Housing Survivors of Major Disasters Act

This bill helps disaster survivors without formal property deeds prove ownership for FEMA aid by expanding acceptable evidence to include mortgage statements, property tax receipts, wills, death certificates, or other documentation showing occupancy or ownership ties. It allows FEMA to consider "constructive ownership" when proof is lacking, prohibits requiring notarized statements, and updates eligibility language from "uninhabitable" to "damaged" by disasters. The law applies to disaster assistance funds appropriated after enactment, directly affecting households seeking housing aid after major disasters. It streamlines access to aid for those with incomplete documentation, such as survivors inheriting property without formal transfers.