicks in. Government pays 90% above threshold.
✅ Guaranteed Coverage
If your home meets the Fire-Hardened Standard, insurers MUST offer coverage. Can't decline just for location!
🏷️ Premium Discounts
Fire-hardened homes get at least 15% off their insurance premium. Safety pays!
🏭 Carbon Fee: Polluters Pay
A fee on fossil fuels at the source—coal mines, oil wells, gas pipelines. Starts low, rises over time.
💵 Climate Dividend: 75% Back to Families
Most of the carbon fee goes STRAIGHT BACK to American families. Quarterly checks. Tax-free!
Year 1
Family of 4 per year
Year 5
Family of 4 per year
Year 10
Family of 4 per year
At Cap
Family of 4 per year
💰 Bottom 60% Come Out AHEAD!
Lower-income families use less energy but get the same dividend. They receive MORE than they pay in higher prices. Carbon pricing becomes PROGRESSIVE—helping working families!
🏠 Fire-Hardened Home Standard
Make homes survive wildfires with the Zone Zero approach. Get insurance discounts and guaranteed coverage!
Zone Zero (0-5 feet)
Nothing that burns within 5 feet of your house
Ember-Resistant
Class A roof, enclosed eaves, fire-resistant vents
Defensible Space
Vegetation management within 100 feet
Tempered Windows
Won't shatter from heat or flying embers
⚡ Clean Energy & Worker Transition
5% of carbon fees fund clean energy AND help workers in fossil fuel industries transition to new jobs.
☢️ Nuclear Tax Credits
Bonuses for domestic content, energy communities, Tribal lands, and advanced reactors.
⚡ Grid Modernization
Transmission, storage, smart grid, wildfire-resistant infrastructure, undergrounding.
👷 Worker Support
Training stipend, wage replacement up to 3 years, full COBRA coverage, pension protection.
📊 Where the Money Goes: American Resilience Trust Fund
Every dollar is accounted for. Most goes back to families!
🛡️ Built-In Protections
75% Protected
Household dividend protected even if revenue drops.
No Borrowing
Trust Fund runs only on actual collected revenue.
5% Tribal Set-Aside
Climate adaptation reserved for Tribal nations.
State Opt-Out
No commandeering. States can decline participation.
GAO Reviews
Year 5 implementation, Year 9 comprehensive review.
10-Year Sunset
Expires unless Congress reauthorizes.
🔥 Fix Insurance. Pay Families. Save Homes.
Climate change is making wildfires worse. Insurance companies are fleeing. Families can't protect their homes. This bill fixes ALL of it: federal backup keeps insurers in the market, polluters pay a carbon fee, 75% goes straight back to American families as a dividend check, and fire-safety standards protect lives and homes. The bottom 60% of households come out AHEAD. That's not just fair—that's showing your work.
Gregory Burgess for Congress
No Party Preference • California's 2nd Congressional District
"Show Your Work" Campaign