NH SB565

Requires the Insurance Commissioner to develop consumer information and reports on insurance risks from extreme weather events including extreme precipitation, storm surge, coastal flooding, high winds, hurricanes, and hail, with the first report due January 1, 2028, and every 5 years thereafter

Adds promotion of "fortified home and commercial standards" and mitigation/resiliency programs as a purpose of property and casualty insurance regulation, requiring insurers to give due consideration to these standards when setting rates

Defines "fortified home and commercial standards" as measures to reduce loss from extreme weather, developed by the commissioner with reference to science-based standards from national insurance organizations

Requires the commissioner to consult FEMA flood maps, the National Flood Insurance Program, New Hampshire coastal viewer, and other mapping tools to identify areas at present and future risk of insurance coverage loss or premium increases

Expands the definition of "place" or "area of residence" for unfair insurance practices to include areas with projected increases in extreme weather conditions, and takes effect January 1, 2027