Texas Flood Recovery Program Helps Communities Rebuild Stronger

Texas is creating a new Flood Recovery, Reimbursement, and Reconstruction Program to help communities and residents recover from the July 2025 Hill Country floods. The program will be managed by the Texas Division of Emergency Management, working with the General Land Office and federal agencies. This law gives our state tools to respond quickly and fairly to flood damage.

The program provides two main types of help. First, it reimburses people and businesses for real and personal property losses caused by flooding. Second, it encourages property owners to rebuild in safer locations or above flood levels. This protects both people and the state's budget from future flood losses.

The program includes important safeguards to work efficiently. Applications will be processed online with automatic information pulled from Federal Emergency Management Agency claim data and county property records. The division must verify insurance denials within 15 business days and approve or deny applications within 30 calendar days. At least 15 percent of awards will be audited annually to ensure money is used correctly. People who are denied can appeal the decision through a formal process.

The program also sets building standards. Properties being rebuilt must meet resiliency standards that reduce flood risk. Construction plans must be approved before work starts. The division will share program information, award decisions, and audit results publicly on a dashboard updated every three months so our community can see how the program is working.