# 119-s-120: Disaster Housing Reform for American Families Act

119-s-120, Disaster Housing Reform for American Families Act, is a 119th Congress bill sponsored by Sen. Cassidy, Bill [R-LA] (R-LA); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-s-120
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-120
- Congress: 119
- Title: Disaster Housing Reform for American Families Act
- Status: introduced
- Introduced: 2025-01-16
- Sponsor: Sen. Cassidy, Bill [R-LA] (R-LA)
- Cosponsors: 2
- Policy area: Emergency Management
- Touches household money: yes
- Last recorded action: 2026-04-21

## 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. - 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.

## Cosponsors (2)

- Sen. Padilla, Alex [D-CA] (D-CA), 2025-01-16T00:00:00.000Z
- Sen. Hirono, Mazie K. [D-HI] (D-HI), 2026-03-10T00:00:00.000Z

## Provisions PRIA read

- Federal help for disaster closing costs: benefit, medium. 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 wou…
- Temporary modular homes after disasters: benefit, low. 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,…

## Related bills

- 119-s-5066: Health Equity and Accountability Act of 2026
- 119-s-4744: Take Care of America’s Veterans Act
- 119-s-1241: Sanctioning Russia Act of 2025
- 119-s-410: Love Lives On Act of 2025
- 119-s-199: A bill to amend the Internal Revenue Code of 1986 to provide special rules for the taxation of certain residents of Taiwan with income from sources within the…
- 119-s-1816: Improving Seniors’ Timely Access to Care Act of 2025

## Sources
- [119-s-120 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/120)

## Related
- [119-s-5066: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-s-5066)
- [119-s-4744: Take Care of America’s Veterans Act](https://policyrisk.com/legislation/119-s-4744)
- [119-s-1241: Sanctioning Russia Act of 2025](https://policyrisk.com/legislation/119-s-1241)
- [119-s-410: Love Lives On Act of 2025](https://policyrisk.com/legislation/119-s-410)
- [119-s-199: A bill to amend the Internal Revenue Code of 1986 to provide special rules for…](https://policyrisk.com/legislation/119-s-199)
- [119-s-1816: Improving Seniors’ Timely Access to Care Act of 2025](https://policyrisk.com/legislation/119-s-1816)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-120 (as of 2026-04-21).