Rep. Thompson Introduces Bipartisan Bill to Give Homeowners $10,000 for Disaster Repairs
This bill is currently in the early stages of the legislative process and is being reviewed by House committees. It was recently sent to a subcommittee for further study. There are no upcoming votes scheduled at this time.
The bill has broad bipartisan support from a large group of representatives, but it must pass through multiple committees before it can be voted on by the full House.
This bill’s path across every version that has carried it.
Reintroduced
Reintroduced from H.R. 7849 (118th), which died when its Congress ended.
H.R. 7849 (118th) →Scores run from -100 (strongly harmful) to +100 (strongly beneficial) for each group, combining impact, certainty, scope, and duration ratings of 1-5. How impact scoring works
The bill is mostly aimed at homeowners and property owners, since the grants go to "individual residential households" and the tax credit applies to property "owned or leased by the taxpayer." Renters might benefit indirectly if their landlords make disaster mitigation upgrades, but the bill does not directly put money in renters' hands for home improvements they cannot make on their own.
“an amount equal to 30 percent of the expenditures paid for qualifying mitigation activities paid or incurred by the taxpayer during such taxable year with respect to real property owned or leased by the taxpayer.”
Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.
Sent to a congressional committee for expert review. The committee decides whether this bill moves forward.
Referred to the Committee on Ways and Means, and in addition to the Committee on Transportation and Infrastructure, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Sent to a congressional committee for expert review. The committee decides whether this bill moves forward.
Introduced in House
The bill was officially filed and given a number. It now enters the legislative queue.
Introduced by Reps. LaMalfa and Thompson, the Disaster Resiliency and Coverage Act of 2025 provides $10,000 grants and a 30% tax credit for homeowners to harden properties against wildfires. The bill aims to stabilize the insurance market by reducing physical risks to homes.
The bipartisan legislation establishes a grant program for households in disaster-prone regions to receive up to $10,000 for hazard mitigation. It also offers a 30% tax credit for larger projects and ensures that grant funds are not treated as taxable income by the federal government.
As California's insurer of last resort faces a multi-billion dollar shortfall, federal lawmakers are pushing the Disaster Resiliency and Coverage Act. The bill would provide financial incentives for home hardening to lure private insurers back to high-risk markets.
No votes or related bills recorded for this bill yet.
Document Type
Congressional Bill
Official Title
Disaster Resiliency and Coverage Act of 2025
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