H.R. 5110: Federal Disaster Housing Stability Act of 2025

The Federal Disaster Housing Stability Act of 2025 aims to provide protections for tenants and homeowners against eviction and foreclosure during declared disasters or emergencies. Here is a breakdown of the key components of the bill:

Eviction Moratorium

The bill establishes a moratorium on evictions for rental properties located in disaster-affected areas. During the moratorium period, landlords or property owners cannot:

• File court actions to evict tenants for nonpayment of rent.
• Charge late fees or penalties related to rent nonpayment.
• Increase rent amounts or impose related fees following the moratorium.
• Prevent tenants who have temporarily relocated due to the disaster from returning to their homes.
• Remove tenants from their residences.

Additionally, landlords are prohibited from issuing notices to vacate until 30 days after the eviction moratorium concludes, ensuring tenants have adequate time to find housing options after a disaster.

Foreclosure Moratorium

The bill also enacts a moratorium on foreclosures for properties within declared disaster areas. This means that, during the specified period, mortgage servicers cannot:

• Initiate any foreclosure actions.
• Schedule foreclosure sales.
• Move for foreclosure judgments or orders.
• Execute foreclosure-related evictions.

This protection applies to all covered mortgage loans, ensuring that homeowners are not at risk of losing their properties during a disaster recovery period.

Definitions

Several terms are defined in the bill to clarify its application:

• Covered Dwelling: A residence occupied by a tenant under any legal agreement.
• Disaster: A major national emergency or disaster declared by federal or state authorities.
• Disaster Area: The geographical area subject to the disaster declaration.
• Eviction Moratorium Period: A 120-day period starting from the disaster declaration.
• Foreclosure Moratorium Period: A 6-month period following a disaster declaration.

Applicability

The bill applies to any disaster declaration that is in effect at the time of enactment and to any subsequent declarations. This ensures ongoing support for affected tenants and homeowners during emergencies.

Relevant Companies

• ALL - Allstate Corporation: As a major provider of homeowners insurance, Allstate may face claims pressures during disasters that could influence their financial stability.
• CG - The Hartford Financial Services Group: This company specializes in property and casualty insurance and could be affected by increased claims from natural disasters.
• WRB - W.R. Berkley Corporation: This insurance provider may see impacts related to claims and underwriting during disaster scenarios.