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S. 120
U.S. Senate•In Senate Committee
Summary
S. 120, the Disaster Housing Reform for American Families Act, was introduced in the Senate on Jan 16, 2025 by Sen. Bill Cassidy (R) with 2 co-sponsors. It was referred to Homeland Security And Governmental Affairs, and last saw action on Jan 16, 2025: Read twice and referred to the Committee on Homeland Security and Governmental Affairs.
Record
Text
S. 120 has 2 co-sponsors.
sb120/introduced-in-senate.txt119 S120 IS: Disaster Housing Reform for American Families ActU.S. Senate2025-01-16text/xmlENPursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.II 119th CONGRESS 1st Session S. 120 IN THE SENATE OF THE UNITED STATES January 16, 2025 Mr. Cassidy (for himself and Mr. Padilla ) introduced the following bill; which was read twice and referred to the Committee on Homeland Security and Governmental Affairs A BILLTo amend the Robert T. Stafford Disaster Relief and Emergency Assistance Act to establish a pilot program for the construction of temporary disaster assistance housing, and for other purposes.1.Short titleThis Act may be cited as the Disaster Housing Reform for American Families Act .2.Disaster assistance housing pilot programSection 408(c) of the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 5174(c) ) is amended by adding at the end the following:(5)Pilot program(A)DefinitionsIn this paragraph:(i)Distributor; manufactured home; manufacturer; retailerThe terms distributor , manufactured home , manufacturer , and retailer have the meanings given those terms in section 603 of the National Manufactured Housing Construction and Safety Standards Act of 1974 ( 42 U.S.C. 5402 ).(ii)Eligible entityThe term eligible entity means—(I)a manufacturer, distributor, or retailer of a manufactured home or a modular home; and(II)a producer of modular housing.(iii)SecretaryThe term Secretary means the Secretary of Housing and Urban Development, in coordination with the Administrator of the Federal Emergency Management Agency.(B)EstablishmentThe President shall establish a pilot program under which the President enters into a contract with an eligible entity for the purpose of constructing temporary housing to serve as a type of housing available to individuals and households under subsection (b)(1).(C)RequirementsHousing constructed pursuant to subparagraph (B) shall—(i)be in the form of a manufactured or modular housing structure with not more than 4 units;(ii)be available to individuals and households not later than 90 days (or 120 days, upon extension by the Secretary) after the date on which the President declares a major disaster;(iii)subject to subparagraph (D)(ii), conform with, as applicable—(I)construction standards of the National Flood Insurance Program;(II)standards for new construction under the National Manufactured Housing Construction and Safety Standards Act of 1974 ( 42 U.S.C. 5401 et seq. );(III)standards under the most recent or second most recent edition of the International Residential Code;(IV)applicable building codes in the State, local, or Tribal jurisdiction in which the housing is located;(V)requirements of the Federal Flood Risk Management Standard of the Federal Emergency Management Agency;(VI)local zoning ordinances;(VII)the national technical standard for flood resistant design and construction (ASCE/SEI 24–14); or(VIII)the manufactured home and construction safety standards under part 3280 of title 24, Code of Regulations, or any successor regulation;(iv)reflect the needs of the community in which the housing is constructed according to the type of major disaster experienced by the community; and(v)provide a minimum level of protection against natural hazards for the purpose of protecting the health, safety, and general welfare of the users of the housing against disasters.(D)Permanence; waiverHousing constructed pursuant to subparagraph (B) may—(i)have the capacity to become permanent housing after the date on which a major disaster declaration terminates; and(ii)receive a waiver for a requirement described in subparagraph (C)(iii) from the Secretary.(E)Transfer guidelinesThe President, in coordination with the Secretary, shall establish guidelines for the transfer of housing constructed under subparagraph (B) to an established affordable housing program administered by a locality, public housing authority, nonprofit organization, or affordable housing developer after the date on which the disaster declaration for the major disaster for which the housing is constructed terminates.(F)TerminationThe program established pursuant to subparagraph (B) shall terminate on the date that is 5 years after the date of enactment of the Disaster Housing Reform for American Families Act .(6)Closing costsThe President may provide financial assistance to individuals or households affected by a major disaster and purchasing a residential property for closing costs associated with obtaining a mortgage from a Federal program that provides affordable financing options..
Tracker
The tracker indicates the progress of this legislation as it moves through the legislative process.
- Introduced2025-01-16
- Passed Senate
- Passed House
- Conference
- To President
- Became Law
CRS Summary
The summaries are the Congressional Research Service’s, one per stage. Read them in full.
Introduced in Senate Jan 16, 2025
sb120/introduced-in-senate.mdShown Here:
Introduced in Senate (01/16/2025)
Disaster Housing Reform for American Families Act
This bill requires the Federal Emergency Management Agency (FEMA) to establish a five-year pilot program under the Individuals and Households Program (IHP) through which FEMA contracts to provide factory-built housing to serve disaster survivors until the disaster declaration terminates and then be utilized for affordable housing. It also authorizes FEMA to provide IHP grants for closing costs associated with obtaining certain mortgages.
Specifically, FEMA must enter into a contract with a producer or seller of manufactured or modular homes to construct such housing as a type of temporary housing assistance under IHP. The bill requires the housing to meet specified criteria, including that it must be available within 90 days (unless extended to 120 days) after the disaster declaration, have no more than four units, and provide a minimum level of protection from natural hazards. The housing must conform to various specified standards, but the bill authorizes the Department of Housing and Urban Development to waive any such requirement for construction under the pilot program.
