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Disaster victims

Reintroduction of the Federal Disaster Housing Stability Act of 2025

Strategic Insights

— 1 min read

Representatives Sheila Cherfilus-McCormick and Judy Chu have reintroduced the Federal Disaster Housing Stability Act of 2025, aimed at protecting homeowners and renters from eviction or foreclosure following natural disasters. This legislation seeks to ensure that individuals and families affected by federally declared disasters are not further victimized by housing insecurity caused by unforeseen economic hardship. The bill has received endorsements from the National Consumer Law Center and the National Housing Law Project, and its provisions are designed to provide critical protections in the aftermath of a natural disaster.

Key Takeaways:

  • The Federal Disaster Housing Stability Act of 2025 proposes a 120-day moratorium on evictions during a disaster declaration, prohibiting landlords from issuing a notice to vacate, requiring tenants to leave, or increasing rent costs.
  • The bill also includes a 6-month moratorium on foreclosures, prohibiting mortgage servicers from initiating judicial or non-judicial foreclosure proceedings, scheduling a foreclosure sale, or seeking a foreclosure judgment.
  • The legislation has received endorsements from the National Consumer Law Center and the National Housing Law Project, indicating support from advocacy groups specializing in consumer protection and housing law.
  • Representative Cherfilus-McCormick of Florida, a sponsor of the bill, cited the state's experience with increasing natural disasters, such as hurricanes and floods, which have uprooted entire communities.
  • Representative Chu of California, the other sponsor of the bill, highlighted the need for protections in the aftermath of a natural disaster, citing the experience of her constituents affected by the Eaton Fire in California.

Statistics:

  • 120-day moratorium on evictions during a disaster declaration
  • 6-month moratorium on foreclosures
  • 2 years of increasing natural disasters in Florida, including hurricanes and floods
  • Over 1,000 properties affected by the Eaton Fire in California according to Rep. Chu (no exact figure provided, but cited as extensive)

Sources:

  • Office of Florida Rep. Sheila Cherfilus-McCormick
  • Office of California Rep. Judy Chu
  • National Consumer Law Center
  • National Housing Law Project

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