The KCRAR Public Policy Committee has introduced a Model Insurance Mitigation Ordinance designed to help communities tackle the growing challenge of rising homeowners’ insurance costs and policy nonrenewals.
In recent years, many homeowners have experienced significant premium increases or difficulty maintaining coverage due to aging housing stock, severe weather and higher repair costs. The proposed ordinance offers a proactive, local solution focused on reducing risk and improving long-term housing stability.
At its core, the ordinance encourages “home hardening” improvements—such as impact‑resistant roofs, electrical upgrades, drainage improvements and structural reinforcements—that can lower risk and improve a property’s insurability.
To make these upgrades more attainable, the model framework includes financial assistance options like grants, low‑interest loans and subsidized inspections. These programs are designed to help homeowners identify vulnerabilities and invest in upgrades that can reduce insurance costs over time.
The ordinance also promotes stronger building standards for new construction and major renovations, helping ensure homes are more resilient moving forward. In addition, it calls for coordination across local agencies and the creation of a task force to monitor trends, evaluate program effectiveness and recommend ongoing improvements.
“By combining education, financial support and smarter building practices, I believe this new model ordinance will provide communities with a valuable tool to address insurance challenges while strengthening neighborhoods,” said KCRAR Senior Vice President of Government Affairs, James Toy.
