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Congress·In Committee

Congress Proposes Bill to Expand FEMA Disaster Aid for Flooded Basements and Mold Damage

Fix Our Flooded Basements Act of 2025

7 months ago·View on Congress.gov

Legislative Progress

✓ Filed
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House
Senate
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Key Points

  • This bill would change how the government helps homeowners after a flood. Currently, FEMA often limits aid for basements because they aren't always considered main living spaces. This bill would require FEMA to pay for basement repairs and mold cleanup even if the room isn't used as a bedroom or essential living area.
  • Homeowners would receive financial help to replace personal items kept in basements, such as washers, dryers, and furnaces. It also covers the cost of repairing flooring and carpets to help return the basement to the condition it was in before the disaster happened.
  • The bill makes it easier for more people to get Group Flood Insurance. It would allow people who live outside of high-risk flood zones to join the program and ensures that this insurance covers basement damage just as thoroughly as it covers the rest of a house.
  • Money spent on fixing basements or paying for flood insurance premiums would not count toward the normal legal limit on how much disaster aid one person can receive. This ensures that families can get help for their basements without losing out on money needed to fix the upper floors of their homes.
HousingEnergy Environment

Impact Analysis

Scores: 1 = low, 5 = highSentiment: -5 to +5 (net benefit)

State Impacts

Scores: 1 = low, 5 = highSentiment: -5 to +5 (net benefit)

Milestones

3 milestones4 actions
Jul 26, 2025House

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

Jul 25, 2025House

Referred to the Committee on Transportation and Infrastructure, and in addition to the Committee on Financial Services, 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.

Jul 23, 2025

Introduced in House

Jul 23, 2025

Sponsor introductory remarks on measure. (CR H3625)

Related News

3 articles
FOX 2 Detroit·7 months ago

Michigan lawmaker pushes for more disaster aid for flooded basements

Rep. Rashida Tlaib introduced the 'Fix Our Flooded Basements Act' to force FEMA to expand repair coverage for basements. The bill aims to close gaps in federal aid that currently exclude mitigation for sewage and mold, focusing on making homes 'whole' rather than just providing limited cleanups.

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WDET 101.9 FM·7 months ago

New bill aims to reimburse homeowners for flooded basements

The Fix Our Flooded Basements Act seeks to provide federal disaster relief for basements, which FEMA currently does not cover for damage or mold mitigation. The legislation would also expand eligibility for FEMA's group flood insurance policy to include basement backups and moisture damage.

CL=
WXYZ Detroit·7 months ago

New bill would require FEMA to repair flood-damaged basements

Legislation introduced by Rep. Rashida Tlaib would require FEMA to help fix flood-damaged basements, responding to severe flooding in metro Detroit. The bill targets the agency's current policy of excluding basement repairs unless they are considered essential living spaces.

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Source Information

Document Type

Congressional Bill

Official Title

Fix Our Flooded Basements Act of 2025

Bill NumberHR 4774
Congress119th Congress
ChamberHouse of Representatives
Latest ActionReferred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.

Sponsor

Cosponsors

(22)
D: 22

Analysis generated by AI. While we strive for accuracy, this should not be considered legal or professional advice. Always verify information with official government sources.