The start of New York state’s legislative session is traditionally a time when lawmakers revisit bills that didn’t cross the finish line the previous year. It’s also when they refine previously passed laws through a process called chapter amendments. This process is well underway in the 2025 session.
One notable chapter amendment passed by the Legislature on Feb. 6, 2025 directly impacts insurance agents and homeowners along the Hudson River. A.425 / S.771, sponsored by Assemblyman Steve Otis, D-91, and Sen. Shelley Mayer, D-37, expands eligibility for the Coastal Market Assistance Program, which should allow more properties to qualify for coverage.
C-MAP background
C-MAP serves as a lifeline for homeowners in high-risk coastal areas across New York state, helping them secure insurance coverage when traditional options are limited or unavailable. However, before 2024, only properties along saltwater coasts were eligible—despite homes along freshwater coasts facing similar risks.
Last session, lawmakers addressed this gap by expanding C-MAP to include properties along Lake Erie, Lake Ontario, the Saint Lawrence River and the Niagara River—this expansion was strongly supported by PIANY.
What the amendment means
The latest amendment further expands C-MAP by including properties within one mile of the Hudson River’s shoreline. This marks a significant step in recognizing the vulnerabilities of inland and freshwater properties, which are increasingly at risk due to flooding and extreme weather.
This change reflects a broader understanding of risk—particularly as climate change alters water levels and intensifies storms. Importantly, eligibility remains based on distance from the mean high-water line, ensuring that coverage adapts to the shifting nature of shorelines.
Implications for property owners and insurance agents
For Hudson River property owners. This expansion provides a much-needed safety net, offering access to insurance solutions that previously were unavailable or unaffordable. Given the increasing risks of flooding, this change could significantly improve financial security for many homeowners.
For insurance agents and brokers. The amendment presents an opportunity to assist a broader client base. With more properties now eligible for C-MAP, agents can help homeowners navigate their insurance options and secure coverage that meets their specific needs. This change also highlights the importance of staying informed about legislative updates that shape the insurance market.
Final thoughts
The expansion of C-MAP to include Hudson River properties is a crucial step in addressing the evolving risks faced by homeowners in New York state. As climate patterns shift, legislative actions like this ensure that insurance options remain accessible and adaptable.
For homeowners, this amendment means greater protection against financial loss. For insurance professionals, it reinforces the need to stay proactive in guiding clients through an ever-changing market.
Bradford J. Lachut, Esq.
Bradford J. Lachut, Esq., joined PIA as government affairs counsel for the Government & Industry Affairs Department in 2012 and then, after a four-month leave, he returned to the association in 2018 as director of government & industry affairs responsible for all legal, government relations and insurance industry liaison programs for the five state associations. Prior to PIA, Brad worked as an attorney for Steven J. Baum PC, in Amherst, and as an associate attorney for the law office of James Morris in Buffalo. He also spent time serving as senior manager of government affairs as the Buffalo Niagara Partnership, a chamber of commerce serving the Buffalo, N.Y., region, his hometown. He received his juris doctorate from Buffalo Law School and his Bachelor of Science degree in Government and Politics from Utica College, Utica, N.Y. Brad is an active Mason and Shriner.
