PlainBillCongress, translated.Legislation. Context. Public interest.Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.
Congressional Research Service
Version 00 · Introduced in House · Jul 25, 2025
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.
Showing the opening paragraphs of the official summary.
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.
People & committees
Rep. Tlaib, Rashida [D-MI-12] · D–MI
Legislative record
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Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.
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.
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.
Introduced in House
Sponsor introductory remarks on measure. (CR H3625)
Introduced in House
Primary sources
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No related bills are listed in this snapshot. This does not establish whether the proposal has appeared in earlier Congresses.
Source last updated: Mar 3, 2026. Consult Congress.gov for the current record.
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