Bills · HR 3161
IN COMMITTEE· 119TH CONGRESS
House BillHR 3161Finance and Financial Sector
Preventing Environmental Hazards Act of 2025
INTRO MAY 1· LAST ACTION MAY 1
READING
5MIN
COSPONSORS
4BIPARTISAN
READER REACTIONS0 TOTAL
NO VOTES YET · BE THE FIRST
- Introduced only
LEGISLATIVE PROGRESS
STEP 2 / 8Introduced
In Committee
Reported
Passed House
Passed Senate
Conference
To President
Became Law
WHAT THE BILL DOES
AI-writtenThis bill matters to voters because it addresses a growing concern for many communities facing the impacts of climate change, specifically rising sea levels and increased erosion along coastlines and major waterways. If this bill becomes law, it could offer a crucial safety net for homeowners who might otherwise lose their entire investment with no financial recourse, as standard flood insurance doesn't cover erosion-induced collapse.
Without this bill, property owners facing imminent collapse due to erosion would likely not be covered by federal flood insurance, potentially leading to total financial loss and burdening local communities with unsafe structures. By offering a way to fund demolition or relocation, the bill aims to reduce risks to public safety and property values, potentially encouraging a more managed approach to coastal and lakeside development in areas prone to erosion rather than waiting for disaster to strike.
KEY PROVISIONS
5AI-extractedPROVISION 01
Expands National Flood Insurance Program (NFIP) coverage to include damage from shoreline erosion.
This provides a new form of financial protection for homeowners whose properties are threatened by eroding land, which is not typically covered by traditional flood insurance.
PROVISION 02
Allows flood insurance payments for the demolition or relocation of structures deemed unsafe by state or local authorities due to imminent collapse or subsidence from erosion.
It offers a proactive solution for homeowners to mitigate losses and safely remove or move a structure before it completely collapses.
PROVISION 03
Establishes a payment structure where 40% of the structure's value is paid upfront for demolition or relocation, with the remaining 60% for demolition paid after the structure is removed within six months and prior to collapse.
This outlines the financial assistance process, aiming to incentivize timely action while setting conditions for full payout.
PROVISION 04
Stipulates that a structure must have continuous flood insurance coverage for at least 12 months before enactment or four continuous years prior to certification of imminent threat to be eligible.
This prevents individuals from purchasing flood insurance only after their property is already in immediate danger of erosion-related collapse.
PROVISION 05
Sets a maximum claim limit of $250,000 for erosion coverage and specifically excludes coverage for the contents within the structure.
This defines the financial ceiling for assistance and clarifies what aspects of property damage are not covered under this new provision.
SPONSORSHIP
1 + 4
R· North Carolina
YRS IN OFFICE
7
BILLS LED
41
COSPONSOR BREAKDOWNBIPARTISAN · 100%
DEM 2 REP 2 IND 0
ACTION TIMELINE
2 EVENTSMAY 1
Introduced in House
MAY 1
Referred to the House Committee on Financial Services.
BILL INFO
TypeHouse Bill
NumberHR 3161
Congress119th
StatusIn Committee
IntroducedMay 1, 2025
Last actionMay 1, 2025
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IN COMMITTEE· 119TH CONGRESS · FINANCIAL SERVICES COMMITTEE · INTRODUCED MAY 1, 2025
House BillHR 3161Finance and Financial Sector
Preventing Environmental Hazards Act of 2025
INTRODUCED MAY 1, 2025· LAST ACTION MAY 1, 2025
PASSAGE CHANCES
—%
READING
5 min
COSPONSORS
4
COMPLEXITY
Moderate
