Disaster Resiliency and Coverage Act of 2025

The Disaster Resiliency and Coverage Act of 2025 creates a federal program that provides grants to states and tribal governments to help homeowners in high-risk disaster areas make their homes more resilient. The program covers specific mitigation activities like reinforcing roofs, installing flood barriers, and creating fire-resistant features, with a $10,000 per household limit. Homeowners must have an adjusted gross income under $250,000 ($500,000 for joint returns) to qualify. The bill also includes tax benefits, allowing these grant amounts to be excluded from gross income and providing a 30% tax credit for qualifying mitigation expenditures.