Bills · HR 4774
IN COMMITTEE· 119TH CONGRESS
House BillHR 4774Emergency Management
Fix Our Flooded Basements Act of 2025
INTRO JUL 25· LAST ACTION JUL 26
READING
4MIN
COSPONSORS
22
READER REACTIONS0 TOTAL
NO VOTES YET · BE THE FIRST
- Introduced only
LEGISLATIVE PROGRESS
STEP 2 / 8Introduced
In Committee
Reported
Passed House
Passed Senate
Conference
To President
Became Law
WHAT THE BILL DOES
AI-writtenThis bill matters because it directly addresses a common and costly problem many Americans face: devastating basement damage from floods. Currently, federal disaster assistance often falls short, leaving homeowners with significant out-of-pocket expenses for repairs, especially for hidden damage like mold or for areas not considered 'livable.' If this bill becomes law, it would provide more comprehensive financial relief, helping families recover faster and more fully after a disaster.
Without this bill, homeowners would continue to face limitations on what federal aid can cover for basement floods, potentially leading to long-term health issues from unaddressed mold or significant financial burdens. By expanding aid for repairs, personal property, and access to more robust flood insurance, the bill aims to reduce the economic strain and health risks associated with flooding, making communities more resilient and ensuring that disaster recovery efforts truly address the full scope of flood damage.
KEY PROVISIONS
5AI-extractedPROVISION 01
Expands federal disaster assistance for flood-damaged basements to cover all parts of the basement, not just rooms used for living, and includes all mold, mildew, and moisture damage.
This ensures more comprehensive aid for all basement damage, addressing a common gap in current disaster relief.
PROVISION 02
Requires assistance for personal property in flood-damaged basements to match or exceed the coverage provided by a Standard Flood Insurance Policy for basements.
This means homeowners will get more help replacing damaged personal items stored in their basements.
PROVISION 03
Broadens eligibility for the Group Flood Insurance Policy (GFIP) to include those previously required to have flood insurance and those living outside special flood hazard areas.
This makes a critical form of flood insurance available to more people, especially those who might not currently have adequate coverage.
PROVISION 04
Expands the coverage of the Group Flood Insurance Policy (GFIP) to match the maximum available under standard policies and specifically includes comprehensive basement repairs, appliances, flooring, and mold damage.
This ensures GFIP provides robust protection for typical basement flood damage, similar to what a more expensive private policy might offer.
PROVISION 05
Excludes the costs of flood prevention measures and premiums for the Group Flood Insurance Policy from the overall cap on federal disaster assistance.
This allows individuals to receive aid for both recovery and future prevention without reducing their maximum assistance for other damages.
SPONSORSHIP
1 + 22
D· Michigan
YRS IN OFFICE
7
BILLS LED
48
COSPONSOR BREAKDOWNBIPARTISAN · 0%
DEM 22 REP 0 IND 0
ACTION TIMELINE
4 EVENTSJUL 26
Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.
JUL 25
Referred to the Committee on Transportation and Infrastructure, and in addition to the Committee on Financial Services, 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.
JUL 23
Sponsor introductory remarks on measure. (CR H3625)
JUL 23
Introduced in House
BILL INFO
TypeHouse Bill
NumberHR 4774
Congress119th
StatusIn Committee
IntroducedJul 25, 2025
Last actionJul 26, 2025
READER REACTIONS
OVERALL SENTIMENT
No reactions yet. Be the first to weigh in.
Discussion
Loading comments...
IN COMMITTEE· 119TH CONGRESS · TRANSPORTATION AND INFRASTRUCTURE COMMITTEE · INTRODUCED JUL 25, 2025
House BillHR 4774Emergency Management
Fix Our Flooded Basements Act of 2025
INTRODUCED JUL 25, 2025· LAST ACTION JUL 26, 2025
PASSAGE CHANCES
—%
READING
4 min
COSPONSORS
22
COMPLEXITY
Moderate
