# 119-hr-1105: Disaster Resiliency and Coverage Act of 2025

119-hr-1105, Disaster Resiliency and Coverage Act of 2025, is a 119th Congress bill sponsored by Rep. Thompson, Mike [D-CA-4] (D-CA); status in_committee; PRIA reads it as touching household money (as of 2026-09-17).

- Canonical: https://policyrisk.com/legislation/119-hr-1105
- As of: 2026-09-17
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-1105
- Congress: 119
- Title: Disaster Resiliency and Coverage Act of 2025
- Status: in_committee
- Introduced: 2025-02-06
- Sponsor: Rep. Thompson, Mike [D-CA-4] (D-CA)
- Cosponsors: 63
- Policy area: Emergency Management
- Touches household money: yes
- Last recorded action: 2026-09-17

## Summary

**Federal grants and tax incentives to help homeowners make disaster‑resistant upgrades.** This bill would create an Individual Household Disaster Mitigation Program to fund pre-disaster residential upgrades in high-risk areas and add tax exclusions plus a new 30% mitigation tax credit. - Homeowners: Individuals in eligible high-risk areas could get grants through State or tribal governments for qualifying upgrades, capped at $10,000 per household and indexed to CPI. Eligibility would be limited to taxpayers with adjusted gross income under $250,000 for singles or $500,000 for joint filers. - States and tribal governments: States and tribes would submit plans that map risk areas, assess homeowner insurance availability, list eligible mitigation activities, and set per-household payment limits. The President would designate eligible disaster areas, provide technical assistance, and review those designations at least every five years. - Tax, insurance, and standards: IH-DMP payments and certain State mitigation payments would be excluded from gross income and taxpayers could claim a 30% credit for qualifying mitigation expenditures. A 50-member Hazard Mitigation Advisory Committee would advise the President on eligible activities, and States would be required to inform insurers and consumers about mitigation standards and potential premium discounts.

## Cosponsors (63)

- Rep. LaMalfa, Doug [R-CA-1] (R-CA), 2025-02-06T00:00:00.000Z
- Rep. Kim, Young [R-CA-40] (R-CA), 2025-02-06T00:00:00.000Z
- Rep. Obernolte, Jay [R-CA-23] (R-CA), 2025-02-06T00:00:00.000Z
- Rep. Valadao, David G. [R-CA-22] (R-CA), 2025-02-06T00:00:00.000Z
- Rep. Barragán, Nanette Diaz [D-CA-44] (D-CA), 2025-02-06T00:00:00.000Z
- Rep. Brownley, Julia [D-CA-26] (D-CA), 2025-02-06T00:00:00.000Z
- Rep. Carbajal, Salud O. [D-CA-24] (D-CA), 2025-02-06T00:00:00.000Z
- Rep. Carter, Troy A. [D-LA-2] (D-LA), 2025-02-06T00:00:00.000Z
- Rep. Case, Ed [D-HI-1] (D-HI), 2025-02-06T00:00:00.000Z
- Rep. Castor, Kathy [D-FL-14] (D-FL), 2025-02-06T00:00:00.000Z
- Rep. Chu, Judy [D-CA-28] (D-CA), 2025-02-06T00:00:00.000Z
- Rep. Cisneros, Gilbert Ray [D-CA-31] (D-CA), 2025-02-06T00:00:00.000Z
- Rep. Costa, Jim [D-CA-21] (D-CA), 2025-02-06T00:00:00.000Z
- Rep. Fields, Cleo [D-LA-6] (D-LA), 2025-02-06T00:00:00.000Z
- Rep. Frankel, Lois [D-FL-22] (D-FL), 2025-02-06T00:00:00.000Z
- Rep. Frost, Maxwell [D-FL-10] (D-FL), 2025-02-06T00:00:00.000Z
- Rep. Garamendi, John [D-CA-8] (D-CA), 2025-02-06T00:00:00.000Z
- Rep. Goldman, Daniel S. [D-NY-10] (D-NY), 2025-02-06T00:00:00.000Z
- Rep. Harder, Josh [D-CA-9] (D-CA), 2025-02-06T00:00:00.000Z
- Rep. Huffman, Jared [D-CA-2] (D-CA), 2025-02-06T00:00:00.000Z
- Rep. Jacobs, Sara [D-CA-51] (D-CA), 2025-02-06T00:00:00.000Z
- Rep. Kamlager-Dove, Sydney [D-CA-37] (D-CA), 2025-02-06T00:00:00.000Z
- Rep. Khanna, Ro [D-CA-17] (D-CA), 2025-02-06T00:00:00.000Z
- Rep. Levin, Mike [D-CA-49] (D-CA), 2025-02-06T00:00:00.000Z
- Rep. Lieu, Ted [D-CA-36] (D-CA), 2025-02-06T00:00:00.000Z
- Rep. Matsui, Doris O. [D-CA-7] (D-CA), 2025-02-06T00:00:00.000Z
- Rep. McIver, LaMonica [D-NJ-10] (D-NJ), 2025-02-06T00:00:00.000Z
- Rep. Moskowitz, Jared [D-FL-23] (D-FL), 2025-02-06T00:00:00.000Z
- Rep. Mullin, Kevin [D-CA-15] (D-CA), 2025-02-06T00:00:00.000Z
- Rep. Neguse, Joe [D-CO-2] (D-CO), 2025-02-06T00:00:00.000Z
- Del. Norton, Eleanor Holmes [D-DC-At Large] (D-DC), 2025-02-06T00:00:00.000Z
- Rep. Panetta, Jimmy [D-CA-19] (D-CA), 2025-02-06T00:00:00.000Z
- Rep. Pettersen, Brittany [D-CO-7] (D-CO), 2025-02-06T00:00:00.000Z
- Rep. Ruiz, Raul [D-CA-25] (D-CA), 2025-02-06T00:00:00.000Z
- Rep. Schrier, Kim [D-WA-8] (D-WA), 2025-02-06T00:00:00.000Z
- Rep. Takano, Mark [D-CA-39] (D-CA), 2025-02-06T00:00:00.000Z
- Rep. Tlaib, Rashida [D-MI-12] (D-MI), 2025-02-06T00:00:00.000Z
- Rep. Tokuda, Jill N. [D-HI-2] (D-HI), 2025-02-06T00:00:00.000Z
- Rep. Torres, Norma J. [D-CA-35] (D-CA), 2025-02-06T00:00:00.000Z
- Rep. Vasquez, Gabe [D-NM-2] (D-NM), 2025-02-06T00:00:00.000Z
- Rep. Whitesides, George [D-CA-27] (D-CA), 2025-02-06T00:00:00.000Z
- Rep. Friedman, Laura [D-CA-30] (D-CA), 2025-03-03T00:00:00.000Z
- Rep. Garcia, Robert [D-CA-42] (D-CA), 2025-03-10T00:00:00.000Z
- Rep. Min, Dave [D-CA-47] (D-CA), 2025-03-21T00:00:00.000Z
- Rep. DeSaulnier, Mark [D-CA-10] (D-CA), 2025-03-21T00:00:00.000Z
- Rep. Sánchez, Linda T. [D-CA-38] (D-CA), 2025-04-17T00:00:00.000Z
- Rep. Sewell, Terri A. [D-AL-7] (D-AL), 2025-04-30T00:00:00.000Z
- Rep. Craig, Angie [D-MN-2] (D-MN), 2025-05-20T00:00:00.000Z
- Rep. Bera, Ami [D-CA-6] (D-CA), 2025-06-04T00:00:00.000Z
- Rep. Velázquez, Nydia M. [D-NY-7] (D-NY), 2025-07-02T00:00:00.000Z
- Rep. Foushee, Valerie P. [D-NC-4] (D-NC), 2025-07-23T00:00:00.000Z
- Rep. Evans, Dwight [D-PA-3] (D-PA), 2025-08-15T00:00:00.000Z
- Rep. Swalwell, Eric [D-CA-14] (D-CA), 2025-08-15T00:00:00.000Z
- Rep. Sherman, Brad [D-CA-32] (D-CA), 2025-09-03T00:00:00.000Z
- Rep. Davis, Danny K. [D-IL-7] (D-IL), 2025-11-04T00:00:00.000Z
- Rep. Sorensen, Eric [D-IL-17] (D-IL), 2025-11-07T00:00:00.000Z
- Rep. Thanedar, Shri [D-MI-13] (D-MI), 2025-11-07T00:00:00.000Z
- Rep. Tran, Derek [D-CA-45] (D-CA), 2025-11-17T00:00:00.000Z
- Rep. McDonald Rivet, Kristen [D-MI-8] (D-MI), 2025-12-15T00:00:00.000Z
- Rep. Vargas, Juan [D-CA-52] (D-CA), 2026-03-19T00:00:00.000Z
- Rep. Salinas, Andrea [D-OR-6] (D-OR), 2026-06-03T00:00:00.000Z
- Rep. Gallagher, James [R-CA-1] (R-CA), 2026-07-09T00:00:00.000Z
- Rep. Correa, J. Luis [D-CA-46] (D-CA), 2026-09-15T00:00:00.000Z

