H.R. 1105 119th Congress House

Disaster Resiliency and Coverage Act of 2025

Official title: To amend the Robert T. Stafford Disaster Relief and Emergency Assistance Act to require the President to establish an individual household disaster mitigation program, and for other purposes.

Introduced: February 6, 2025 Introduced by: Mike Thompson Democratic · California See on congress.gov

Emergency Management

Everywhere this bill has been 3 steps

Introduced

In committee

Reported out

Passed House

Passed Senate

To President

Became law

Feb 6, 2025

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.

Feb 6, 2025

Introduced in House

Feb 6, 2025

Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.

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What's happening now February 6, 2025

Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.

Plain-English summary Congressional Research Service

Disaster Resiliency and Coverage Act of 2025

This bill establishes a grant program for certain hazard mitigation measures for homes in disaster risk areas and provides a tax credit for up to 30% of expenditures on such mitigation measures. It also excludes from taxable income certain payments for residential hazard mitigation and federal emergency agricultural assistance.

The bill requires the Federal Emergency Management Agency (FEMA) to award grants to states and Indian tribal governments for specified hazard mitigation activities on residential properties at a high risk of experiencing a major disaster. FEMA must establish and periodically update disaster risk areas in which homes are eligible for the grant funding. Individual residential households, subject to certain income limitations, may receive up to $10,000 (adjusted for inflation) for eligible hazard mitigation activities, such as reinforcing a roof, installing a flood control system, or reducing flammable vegetation near the home. The bill also provides an income tax credit to individuals and businesses for up to 30% of expenditures on the specified residential mitigation activities eligible under the grant program.

Additionally, under current law, payments for disaster relief and payments under federal hazard mitigation programs are excluded from taxable income. The bill specifically excludes from taxable income payments to an individual for hazard mitigation improvements to their residence under any program established or administered by a state or local government. The bill also excludes certain federal emergency and disaster agricultural assistance from taxable income as a type of disaster relief payment.

Bill text 1 version

Introduced in House Formatted Text PDF Formatted XML

Source documents hosted by congress.gov.

Committees of jurisdiction 3

Economic Development, Public Buildings, and Emergency Management Subcommittee
House of Representatives · subcommittee of Transportation and Infrastructure Committee
Transportation and Infrastructure Committee
House of Representatives
Ways and Means Committee
House of Representatives

Lobbying activity 85

Registered lobbyists who named this bill in their disclosure filings. Source: federal Lobbying Disclosure Act filings.

NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES
for NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES · District of Columbia · 3rd Quarter 2026 (July 1 - Sep 30)
AMERICAN PROPERTY CASUALTY INSURANCE ASSOCIATION FKA PROPERTY CASUALTY INSURERS ASSOC. OF AMERICA
for AMERICAN PROPERTY CASUALTY INSURANCE ASSOCIATION · District of Columbia · 3rd Quarter 2026 (July 1 - Sep 30)
NATIONAL ASSOCIATION OF REALTORS
for NATIONAL ASSOCIATION OF REALTORS · District of Columbia · 3rd Quarter 2026 (July 1 - Sep 30)
NATIONAL ASSOCIATION OF HOME BUILDERS
for NATIONAL ASSOCIATION OF HOME BUILDERS · District of Columbia · 3rd Quarter 2026 (July 1 - Sep 30)
CALIFORNIA ASSOCIATION OF REALTORS
for CALIFORNIA ASSOCIATION OF REALTORS · California · 3rd Quarter 2026 (July 1 - Sep 30)
REINSURANCE ASSN OF AMERICA
for REINSURANCE ASSN OF AMERICA · District of Columbia · 3rd Quarter 2026 (July 1 - Sep 30)

Bodies those filers lobbied

HOUSE OF REPRESENTATIVES
85 filings
SENATE
85 filings
Treasury, Dept of
46 filings
Federal Housing Finance Agency (FHFA)
32 filings
Federal Emergency Management Agency (FEMA)
24 filings
Homeland Security, Dept of (DHS)
22 filings
White House Office
22 filings
Agriculture, Dept of (USDA)
21 filings

A filing lists the bills it worked on and the parts of government it contacted in separate sections, so these are the bodies those filers named anywhere in the filing, not a per-bill breakdown.

See all 85 filings →

Cosponsors 63