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Energy and EmergenciesH.R. 4774Not Yet VotedComments

Fix Our Flooded Basements Act of 2025

Official title: To ensure that certain assistance under the Robert T. Stafford Disaster Relief and Emergency Assistance Act is available for flood-damaged basements, and for other purposes.

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Not yet voted on the floor.

Where the Bill Stands

  1. Introduced, done
  2. Committee, current stage
  3. Floor Vote, not yet
  4. Outcome, not yet

What This Bill Does

This bill expands the disaster assistance provided to individuals and households for repairs to and property in flood-damaged basements. It also expands eligibility and coverage for certain group flood insurance.

Under current law, the Individual Assistance (IA) program of the Federal Emergency Management Agency (FEMA) limits home repair assistance for flood-damaged basements to damage affecting the safety, sanitation, or functionality of the home (e.g., structural damage, hazardous conditions). The bill allows home repair assistance for disaster-caused mold, mildew, and moisture damage in basements regardless of whether the damage affects safety, sanitation, or functionality. Additionally, flood-damaged basements are eligible for home repair assistance even when the basement is not required for occupying the dwelling.

Also, currently, IA assistance for flood-damaged personal property in basements is limited to washers, dryers, and property essential for occupying the dwelling. The bill expands IA personal property assistance to more broadly cover property damaged by disaster-caused flooding in basements. The scope of such assistance must at least equal the coverage for such damage by a standard policy under the National Flood Insurance Program (e.g., covering air conditioning units and freezers in basements).

Additionally, FEMA must expand the eligibility and coverage of the group flood insurance it provides to IA recipients, including increasing the maximum coverage and expanding coverage for basements.

The bill also excludes from the maximum for IA housing assistance expenses for (1) hazard mitigation measures in flood-damaged basements, and (2) premiums for group flood insurance policies.

Sponsors

Related Documents

Bill on Congress.govWeb Page ↗ (opens in a new tab)

Timeline

  1. House committee actionsReferred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.
  2. House floor actionsReferred 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.
  3. Introduced
  4. Committee
  5. Library of CongressSponsor introductory remarks on measure. (CR H3625)

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