## Provisions PRIA read

- Up to $10,000 grants to harden homes: benefit, high. This bill would set up State- and tribe-run grants to help households pay for pre-disaster home upgrades. Your home would need to be in a designated high-risk area, and your prior-year AGI would need to be $250,000 or less ($500,000 if filing jointly). You could get up to $10,000 per household, not…
- Tax breaks for disaster-proofing homes and buildings: benefit, high. You would be able to claim a 30% federal tax credit for qualifying mitigation work on property you own or lease, for costs paid after enactment. If a State pays part of the cost, that part would not count toward your credit, and you could not also claim another deduction or credit for the same expe…
- Tax break for farm disaster aid: benefit, medium. Certain federal farm disaster and assistance payments would be treated as tax-free disaster relief. This would cover named programs such as WHIP+ and the Quality Loss Assistance Program. The change would apply to tax years beginning after December 31, 2025.

## Related bills

- 119-hr-2102: Major Richard Star Act
- 119-hr-7973: Momnibus Act
- 119-hr-1262: Mikaela Naylon Give Kids a Chance Act
- 119-hr-2048: Metastatic Breast Cancer Access to Care Act
- 119-hr-4206: CONNECT for Health Act of 2025
- 119-hr-15: Equality Act

## Sources
- [119-hr-1105 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/1105)

## Related
- [119-hr-2102: Major Richard Star Act](https://policyrisk.com/legislation/119-hr-2102)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-1262: Mikaela Naylon Give Kids a Chance Act](https://policyrisk.com/legislation/119-hr-1262)
- [119-hr-2048: Metastatic Breast Cancer Access to Care Act](https://policyrisk.com/legislation/119-hr-2048)
- [119-hr-4206: CONNECT for Health Act of 2025](https://policyrisk.com/legislation/119-hr-4206)
- [119-hr-15: Equality Act](https://policyrisk.com/legislation/119-hr-15)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-1105 (as of 2026-09-17).