H.R. 3161

Preventing Environmental Hazards Act of 2025 This bill expands National Flood Insurance Program (NFIP) coverage to include the demolition or relocation of certain coastal structures that are facing imminent collapse or subsidence. Specifically, NFIP must pay for demolition or relocation for NFIP-insured structures that are condemned or deemed unsafe by state or local authorities due to the threat of imminent collapse or subsidence from shoreline erosion or that meet other location criteria. The bill sets forth provisions for the valuation of the structure, the maximum claim to be paid, and the terms of coverage termination. This bill applies to structures covered by NFIP (1) for a period of 12 months on or before the date of the bill’s enactment, or (2) for a continuous period of 4 years prior to certification for coverage established by this bill.