Also, the bill requires FEMA to establish guidelines for transferring the housing to an affordable housing program after the termination of the relevant disaster declaration. However, the bill also authorizes it to become permanent housing after the declaration terminates.
In addition, the bill authorizes FEMA to provide IHP grants to disaster-impacted individuals or households purchasing residential property for closing costs associated with obtaining a mortgage from a federal program providing affordable financing options.
Sponsors
Sen. Bill Cassidy (R) sponsors S. 120, and 2 members have co-sponsored it, 1 of them from the day it was introduced.
Committees
S. 120 went before 1 committee: Homeland Security and Governmental Affairs.

Actions
S. 120 has taken 2 actions since Jan 16, 2025.
| Chamber | Action | |||
|---|---|---|---|---|
Jan 16, 2025 | Senate | Read twice and referred to the Committee on Homeland Security and Governmental Affairs.Homeland Security and Governmental Affairs Committee | ||
Jan 16, 2025 | — | Introduced in Senate |
Votes
S. 120 has not gone to a roll call.
Titles
S. 120 goes by 3 titles, 1 of them short titles.
- Disaster Housing Reform for American Families Act — Display Title
- Disaster Housing Reform for American Families Act — Short Title(s) as Introduced
- A bill to amend the Robert T. Stafford Disaster Relief and Emergency Assistance Act to establish a pilot program for the construction of temporary disaster assistance housing, and for other purposes. — Official Title as Introduced
Lobbying
2 clients hired 2 firms and 9 registered lobbyists who named S. 120 in 13 quarterly filings, 2025 to 2026. Reported under the Lobbying Disclosure Act; a filing’s income covers everything its registrant worked that quarter, so the amounts below are the filings’, not this bill’s.
Filed under Financial Institutions/Investments/Securities, Insurance, Taxation/Internal Revenue Code, Torts, Agriculture, Science/Technology, Budget/Appropriations, Homeland Security.
Clients
Who paid to be heard, by how many filings named the bill.
| Client | Business | State | Firms | Filings | Reported |
|---|---|---|---|---|---|
| REINSURANCE ASSN OF AMERICA | — | District of Columbia | 1 | 7 | — |
| NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES | — | District of Columbia | 1 | 6 | — |
Firms
Registrants who filed on the bill, by filings.
| Registrant | Clients | Filings | Reported |
|---|---|---|---|
| REINSURANCE ASSN OF AMERICA | 1 | 7 | — |
| NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES | 1 | 6 | — |
Lobbyists
Named on the filings that cite the bill.
| Lobbyist | Firms | Clients | Filings |
|---|---|---|---|
| NICOLE AUSTIN | 1 | 1 | 7 |
| JAMES GRANDE | 1 | 1 | 6 |
| KATHERINE DUVENECK | 1 | 1 | 6 |
| NICHOLAS BOUKNIGHT | 1 | 1 | 6 |
| ROBERT MCCARTY | 1 | 1 | 6 |
| ANTHONY COTTO | 1 | 1 | 5 |
| WARREN WILLIAMSON | 1 | 1 | 2 |
| WILLIAM SEABROOK | 1 | 1 | 2 |
| ANNA BUHLINGER | 1 | 1 | 1 |
Filings
The documents themselves, on the Senate’s Lobbying Disclosure site, largest reported first.
| Client | Registrant | Period | Reported | Document |
|---|---|---|---|---|
| NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES | NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES | 2026 second_quarter | $540K | 2nd Quarter - Report |
| REINSURANCE ASSN OF AMERICA | REINSURANCE ASSN OF AMERICA | 2026 first_quarter | $520K | 1st Quarter - Report |
| NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES | NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES | 2026 first_quarter | $506.4K | 1st Quarter - Report |
| NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES | NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES | 2025 fourth_quarter | $465.8K | 4th Quarter - Report |
| NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES | NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES | 2025 third_quarter | $442.1K | 3rd Quarter - Report |
| REINSURANCE ASSN OF AMERICA | REINSURANCE ASSN OF AMERICA | 2025 third_quarter | $440K | 3rd Quarter - Report |
| REINSURANCE ASSN OF AMERICA | REINSURANCE ASSN OF AMERICA | 2025 second_quarter | $440K | 2nd Quarter - Report |
| NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES | NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES | 2025 second_quarter | $435.7K | 2nd Quarter - Report |
| NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES | NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES | 2025 first_quarter | $424.5K | 1st Quarter - Report |
| REINSURANCE ASSN OF AMERICA | REINSURANCE ASSN OF AMERICA | 2025 fourth_quarter | $390K | 4th Quarter - Report |
| REINSURANCE ASSN OF AMERICA | REINSURANCE ASSN OF AMERICA | 2026 second_quarter | $370K | 2nd Quarter - Amendme… |
| REINSURANCE ASSN OF AMERICA | REINSURANCE ASSN OF AMERICA | 2025 first_quarter | $370K | 1st Quarter - Report |
| REINSURANCE ASSN OF AMERICA | REINSURANCE ASSN OF AMERICA | 2026 second_quarter | $340K | 2nd Quarter - Report |
Classification
The Congressional Research Service files S. 120 under Emergency Management, one of its 31 policy areas.
CRS Subjects
CRS assigns every bill one policy area from its 31; S. 120’s is Emergency Management.
s120/policy-areas.txtSource: congress.gov · legiscan.com