Federal Disaster Housing Stability Act of 2025

The Federal Disaster Housing Stability Act of 2025 would create temporary nationwide protections for tenants and homeowners in areas hit by a declared disaster. It establishes an eviction moratorium lasting 120 days from the disaster declaration, during which landlords and others may not initiate eviction filings, assess fees or higher rent related to nonpayment, deny re-occupancy to tenants who temporarily relocate, or remove tenants. It also restricts notices to vacate during this period. In addition, the bill imposes a 6-month foreclosure moratorium on covered mortgage loans for properties in the disaster area, stopping foreclosures or foreclosure-related actions (with a carve-out for vacant or abandoned properties). The act defines key terms (such as “disaster,” “disaster area,” and “covered dwelling”) and applies to disasters declared by the President, state governors, the District of Columbia, or Tribal governments, with effect for disasters in place at enactment or declared afterward. The goal is to stabilize housing and prevent displacement during emergencies, though the bill does not specify funding or enforcement mechanisms.