Disaster Housing Reform for American Families Act
Sponsored By: Senator Sen. Cassidy, Bill [R-LA]
Introduced
Summary
Creates a five-year pilot to use manufactured or modular homes as FEMA temporary housing that can later be transferred or converted into affordable or permanent housing. It would also let FEMA provide closing-cost grants to disaster-affected households using certain federal mortgage programs.
Show full summary
- Families and disaster survivors would get access to factory-built units delivered within 90 days of a major disaster, or 120 days if extended, with a limit of no more than four units per structure and minimum protections against natural hazards.
- Localities, public housing authorities, nonprofits, and affordable housing developers would receive guidelines to take ownership of units after the disaster declaration ends for use in affordable housing.
- Manufacturers, distributors, and retailers could contract with FEMA to build the units under definitions in existing manufactured housing law, and the Department of Housing and Urban Development may waive some construction standards for the pilot.
- Disaster-impacted homebuyers using federal affordable mortgage programs could receive Individuals and Households Program grants to cover closing costs when obtaining those mortgages.
Your PRIA Score
Personalized for You
How does this bill affect your finances?
Sign up for a PRIA Policy Scan to see your personalized alignment score for this bill and every other piece of legislation we track. We analyze your financial profile against policy provisions to show you exactly what matters to your wallet.
Bill Overview
Analyzed Economic Effects
2 provisions identified: 2 benefits, 0 costs, 0 mixed.
Federal help for disaster closing costs
This bill would allow the President to provide federal assistance for closing costs when disaster-affected households buy a home using a Federal affordable mortgage program. The help would only cover closing costs tied to mortgages from those federal affordable financing programs. The authority would be discretionary for the President and would take effect upon enactment.
Temporary modular homes after disasters
This bill would create a 5-year pilot to build temporary manufactured or modular homes after a Presidential major disaster. The homes could have up to four units and must be available within 90 days, or 120 days if the Secretary extends time. Homes would generally need to meet many building, flood, and safety standards, though the Secretary could waive some requirements. Units could be designed to become permanent and may be transferred to local affordable housing programs after the disaster ends.
Free Policy Watch
You just read the policy. Now see what it costs you.
Pick a topic. PRIA runs your household against live legislation and sends you a free personalized readout.
Pick a topic to get started
Sponsors & CoSponsors
Sponsor
Sen. Cassidy, Bill [R-LA]
LA • R
Cosponsors
Sen. Padilla, Alex [D-CA]
CA • D
Sponsored 1/16/2025
Sen. Hirono, Mazie K. [D-HI]
HI • D
Sponsored 3/10/2026
Roll Call Votes
No roll call votes available for this bill.
View on Congress.govTake It Personal
Get Your Personalized Policy View
Take the PRIA Score to see how policy affects your household, then upgrade to PRIA Full Coverage for year-round monitoring.
Already have an account? Sign in