Disaster Resiliency and Coverage Act of 2025 | ChamberLight
Bills · HR 1105
IN COMMITTEE· 119TH CONGRESS
House BillHR 1105Emergency Management
Disaster Resiliency and Coverage Act of 2025
INTRO FEB 6· LAST ACTION FEB 6
READING
17MIN
COSPONSORS
62
READER REACTIONS0 TOTAL
NO VOTES YET · BE THE FIRST
Introduced only
LEGISLATIVE PROGRESS
STEP 2 / 8
Introduced
In Committee
Reported
Passed House
Passed Senate
Conference
To President
Became Law
WHAT THE BILL DOES
AI-written
This bill matters because the financial and personal toll of natural disasters is growing, with significant costs for individuals, communities, and federal taxpayers. Currently, much of the federal response focuses on providing aid and rebuilding *after* a disaster occurs. This legislation shifts some emphasis to *prevention*, aiming to reduce damage and suffering before disasters strike. By helping homeowners strengthen their properties, the bill seeks to save lives, protect assets, and lessen the massive financial burden of recovery.
If this bill becomes law, it could lead to more resilient homes in disaster-prone areas, potentially resulting in less damage, faster recovery times, and possibly more accessible and affordable homeowner insurance. If it does not pass, the current reactive approach to natural disasters will likely continue, leaving many homeowners vulnerable to increasing risks and facing challenges with rising insurance costs or difficulty obtaining coverage in high-risk zones. Voters should care because it impacts community safety, property values, and how tax dollars are allocated between proactive preparation and reactive recovery.
KEY PROVISIONS
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PROVISION 01
Requires the President to establish an "Individual Household Disaster Mitigation Program" to provide grants to states and Indian tribal governments.
This creates the central mechanism for federal funding to help homeowners strengthen their properties against disasters.
PROVISION 02
States and tribal governments must submit a plan to receive grants, which includes assessing local insurance markets, listing eligible mitigation activities, and setting criteria for evaluating homeowner applicants.
This ensures a structured, localized, and needs-based approach to distributing funds and identifying effective disaster risk reduction efforts.
PROVISION 03
Establishes an income limit for individual homeowners to qualify for funding: $250,000 for individuals and $500,000 for joint tax returns.
This focuses the program's benefits on households with middle to lower incomes who might otherwise struggle to afford crucial disaster-proofing improvements.
PROVISION 04
Mandates the establishment of mitigation standards for home improvements and requires guidance to encourage insurance providers to offer incentives like discounts or increased coverage choices.
This promotes effective and recognized safety upgrades while potentially making homeowner insurance more accessible and affordable for resilient homes.
PROVISION 05
Requires the President to establish and regularly review (at least every 5 years) eligible disaster areas based on natural hazard risk, consulting with experts.
This ensures that program funding is directed to the most vulnerable areas based on current scientific data and evolving risks.
Referred to the Committee on Ways and Means, and in addition to the Committee on Transportation and Infrastructure, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
INTROREFERRAL
FEB 6
Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.
This bill matters because the financial and personal toll of natural disasters is growing, with significant costs for individuals, communities, and federal taxpayers. Currently, much of the federal response focuses on providing aid and rebuilding *after* a disaster occurs. This legislation shifts some emphasis to *prevention*, aiming to reduce damage and suffering before disasters strike. By helping homeowners strengthen their properties, the bill seeks to save lives, protect assets, and lessen the massive financial burden of recovery.
If this bill becomes law, it could lead to more resilient homes in disaster-prone areas, potentially resulting in less damage, faster recovery times, and possibly more accessible and affordable homeowner insurance. If it does not pass, the current reactive approach to natural disasters will likely continue, leaving many homeowners vulnerable to increasing risks and facing challenges with rising insurance costs or difficulty obtaining coverage in high-risk zones. Voters should care because it impacts community safety, property values, and how tax dollars are allocated between proactive preparation and reactive recovery.
KEY PROVISIONS
AI-extracted
high
Requires the President to establish an "Individual Household Disaster Mitigation Program" to provide grants to states and Indian tribal governments.
This creates the central mechanism for federal funding to help homeowners strengthen their properties against disasters.
med
States and tribal governments must submit a plan to receive grants, which includes assessing local insurance markets, listing eligible mitigation activities, and setting criteria for evaluating homeowner applicants.
This ensures a structured, localized, and needs-based approach to distributing funds and identifying effective disaster risk reduction efforts.
high
Establishes an income limit for individual homeowners to qualify for funding: $250,000 for individuals and $500,000 for joint tax returns.
This focuses the program's benefits on households with middle to lower incomes who might otherwise struggle to afford crucial disaster-proofing improvements.
high
Mandates the establishment of mitigation standards for home improvements and requires guidance to encourage insurance providers to offer incentives like discounts or increased coverage choices.
This promotes effective and recognized safety upgrades while potentially making homeowner insurance more accessible and affordable for resilient homes.
med
Requires the President to establish and regularly review (at least every 5 years) eligible disaster areas based on natural hazard risk, consulting with experts.
This ensures that program funding is directed to the most vulnerable areas based on current scientific data and evolving risks.
Review and update the eligible disaster areas that the President determines to be at risk of a natural hazard, including a description of the type and severity of each potential natural disaster affecting each such risk area.
GLOSSARY
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Robert T. Stafford Disaster Relief and Emergency Assistance Act (Stafford Act)
A federal law that organizes how the U.S. government provides disaster and emergency assistance to states and local governments when a major disaster or emergency is declared.
Mitigation activities
Actions taken to reduce or lessen the long-term risk to human life and property from hazards, such as reinforcing a roof to withstand high winds or elevating a home to prevent flood damage.
Major disaster
Any natural catastrophe (like a hurricane, flood, wildfire, or earthquake) or other event that causes severe damage, loss, or hardship and is officially declared by the President to warrant federal assistance.
Indian tribal government
The governing body of any federally recognized American Indian or Alaska Native tribe, band, nation, or community.
Adjusted gross income (AGI)
A person's total income before certain deductions, used to determine eligibility for various tax benefits and programs.
Community Disaster Resilience Zone
A specific geographic area designated by the federal government as being particularly vulnerable to natural disasters, where efforts are prioritized to improve resilience and reduce risk.
ACTION TIMELINE
3 EVENTS
FEB 6, 25
Introduced in House
INTROREFERRAL
FEB 6, 25
Referred to the Committee on Ways and Means, and in addition to the Committee on Transportation and Infrastructure, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
INTROREFERRAL
FEB 6, 25
Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.
State-created insurance programs that serve as a last resort for individuals or businesses that cannot obtain coverage in the standard private insurance market, often because they are considered too high-risk.
Actuarially supported favorable pricing
Insurance rates or benefits that are determined by statistical analysis of risk, where lower risk (e.g., from disaster mitigation efforts) leads to lower prices or better coverage options.
