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Flood Relief: Broader Support for Basements and Flood Insurance

This act aims to make it easier to get financial help after floods, especially for flooded basements. Citizens can expect broader support for repairs and replacement of damaged property, as well as easier access to group flood insurance policies.
Key points
Increased financial assistance for flooded basement repairs, including mold and moisture damage, regardless of impact on home safety.
Assistance for personal property replacement in basements will be equivalent to standard flood insurance policies.
Easier access to group flood insurance policies, even for those outside high-risk flood areas.
Expanded coverage under group flood insurance policies to include basement repairs, including appliances, flooring, and mold remediation.
Costs for mitigation measures and group flood insurance premiums will not count towards the maximum financial assistance amount.
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Introduced
Citizen Poll
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Additional Information
Print number: 119_HR_4774
Sponsor: Rep. Tlaib, Rashida [D-MI-12]
Process start date: 2025-07-25
Lustra uses Artificial Intelligence. Verify details in source documents.
Summarized by: gemini-2.5-flash
Source data: api.congress.gov
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OFFICIAL LEGAL TITLE

Fix Our Flooded Basements Act of 2025

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 119_HR_4774.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2025-07-25.

What are the main provisions?

Key points include:

  • Increased financial assistance for flooded basement repairs, including mold and moisture damage, regardless of impact on home safety.
  • Assistance for personal property replacement in basements will be equivalent to standard flood insurance policies.
  • Easier access to group flood insurance policies, even for those outside high-risk flood areas.
  • Expanded coverage under group flood insurance policies to include basement repairs, including appliances, flooring, and mold remediation.
  • Costs for mitigation measures and group flood insurance premiums will not count towards the maximum financial assistance amount.
What is the specific legal status?

The current status is Introduced.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. Tlaib, Rashida [D-MI-12].

What is the latest detailed status?

The latest detailed status is: Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-23.

CATEGORIES

Benefits Real Estate Environment