What does Preamble of HR 4774 do?

This bill addresses assistance under the Robert T. Stafford Disaster Relief and Emergency Assistance Act. The bill aims to make certain assistance available for flood-damaged basements. The bill includes provisions for 'other purposes' beyond flood-damaged basements, though these are not specified in this section.

What does SHORT TITLE. of HR 4774 do?

This bill is formally titled the Fix Our Flooded Basements Act of 2025.

What does ASSISTANCE FOR FLOOD-DAMAGED BASEMENTS. of HR 4774 do?

This section modifies assistance for flood-damaged basements under the Robert T. Stafford Disaster Relief and Emergency Assistance Act. It expands the types of assistance available, including coverage for mold, mildew, and moisture damage without limiting it to damage causing additional loss or affecting safety. The Administrator must provide personal property assistance equivalent to coverage under the Standard Flood Insurance Policy for items in basements. Within six months of enactment, the Administrator must revise regulations to allow broader eligibility for the Group Flood Insurance Policy, including those with prior flood insurance requirements and those residing outside special flood hazard areas. The Group Flood Insurance Policy will be expanded to include coverage for basement components and contents, including repairs and addressing water damage. The maximum amount of financial assistance excludes expenses for hazard mitigation measures and Group Flood Insurance Policy premiums. The term 'Administrator' refers to the Administrator of the Federal Emergency Management Agency.

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Fix Our Flooded Basements Act of 2025 — HR. 4774

Last updated: 7/26/2025 · Introduced: 7/25/2025

Author: Rashida Tlaib (D-MI)

TL;DR (AI)

This bill modifies the Stafford Act to expand disaster assistance for flood-damaged basements, including coverage for mold, mildew, and moisture damage.
It requires the Federal Emergency Management Agency (FEMA) to provide personal property assistance equivalent to Standard Flood Insurance Policy coverage for basement items and broaden eligibility for the Group Flood Insurance Policy to include basement components and contents.
The bill limits financial assistance by excluding expenses for hazard mitigation and Group Flood Insurance Policy premiums.

119th Congressin committeeOfficial page

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Includes provisions on preamble, short title., and 1 more.

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