POLISCOPE
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HR1105FEDERALin_committee
High Impact

Disaster Resiliency and Coverage Act of 2025

February 6, 2025

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Where This Stands

Introduced
Committee
Floor Vote
Passed
Signed

Currently in_committee. The next step in the legislative lifecycle is Floor Vote.

Last action
Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.Feb 6, 2025

Version history

Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.

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The Frame

What this does

If passed, this bill would create a new federal grant program for homeowners in high-risk disaster areas to fund property upgrades, provided their household income is below $250,000 for individuals or $500,000 for joint filers.

Who is mentioned in the record

Potentially affected actors named in the source documents. Mention is not a position.

Homeowners in high-risk disaster areas

They may become eligible for federal grants to fund home improvements intended to reduce disaster damage.

State and Indian tribal governments

They are responsible for submitting plans, managing grant distribution, and establishing public guidance for insurance providers.

Insurance companies

They are expected to work with states to provide incentives, such as discounts, for homeowners who complete mitigation activities.

What changed

Current stage: in_committee.

What's next

Floor Vote.

Summary

This bill proposes a new federal grant program to help individual households pay for home improvements that reduce damage from natural disasters. States and tribal governments would manage the program, using federal funds to help residents in high-risk areas strengthen their homes and potentially lower their insurance costs.

Key Facts

  • The President must establish a grant program for states and Indian tribal governments to fund pre-disaster mitigation activities for individual households.
  • Grants are restricted to households with an adjusted gross income of $250,000 or less for individuals, or $500,000 or less for joint filers.
  • The President must identify and update 'eligible disaster areas' at least every 5 years based on natural hazard risks.
  • States and tribes must submit a plan to the President that includes an assessment of local insurance availability and affordability.
  • FEMA will establish specific mitigation standards for households, potentially using multi-tiered criteria.
  • States and tribes must provide public guidance to insurance providers and consumers regarding incentives for mitigation, such as insurance discounts.
  • Program funds can only be used in areas determined to be at high risk for the specific disaster type being mitigated.
  • The program requires consultation with state insurance regulators, the insurance industry, and consumer/environmental stakeholders.

Frequently Asked Questions

Who is eligible for these grants?
Homeowners in designated high-risk disaster areas with an adjusted gross income of $250,000 or less (individual) or $500,000 or less (joint).
What can the grant money be used for?
The money is for 'qualifying activities'—physical improvements to a home designed to reduce damage from natural disasters.
Will this lower my insurance premiums?
The bill requires states to provide guidance to insurance companies on offering ' benefits' (like discounts) for households that complete these mitigation projects.

Why It Matters

If passed, this bill would create a new federal grant program for homeowners in high-risk disaster areas to fund property upgrades, provided their household income is below $250,000 for individuals or $500,000 for joint filers.

News Coverage

No news coverage found yet. Articles are indexed twice daily.

Lobbying Activity

AARP

$4,110,000

2026

HEALTH ISSUESMEDICARE/MEDICAIDLAW ENFORCEMENT/CRIME/CRIMINAL JUSTICEPHARMACY

P.L. 119-21, One Big Beautiful Bill Act H.R. 8867, Planning for Long-term Aging Needs (PLAN) Act H.R. 5861, Legacy Act of 2025 H.R. 9393, the Lower Costs, More Transparency Act. H.R. 9396, the Prior Authorization Accountability Act. S. 4916, the Aging with Artificial Intelligence Act. H.R. 8100, Safe Staffing Saves Lives Act. S. 3886, Nurses Belong in Nursing Homes Act. H.R. 6766/S. 3492, the Essential Caregivers Act of 2025. H.R. 7966/S. 4118, Hospice Care Accountability, Reform, and Enforcement (Hospice CARE) Act. S. 2120, the Older Americans Act Reauthorization Act of 2025 H.R. 5575, the Firefighters Assisting Seniors to Emergency Response (FASTER) Act of 2025. H.R. 3954/S. 4641, Improving Access to Medicare Coverage Act. H.R.5554/S.2831, Stand Strong for Medicare Act. S. 3439/H.R. 6735, Connecting Caregivers to Medicare Act and efforts related to the bill S. 1227/H.R. 2491, Alleviating Barriers for Caregivers Act S. 668/H.R. 3183, Supporting Access to Falls Education and Prevention and Strengthening Training Efforts and Promoting Safety Initiatives (SAFE STEPS) for Veterans Act of 2025 CMS-1851-P, Hospice Proposed rule. CMS-1843-P, Skilled Nursing Facility Proposed rule. CMS-1844-P, Home Health Proposed rule. No bill number. Health care transparency. No bill number. Discussed use of artificial intelligence and health data technology. No bill number. Discussed health-related policies and activities around the fall respiratory virus season. No bill number. Discussed health insurance affordability proposals. No bill number. Discussed Nursing Home staffing standards, safety, and quality. No bill number. Discussed Nursing home transparency and ownership requirements. No bill number. Discussed home health, hospice, and long-term care. No bill number. Discussed falls prevention. No bill number. Discussed social isolation. No bill number. Discussed HUD Assisted Living Requirements No bill number. Discussed family caregiving. No bill number. Discussed AARP paper on Medicare Caregiver Training Services. No bill number. Discussed Medicaid community engagement interim final rule, including the family caregiver exemption. No bill number. Discussed the paid direct care workforce in long-term care. No bill number. Discussed the unaffordability of long-term care. No bill number. Discussed Money Follows the Person Rebalancing Demonstration Program and Medicaid HCBS spousal impoverishment protections. No bill number. Discussed Medicaid fraud and family caregivers, Medicaid self-direction programs. No bill number. Discussed sandwich generation family caregiver hearing and submitted a statement for the record discussing family caregivers and sandwich generation caregivers, programs that support them, AARP caregiving resources, and federal policies to support sandwich generation caregivers and caregivers more broadly. No bill number. Discussed long-term care. No bill number. CMS-2453-NC; Medicaid Program; 2028 Medicaid Home and Community-Based Services Quality Measure Set Submitted comments No bill number. Discussed expanding access to home care. No bill number. Discussed the increasing cost of home care No bill number. Discussed HSA use for telehealth chronic care management services/subscriptions. No bill number. Discussed artificial intelligence and technology

1607 STRATEGIES, LLC

on behalf of American Property Casualty Insurance Association

2025

INSURANCEBUDGET/APPROPRIATIONSTORTS

Issues relating to the reauthorization of the National Flood Insurance Program and other issues related to flood insurance products. Issues related to the Fair Credit Reporting Act. H.R. 1105, Disaster Resiliency and Coverage Act of 2025, all provisions. Issues related to the California wildfires and disaster response. Issues regarding environmental policies and their consideration by insurers and state insurance regulators.

Sponsors

Discoveries

Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.

policy shift90% confidence

Focus on Insurance Incentives

The bill explicitly links federal mitigation grants to the requirement that states create guidance for insurance companies to offer discounts, attempting to use federal funds to force private market adjustments.

Connected Entities

organizationFederal Emergency Management AgencyResponsible for establishing mitigation standards and administering the program.Map →
organizationFederal Insurance OfficeConsulted for program establishment.Map →
personMr. Thompson of CaliforniaPrimary sponsor of the bill.Map →
otherRobert T. Stafford Disaster Relief and Emergency Assistance ActThe existing law that this bill seeks to amend.Map →

Analysis Score

0–100
  • Significance75
    How much this matters to a regular citizen
  • Controversy20
    Intensity of disagreement among stakeholders
  • Entertainment5
    Compellingness for a non-policy-wonk reader
  • Buzz30
    Current news / social attention level

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