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Fix Our Flooded Basements Act of 2025

8/6/2025, 5:23 AM

Summary of Bill HR 4774

The bill titled H.R. 4774 introduced in the 119th Congress on July 25, 2025, aims to guarantee that specific aid provided under the Robert T. Stafford Disaster Relief and Emergency Assistance Act is accessible for basements damaged by floods. The bill likely includes provisions to ensure financial assistance and support for individuals with flood-affected basements, outlining directives on how such aid is to be allocated and managed.

Congressional Summary of HR 4774

Fix Our Flooded Basements Act of 2025

This bill expands the disaster assistance provided to individuals and households for repairs to and property in flood-damaged basements. It also expands eligibility and coverage for certain group flood insurance.

Under current law, the Individual Assistance (IA) program of the Federal Emergency Management Agency (FEMA) limits home repair assistance for flood-damaged basements to damage affecting the safety, sanitation, or functionality of the home (e.g., structural damage, hazardous conditions). The bill allows home repair assistance for disaster-caused mold, mildew, and moisture damage in basements regardless of whether the damage affects safety, sanitation, or functionality. Additionally, flood-damaged basements are eligible for home repair assistance even when the basement is not required for occupying the dwelling.

Also, currently, IA assistance for flood-damaged personal property in basements is limited to washers, dryers, and property essential for occupying the dwelling. The bill expands IA personal property assistance to more broadly cover property damaged by disaster-caused flooding in basements. The scope of such assistance must at least equal the coverage for such damage by a standard policy under the National Flood Insurance Program (e.g., covering air conditioning units and freezers in basements). 

Additionally, FEMA must expand the eligibility and coverage of the group flood insurance it provides to IA recipients, including increasing the maximum coverage and expanding coverage for basements.

The bill also excludes from the maximum for IA housing assistance expenses for (1) hazard mitigation measures in flood-damaged basements, and (2) premiums for group flood insurance policies.

Read the Full Bill

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Current Status of Bill HR 4774

Bill HR 4774 is currently in the status of Introduced to House since July 25, 2025. Bill HR 4774 was introduced during Congress 119 and was introduced to the House on July 25, 2025.  Bill HR 4774's most recent activity was 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. as of July 25, 2025

Bipartisan Support of Bill HR 4774

Total Number of Sponsors
1
Democrat Sponsors
1
Republican Sponsors
0
Unaffiliated Sponsors
0
Total Number of Cosponsors
41
Democrat Cosponsors
41
Republican Cosponsors
0
Unaffiliated Cosponsors
0

Policy Area and Potential Impact of Bill HR 4774

Primary Policy Focus

Alternate Title(s) of Bill HR 4774

To ensure that certain assistance under the Robert T. Stafford Disaster Relief and Emergency Assistance Act is available for flood-damaged basements, and for other purposes.
To ensure that certain assistance under the Robert T. Stafford Disaster Relief and Emergency Assistance Act is available for flood-damaged basements, and for other purposes.

Comments

Sponsors and Cosponsors of HR 4774

Rashida Tlaib
Rashida Tlaib
MichiganDemocrat
Shri Thanedar
Shri Thanedar
MichiganDemocrat
Mary Gay Scanlon
Mary Gay Scanlon
PennsylvaniaDemocrat
Terri A. Sewell
Terri A. Sewell
AlabamaDemocrat
Robert C. "Bobby" Scott
Robert C. "Bobby" Scott
VirginiaDemocrat
Ayanna Pressley
Ayanna Pressley
MassachusettsDemocrat

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