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Increase the supply of housing in AmericaSection 504 › Proposal

Construction and insurance standards must be set for hazard-prone areas

To increase the supply of housing in America, and for other purposes, section 504, Sec. 504. Written by .

Construction and insurance standards must be set for hazard-prone areas

The document says “shallWho acts: Secretary of Housing and Urban DevelopmentHow: statuteSec. 504 in the PDF
What the document says

“The Secretary, in consultation with the Administrator of the Federal Emergency Management Agency, shall establish minimum construction standards, insurance purchase requirements, and other requirements for the use of grant funds in hazard-prone areas.”

To increase the supply of housing in America, and for other purposes, Sec. 504

The new section 124 requires the Secretary, with the Administrator of the Federal Emergency Management Agency, to set minimum construction standards, insurance purchase requirements, and other requirements for using grant funds in hazard-prone areas. Those are areas at risk from natural hazards such as floods, wildfires, earthquakes, lava inundation, tornados, and high winds, and include special flood hazard areas, where the insurance requirements must meet or exceed those in section 102(a) of the Flood Disaster Protection Act of 1973. All grants count as financial assistance for purposes of that Act, and the Secretary may consider future risks in identifying hazard-prone areas.

What the document actually says

“The Secretary, in consultation with the Administrator of the Federal Emergency Management Agency, shall establish minimum construction standards, insurance purchase requirements, and other requirements for the use of grant funds in hazard-prone areas.”

To increase the supply of housing in America, and for other purposes, Sec. 504
That sentence, in plain words

The housing agency must set least standards for building in risky places. It must also ask for insurance there. It works with the storm agency to do so.

What this is about

A risky place here is one open to floods, fire, quakes, or high winds. Building back the same way invites the same loss. The rules aim to change that.

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How to cite this
  1. The document itself

    Increase the supply of housing in America, Public Law 119-101, sec. 504, 140 Stat. 929 (2026).
    https://www.govinfo.gov/content/pkg/PLAW-119publ101/html/PLAW-119publ101.htm

  2. This page

    “Construction and insurance standards must be set for hazard-prone areas,” Increase the supply of housing in America, section 504, Sec. 504. Read the Mandate, https://readthemandate.org/pl-119-101/proposal/sec504-hazard-prone/ (retrieved August 26, 2026).

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