Congress·In Committee·H.R. 1593

Congress moves to protect disaster housing help even for people who have insurance

Disaster Displacement Assistance Improvement Act of 2025

about 1 year ago·View on Congress.gov

⏸

Stalled

No legislative action in over 90 days.

Legislative Progress

House

Senate

President

Law

Key Points

Would stop the President from treating a person’s insurance as a “double payment” when deciding if they qualify for disaster displacement help.
This is about short-term housing support after a disaster, like staying in a hotel or motel, staying with family or friends, or other housing options.
Goal: make it easier for people who are forced out of their homes to get temporary housing help even if they also have insurance coverage.
People most affected would be disaster survivors who have insurance but still face immediate housing costs or delays getting insurance money.
If passed, it could reduce situations where families are denied temporary housing help just because they carry insurance.

HousingConsumer ProtectionInfrastructure

Impact Analysis

Personal Impact

How this policy affects specific groups of people

Mixed Impacts(2)

Child Tax Credit

Neutral

Federal Employee

Neutral

Positive Impacts(3)

Housing Assistance

Helps

Homeowner

Helps

Renter

Helps

Milestones

3 milestones3 actions

Feb 26, 2025House

Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.

Feb 26, 2025House

Referred to the House Committee on Transportation and Infrastructure.

Feb 26, 2025

Introduced in House

What Happens Next

Projected impacts based on AI analysis

After the bill becomes law (likely weeks to a few months)

FEMA updates rules and guidance so insurance is not treated as a reason to deny or reduce displacement assistance.

If you’re displaced after a federally declared disaster, your insurance status should be less likely to block you from getting help for a hotel or other short-term housing.