Some households in high-risk areas could get up to $10,000 to protect their homes before a disaster. The bill also adds a 30% tax credit and makes some home and farm disaster aid tax-free.
Modern Action explains what the legislation does, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.
Disaster Resiliency and Coverage Act of 2025 is a House bill in committee. The latest recorded action: Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.
Latest action on H.R. 1105: Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.
Who this affects: This bill mainly affects households in high-risk areas that want to protect their homes before a disaster. It also affects property owners and renters who pay for approved safety work. States and tribes would run the grants, while FEMA would set federal rules. Farmers receiving certain federal disaster aid could also see tax changes.
Why this matters: Disaster-proofing a home can cost more than many households can afford. Grants and tax credits could help pay for that work before damage occurs. Stronger homes could suffer less damage and may be easier to insure. However, the bill does not require insurers to lower prices or offer coverage. Its effects on disaster losses, insurance costs, and federal tax revenue remain uncertain.
You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.
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Officially: Disaster Resiliency and Coverage Act of 2025
Some households in high-risk areas could get up to $10,000 to protect their homes before a disaster. The bill also adds a 30% tax credit and makes some home and farm disaster aid tax-free.
Use this page to support, oppose, or ask Congress to amend HR1105. Modern Action explains what the bill does, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
Sitting in Economic Development
No vote scheduled. Constituent contact is what moves bills out of committee.
↓ Why your message matters here
This bill is sitting in committee with no scheduled vote — which means a small number of constituent messages can decide whether it moves forward or quietly dies.
Enter your ZIP to see how your senators and member of Congress have voted, sponsored, or spoken on this bill.
Where this bill is in the process
Introduced
Introduced in House
House Committee
Under House committee consideration
Latest: Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management. (2/6/2025)
House Floor Vote
Voted on by House
Passed House
Approved by House
Senate Review
Sent to Senate for consideration
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
For more detail
Choose one clear position: support, oppose, or amend. Then pick any reasons or personal context you want included. Modern Action uses that input and the bill context to draft a message you can edit and send.
Congressional offices prioritize messages from their own constituents. Modern Action uses your address to route the drafted message to your House representative when that is the most relevant target for this bill.
The draft includes the bill number, your position, the reasons you selected, any personal context you added, and a direct ask such as voting yes, voting no, cosponsoring, opposing, or seeking changes. You stay in control because you can edit the message before sending.
This page gives you an opportunity to support, oppose, or ask for changes to Disaster Resiliency and Coverage Act of 2025, then contact the elected officials who can act. Modern Action drafts the message from your position and the reasons you select.
Modern Action keeps the action tied to the bill itself: what it does, where it is in the process (committee), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around HR1105, your stance, and the reasons you choose, then lets you edit and send when ready.
