I 
119TH CONGRESS 
1ST SESSION H. R. 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. 
IN THE HOUSE OF REPRESENTATIVES 
JULY 25, 2025 
Ms. TLAIB (for herself, Ms. BROWN, Ms. PRESSLEY, Ms. BALINT, Ms. 
BARRAGA´N, Mrs. BEATTY, Mr. DELUZIO, Mr. EVANS of Pennsylvania, 
Mr. FIELDS, Mr. FIGURES, Mr. GARCI´A of Illinois, Mrs. MCIVER, Ms. 
MENG, Mr. MFUME, Mr. MOSKOWITZ, Ms. NORTON, Ms. SCANLON, Mr. 
SCOTT of Virginia, Ms. SEWELL, and Mr. THANEDAR) introduced the fol-
lowing bill; which 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 
A BILL 
To ensure that certain assistance under the Robert T. Staf-
ford Disaster Relief and Emergency Assistance Act is 
available for flood-damaged basements, and for other 
purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
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SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Fix Our Flooded Base-
ments Act of 2025’’. 
SEC. 2. ASSISTANCE FOR FLOOD-DAMAGED BASEMENTS. 
(a) REPAIRS.—In providing assistance for repairs to 
flood-damaged basements under section 408(c)(2) of the 
Robert T. Stafford Disaster Relief and Emergency Assist-
ance Act (42 U.S.C. 5174(c)(2)), the Administrator— 
(1) may not limit such assistance to rooms re-
quired for the occupancy of the dwelling; and 
(2) may provide assistance for any mold, mil-
dew, and moisture damage caused by a major dis-
aster and may not limit such assistance to only 
mold, mildew, or moisture damage that— 
(A) may cause additional loss; or 
(B) affects the safety, sanitation, and 
functionality of the home. 
(b) PERSONAL PROPERTY ASSISTANCE.—In pro-
viding assistance for personal property expenses under 
section 408(e)(2) of the Robert T. Stafford Disaster Relief 
and Emergency Assistance Act (42 U.S.C. 5174(e)(2)), 
the Administrator shall provide assistance— 
(1) to cover the cost of personal property in a 
manner that is at least equivalent to the coverage 
provided under the Standard Flood Insurance Policy 
for building property and personal property located 
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below the lowest floor of a building, including base-
ments (as defined in section 59.1 of title 44, Code 
of Federal Regulations, or any successor regula-
tions); and 
(2) to cover the costs of repair or replacement 
of all building and personal property located in a 
flood-damaged basement that is damaged by a major 
disaster. 
(c) GROUP FLOOD INSURANCE POLICY.—Not later 
than 6 months after the date of enactment of this Act, 
the Administrator shall revise sections 61.17 and 
206.119(b)(9) of title 44, Code of Federal Regulations, 
to make the following changes: 
(1) Permit applicants who had a previous re-
quirement to maintain flood insurance as a condition 
of receiving assistance under section 408 of the Rob-
ert T. Stafford Disaster Relief and Emergency As-
sistance Act (42 U.S.C. 5174) to be eligible for the 
Group Flood Insurance Policy. 
(2) Permit applicants residing outside a special 
flood hazard area to be eligible for the Group Flood 
Insurance Policy. 
(3) Expand the coverage under the Group 
Flood Insurance Policy to be at least equivalent to 
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the maximum coverage available in the Standard 
Flood Insurance Policy. 
(4) Expand the Group Flood Insurance Policy 
to include coverage for the following: 
(A) Real and personal property compo-
nents and contents in basements, including re-
pairs to address water damage, appliances, 
flooring and carpet repairs, and any other items 
necessary to return the basement to its previous 
pre-flood condition. 
(B) Any real and personal property compo-
nents and contents in basements covered under 
the additional endorsement for basement cov-
erage for the Standard Flood Insurance Policy, 
as described in the proposed rule titled ‘‘Na-
tional Flood Insurance Program: Standard 
Flood Insurance Policy, Homeowner Flood 
Form’’ and issued by the Administrator on 
February 6, 2024 (89 Fed. Reg. 8282). 
(C) Mold, mildew, and moisture damage in 
basements. 
(d) MAXIMUM
AMOUNT
OF
FINANCIAL
ASSIST-
ANCE.—Section 408(h) of the Robert T. Stafford Disaster 
Relief and Emergency Assistance Act (42 U.S.C. 5174(h)) 
is amended by adding at the end the following: 
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‘‘(5) EXCLUSION OF MITIGATION MEASURES.— 
The maximum amount of assistance established 
under paragraph (1) shall exclude expenses for eligi-
ble hazard mitigation measures in flood-damaged 
basements under subsection (c)(2)(A)(ii). 
‘‘(6) EXCLUSION OF GROUP FLOOD INSURANCE 
POLICY PREMIUMS.—The maximum amount of as-
sistance established under paragraph (1) shall ex-
clude expenses for premiums for the Group Flood 
Insurance Policy pursuant to subsection (e)(2).’’. 
(e) DEFINITIONS.—In this section: 
(1) ADMINISTRATOR.—The term ‘‘Adminis-
trator’’ means the Administrator of the Federal 
Emergency Management Agency. 
(2) GROUP
FLOOD
INSURANCE
POLICY.—The 
term ‘‘Group Flood Insurance Policy’’ means the 
group flood insurance policy established by the Ad-
ministrator under section 61.17 of title 44, Code of 
Federal Regulations. 
(3) STANDARD
FLOOD
INSURANCE
POLICY.— 
The term ‘‘Standard Flood Insurance Policy’’ means 
the standard flood insurance policy under the na-
tional flood insurance program established pursuant 
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to the National Flood Insurance Act of 1968 (42 
U.S.C. 4001 et seq.). 
Æ 
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