Housing (Homelessness · Emergency Management)

The Housing Survivors of Major Disasters Act of 2026 expands disaster relief assistance to individuals who lived in disaster areas but lacked formal proof of ownership or were not renting, including those who were homeless or stayed in temporary accommodations. It allows these eligible households to use federal funds to pay for obtaining property titles, such as costs for land surveys and associated taxes, by accepting a wide range of documents like utility bills, driver's licenses, and school records as evidence of their connection to the property. The bill also requires FEMA to create a simple, non-notarized form for applicants to self-certify their eligibility and mandates that the agency consult with the Department of Housing and Urban Development to coordinate temporary rental assistance programs for displaced residents. Additionally, the legislation amends existing disaster housing rules to focus on ensuring residences are habitable during long-term recovery and permits temporary housing if the President deems it a cost-effective alternative to other solutions.

This bill expands eligibility for FEMA disaster assistance by broadening the types of evidence considered proof of property ownership for survivors without formal deeds. It allows applicants to submit documents like property tax receipts, mortgage records, insurance papers, or even death certificates (in states without will requirements) to demonstrate "constructive ownership" of their home. The bill also permits a simple signed declaration under penalty of perjury - without notarization - to support claims when other evidence is insufficient. These changes apply to disaster assistance funds appropriated after the bill's enactment, directly helping individuals affected by major disasters who lack traditional ownership documentation.