Preventing Environmental Hazards Act of 2025
Sponsored By: Representative Murphy, Gregory F. [R-NC-3]
Introduced
Summary
Would create a new erosion coverage in the National Flood Insurance Program (NFIP) to pay for demolition or relocation when shoreline erosion makes a home imminently unsafe. It would set payment rules, eligibility windows, caps, and limits on future federal help for affected parcels.
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- Families and homeowners on shorefront property would be able to receive demolition or relocation payments. An initial payment up to 40 percent of the structure's value would follow a final determination and up to 60 percent would be paid after demolition or relocation. Total claims cannot exceed the lesser of NFIP coverage or $250,000. Contents are excluded.
- Structures would qualify only if they had NFIP coverage for 12 months before enactment or continuous coverage for four years before certification. If the owner fails to demolish or relocate within six months, the FEMA Administrator would not pay more than the initial 40 percent.
- After a final determination, the same parcel would be barred from later NFIP coverage or assistance under the Disaster Relief Act of 1974 for that structure or another on the remaining parcel. Emergency aid essential to save lives or protect public safety would still be allowed.
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 0 benefits, 0 costs, 1 mixed.
Flood insurance help for erosion-threatened homes
If enacted, shoreline homes with federal flood insurance could get help when a state or local authority deems them unsafe due to erosion. It would take effect right away, even before FEMA issues rules. After FEMA’s final decision, it could pay 40% of the home’s value up front; if you demolish within 6 months, you could get up to 60% more. If you choose relocation before collapse, you could get up to 40% of value, capped by relocation cost. Payments would be based on the lowest of fair market value, your inflation‑adjusted purchase price, or the policy value, and capped at your policy limit or $250,000; contents are not covered. To qualify, the home must have had flood insurance for 12 months before enactment or for a continuous 4 years before certification. If the home collapses or you delay beyond 6 months, FEMA could limit payment to the initial 40%, and the parcel would then lose future flood insurance and most disaster aid (except emergency help).
Sponsors & CoSponsors
Sponsor
Murphy, Gregory F. [R-NC-3]
NC • R
Cosponsors
Pingree
ME • D
Sponsored 5/1/2025
Davis (NC)
NC • D
Sponsored 5/1/2025
Rep. Rouzer, David [R-NC-7]
NC • R
Sponsored 5/1/2025
Wittman
VA • R
Sponsored 5/1/2025
Roll Call Votes
No roll call votes available for this bill.
View on Congress.gov