FEMA Temporary Housing Assistance Improvement Act

This bill says that if you need temporary housing help after a disaster, having insurance should not count against you. FEMA would still be able to give you temporary housing even if you have an insurance policy, because insurance would not be treated as “double-dipping” for this specific type of help. This change applies to how the government decides who can get temporary housing after disasters under existing law.

Why this matters: After a disaster, insurance claims can take time, and policies may not cover everything. This bill makes it clearer that people can still get temporary housing help from FEMA while sorting out their insurance, so families aren’t left without a safe place to stay.

• Who is affected: People displaced by disasters who need temporary housing assistance from FEMA.
• What changes: Insurance cannot be used to deny or reduce eligibility for FEMA temporary housing on the grounds of “duplication of benefits”.
• Where it applies: Temporary housing assistance under the federal disaster relief law.