Mississippi Windstorm Mitigation Association; establish under Commissioner of Insurance.

SB 2405, the "Make Mississippi Resilient and Strong Act," creates the Mississippi Windstorm Mitigation Association under the Insurance Commissioner to provide grants for retrofitting homes and commercial properties to withstand hurricanes and tornadoes. It directly affects Mississippi homeowners (single-family, site-built, owner-occupied) and commercial property owners who apply for grants up to $15,000 to meet standardized wind-resistance requirements, such as the Insurance Institute’s "fortified roof" certification. The association is funded by mandatory assessments on all property insurers in Mississippi, which can offset these costs against their insurance premiums. The bill requires the association to report annually and operate under the Insurance Commissioner’s supervision, with member insurers gaining immunity for their duties under the program. The bill died in committee on February 4, 2025, and was never enacted.