---
type: "Bill"
title: "Mississippi Department of Insurance; establish comprehensive mitigation program for retrofitting insurable homes."
description: "Mississippi Department of Insurance; establish comprehensive mitigation program for retrofitting insurable homes."
jurisdiction: "us/states/ms"
legislature: "Mississippi Legislature"
session: "2026"
identifier: "SB 2409"
citation: "Mississippi SB 2409 (2026)"
classification: ["bill"]
subjects: ["Accountability", "Efficiency", "Transparency", "Insurance"]
status: "enacted"
primary_sponsors: ["Michel"]
version_count: 5
action_count: 27
vote_count: 4
first_action: "2026-01-19T06:00:00+00:00"
last_action: "2026-04-09T05:00:00+00:00"
source: "openstates"
source_identifier: "ocd-bill/1b63069b-0705-441a-a7f1-6fc9425ed9d3"
source_url: "http://billstatus.ls.state.ms.us/2026/pdf/House_authors/Carter.xml"
source_hash: "bb79bb5efcf30ba33ea65a74dd38fff4e0de8c42cd7a2042774cd44da9c778d1"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-ms"]
---

# Mississippi SB 2409 (2026) — Mississippi Department of Insurance; establish comprehensive mitigation program for retrofitting insurable homes.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **As Introduced** (filed) — [source](http://billstatus.ls.state.ms.us/documents/2026/html/SB/2400-2499/SB2409IN.htm)
2. **Amendment Report for Senate Bill No. 2409** (committee substitute) — [source](http://billstatus.ls.state.ms.us/documents/2026/pdf/ham/Amendment_Report_for_SB2409.pdf)
3. **As Passed the upper** (committee substitute) — [source](http://billstatus.ls.state.ms.us/documents/2026/html/SB/2400-2499/SB2409PS.htm)
4. **Committee Amendment No 1 (Adopted) (Voice Vote)** (committee substitute) — [source](http://billstatus.ls.state.ms.us/documents/2026/pdf/ham/SB2409_H_Cmte_Amend_01.pdf)
5. **Current version** (committee substitute) — [source](http://billstatus.ls.state.ms.us/documents/2026/html/SB/2400-2499/SB2409SG.htm)

## Votes

- Passage — **52–0** (pass) · upper
- Passage as Amended — **116–1** (pass) · lower
- Adopt Conference Report — **52–0** (pass) · upper
- Adopt Conference Report — **121–0** (pass) · lower

## Sponsors

- Michel — primary (person)
- Carter — cosponsor (person)
- DeLano — cosponsor (person)
- England — cosponsor (person)
- Kirby — cosponsor (person)
- Seymour — cosponsor (person)
- Thompson — cosponsor (person)
- Younger — cosponsor (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2026-01-19T06:00:00+00:00** Referred To Insurance `referral-committee`
- **2026-02-03T06:00:00+00:00** Title Suff Do Pass `committee-passage`
- **2026-02-10T06:00:00+00:00** Passed `passage`
- **2026-02-11T06:00:00+00:00** Transmitted To House `introduction`
- **2026-02-13T06:00:00+00:00** Referred To Insurance;Accountability, Efficiency, Transparency `referral-committee`
- **2026-03-03T06:00:00+00:00** DR - TSDPAA: IN To AC
- **2026-03-03T06:00:00+00:00** DR - TSDPAA: AC To IN
- **2026-03-03T06:00:00+00:00** Title Suff Do Pass As Amended `committee-passage`
- **2026-03-04T06:00:00+00:00** Amended `amendment-passage`
- **2026-03-04T06:00:00+00:00** Passed As Amended `passage`
- **2026-03-05T06:00:00+00:00** Returned For Concurrence
- **2026-03-11T05:00:00+00:00** Decline to Concur/Invite Conf
- **2026-03-17T05:00:00+00:00** Conferees Named Michel,DeLano,Kirby
- **2026-03-19T05:00:00+00:00** Conferees Named Turner,Ford (54th),Zuber
- **2026-03-30T05:00:00+00:00** Conference Report Filed
- **2026-03-30T05:00:00+00:00** Conference Report Filed
- **2026-03-31T05:00:00+00:00** Recommitted For Further Conf
- **2026-03-31T05:00:00+00:00** Recommitted For Further Conf
- **2026-03-31T05:00:00+00:00** Conference Report Filed
- **2026-03-31T05:00:00+00:00** Conference Report Filed
- **2026-04-01T05:00:00+00:00** Unanimous Consent Granted
- **2026-04-01T05:00:00+00:00** Conference Report Adopted
- **2026-04-01T05:00:00+00:00** Conference Report Adopted
- **2026-04-01T05:00:00+00:00** Unanimous Consent Granted
- **2026-04-06T05:00:00+00:00** Enrolled Bill Signed
- **2026-04-06T05:00:00+00:00** Enrolled Bill Signed
- **2026-04-09T05:00:00+00:00** Approved by Governor `executive-signature`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/1b63069b-0705-441a-a7f1-6fc9425ed9d3`. Confidence: reported (aggregated from official Mississippi legislature records).