Housing (Emergency Management)

This bill creates a single online application system for all federal disaster assistance programs, replacing multiple separate applications. It requires FEMA to establish a unified platform by 360 days after enactment, allowing survivors to apply once for aid like housing, small business loans, or food benefits, track their application status, and receive updates. The system mandates data security standards and allows FEMA to waive certain paperwork rules during disasters while requiring transparency through public notices. This directly affects disaster survivors seeking aid and federal/state agencies administering disaster assistance programs.

Disaster Housing Reform for American Families Act This bill requires the Federal Emergency Management Agency (FEMA) to establish a five-year pilot program under the Individuals and Households Program (IHP) through which FEMA contracts to provide factory-built housing to serve disaster survivors until the disaster declaration terminates and then be utilized for affordable housing. It also authorizes FEMA to provide IHP grants for closing costs associated with obtaining certain mortgages.  Specifically, FEMA must enter into a contract with a producer or seller of manufactured or modular homes to construct such housing as a type of temporary housing assistance under IHP. The bill requires the housing to meet specified criteria, including that it must be available within 90 days (unless extended to 120 days) after the disaster declaration, have no more than four units, and provide a minimum level of protection from natural hazards. The housing must conform to various specified standards, but the bill authorizes the Department of Housing and Urban Development to waive any such requirement for construction under the pilot program. Also, the bill requires FEMA to establish guidelines for transferring the housing to an affordable housing program after the termination of the relevant disaster declaration. However, the bill also authorizes it to become permanent housing after the declaration terminates. In addition, the bill authorizes FEMA to provide IHP grants to disaster-impacted individuals or households purchasing residential property for closing costs associated with obtaining a mortgage from a federal program providing affordable financing options.

# Summary of Proposed FEMA Reform Legislation (FEMA Act of 2025) This comprehensive legislative document proposes significant reforms to the Robert T. Stafford Disaster Relief and Emergency Assistance Act, with four main sections addressing: ## 1. Disaster Assistance Reforms - **Expanded eligibility** for assistance, including clarifying that absence of a fixed address doesn't disqualify individuals from sheltering assistance - **Improved rental assistance** with consideration of local post-disaster rent increases - **Direct assistance** for those unable to use financial assistance, with no requirement to show other assistance can cover costs (except insurance) - **Enhanced notices** for applicants, including documentation of denial decisions - **Clarification of displacement assistance** eligibility, stating insurance shouldn't be considered a duplication of benefits ## 2. Mitigation Program Enhancements - **Preapproved project mitigation plans** requiring states to develop plans with peer review processes - **Improved allocation of funds** with formulas prioritizing vulnerable communities, high-risk areas, and rural/economically distressed communities - **Resilient buildings** requirements for housing retrofits using the latest building codes - **Streamlined application processes** for hazard mitigation funds across multiple programs - **Study on mitigation benefits** to evaluate cost savings and effectiveness ## 3. Transparency and Accountability Measures - **Public dashboards** for both individual assistance (431) and public assistance (432) showing application status, approvals, denials, and funding - **Transparency requirements** for disaster declarations with detailed justifications for approvals/denials - **GAO studies** on numerous topics including: - Identity theft in disaster assistance (409) - Insurance utilization for public assistance facilities (410) - Wildfire management plans (411) - Effectiveness of alerting systems (412) - Cost savings of repair/rebuilding reforms (415) - **Prohibition on political discrimination** in assistance distribution ## 4. Workforce and Operational Improvements - **Study on workforce retention** in noncontiguous communities - **Pilot program** for preliminary damage assessments in remote communities - **Fast-moving disasters working group** to develop best practices for rapid response The legislation focuses on improving efficiency, transparency, and effectiveness of disaster relief programs while prioritizing vulnerable populations and communities with higher risk of disasters. It also emphasizes data-driven decision making through required studies and reports to continuously improve disaster management policies.

HR 5085 exempts federal agencies from conducting environmental reviews under the National Environmental Policy Act (NEPA) for infill housing projects that meet specific criteria. These projects must be located on previously developed urban sites (under 20 acres, with 75% urban adjacency), pass required environmental assessments, and avoid high-risk wildfire/flood zones per FEMA data. The bill also shortens FEMA’s natural hazard risk assessment update cycle from every 5 to every 3 years. This directly affects federal agencies approving housing developments and developers seeking streamlined project approvals.

This bill creates a 3-year pilot program (2025-2028) using up to 10% of existing disaster relief funds to help low-income homeowners in disaster-prone areas make resilience upgrades to their homes. It funds specific retrofits like floodproofing, seismic upgrades, wildfire mitigation, and hurricane-resistant roofing to reduce damage from natural disasters. The program requires states to prioritize financially needy homeowners and mandates a detailed report by 2029 on outcomes, including homes retrofitted, costs, and avoided disaster costs. It applies only to funds appropriated after the bill's enactment.

This bill creates a FEMA program providing income-based discounts to make flood insurance more affordable for qualifying policyholders. It caps annual premiums at 1% of a household's area median income for primary residences, small businesses (under 100 employees), and non-profits meeting hardship criteria. The program is funded by $250 million annually (with 95% required spending), and requires FEMA to implement monthly premium payments within 180 days. It directly affects millions of flood insurance policyholders in high-risk areas who struggle with current costs.

This bill amends the 1937 Housing Act to reduce rent for public housing families where at least one member is a full-time police officer, firefighter, or emergency medical technician (EMT) employed by government. It requires these families to pay the higher of 5% of their gross monthly income or 15% of their adjusted income - lower than standard public housing rent calculations. Eligibility is limited to those working full-time for federal, state, local, or tribal government agencies (including public housing police forces). The change directly affects qualifying first responder families living in federally assisted public housing units.