H.R.1105 - Disaster Resiliency and Coverage Act of 2025 (119th Congress)
Summary
H.R.1105, the Disaster Resiliency and Coverage Act of 2025, aims to amend the Robert T. Stafford Disaster Relief and Emergency Assistance Act. The bill mandates the President to establish an individual household disaster mitigation program, offering grants to states and tribal governments for pre-disaster mitigation activities on at-risk residential households. It also includes provisions for tax exclusions related to disaster mitigation and agricultural assistance.
Expected Effects
The bill's enactment would lead to the creation of a federal program providing financial assistance for disaster mitigation at the household level. This would likely result in increased resilience of homes in disaster-prone areas and potentially reduce the financial burden on individuals and the government following major disasters. The tax provisions could incentivize further mitigation efforts.
Potential Benefits
- Provides financial assistance to homeowners for disaster mitigation.
- Encourages proactive measures to reduce disaster damage.
- Potentially lowers insurance costs for homeowners in high-risk areas.
- Supports the development of multi-tiered mitigation standards.
- Offers tax benefits for disaster mitigation expenditures.
Potential Disadvantages
- The program's effectiveness depends on the efficient administration and distribution of grants.
- The income limitations may exclude some homeowners who could benefit from the program.
- The establishment of eligible disaster areas could be subject to political influence.
- The program's cost and long-term financial sustainability are uncertain.
- There may be challenges in coordinating with existing state and federal disaster relief programs.
Constitutional Alignment
The bill aligns with the General Welfare Clause (Article I, Section 8) by promoting the safety and well-being of citizens through disaster mitigation. The establishment of a federal program and the appropriation of funds for disaster relief fall within the powers granted to Congress. The bill does not appear to infringe upon any specific constitutional rights or limitations.
Impact Assessment: Things You Care About ⓘ
This action has been evaluated across 19 key areas that matter to you. Scores range from 1 (highly disadvantageous) to 5 (highly beneficial).