# Disaster Resiliency and Coverage Act of 2025 - Plain Language Summary

## What This Bill Does

This bill creates a new federal grant program to help homeowners in disaster-prone areas make their homes more resistant to natural disasters like hurricanes, floods, wildfires, and earthquakes. The program would be run by the President (through FEMA and the Federal Insurance Office) and would provide money to states and tribal governments, which would then distribute grants to individual households for disaster-prevention improvements. The goal is to reduce damage from disasters and make homeowner's insurance more available and affordable in high-risk areas.

## Who Benefits and Who Is Affected

The primary beneficiaries would be homeowners in disaster-prone areas, particularly those with lower to moderate incomes. The bill includes an income cap—individuals earning more than $250,000 per year ($500,000 for joint returns) would not be eligible. States and tribal governments would also benefit by receiving federal funds and technical assistance to administer the program. Insurance companies and communities in disaster-prone regions would benefit from reduced claims and more resilient homes.

## Key Provisions

- **Eligible Areas**: The President must identify geographic areas at high risk for specific natural disasters and update these designations every 5 years using current scientific standards
- **State Planning Required**: States must submit plans showing which mitigation activities they'll fund, analyze insurance availability in their areas, and set income-based eligibility criteria
- **Income Limits**: Households with incomes exceeding $250,000 ($500,000 joint) are ineligible
- **Consultation Requirements**: FEMA and insurance regulators must work together to determine which home improvements (like reinforced roofs or flood barriers) are most effective at encouraging insurance availability
- **Community Focus**: Priority consideration given to households in "Community Disaster Resilience Zones"