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Requires faster federal reimbursement after disasters by directing that, when the President finds at least 90% of an applicant's estimated disaster-related costs are eligible, the federal government must disburse reimbursement to the applicant within 120 days after the applicant requests payment. The change amends the Stafford Act's reimbursement rules to set a clear timing requirement for eligible requests that meet the 90% threshold.
The bill speeds and standardizes FEMA reimbursements—helping state and local governments and other applicants with cash flow and planning—but does so at the potential cost of higher short-term federal outlays and risks of delays or exclusion for claims that fail the 90% eligibility/Presidential-determination trigger.
State and local governments and eligible applicants receive FEMA reimbursements faster—within 120 days when 90% of estimated costs are eligible—improving cash flow for disaster recovery projects.
State and local governments and eligible applicants gain clearer timing and predictable payment standards, reducing the need to borrow or draw on reserves and improving planning and budgeting for recovery efforts.
State and local governments and applicants risk payment delays because expedited payments are conditioned on a Presidential determination that 90% of costs are eligible; if that determination is slow or contested, payments could be delayed.
Nonprofits, homeowners, and some local governments with valid but complex claims that don't meet the 90% eligibility threshold may not receive expedited payments and could face slower reimbursement and cash-flow problems.
Taxpayers and the federal government may face increased short-term cash outlays or administrative burden to meet the 120-day payment deadline.
Introduced August 29, 2025 by Kristen McDonald Rivet · Last progress August 29, 2025