Disaster Resiliency and Coverage Act of 2025

This bill creates a program where FEMA gives grants to states and tribal governments to help homeowners in high-risk disaster areas make their homes safer, such as by strengthening roofs, installing flood controls, or clearing flammable plants near the home. Individual households that meet certain income requirements can receive up to $10,000 for these improvements. The bill also gives a tax credit worth up to 30% of what people or businesses spend on these same types of home safety upgrades. Finally, it says that money people receive for making their homes safer from disasters — whether from federal, state, or local programs — won't count as taxable income, and the same goes for certain federal emergency farming assistance.

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