Federal disaster aid finally reaches condo and co-op owners left behind
S. 352 — Disaster Assistance Fairness Act · Filed by Ted Budd (R-NC) · 1 cosponsor · Introduced Jan 30, 2025 · Referred to committee
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What it does
This bill amends federal disaster relief law to extend assistance to owners in condominiums, housing cooperatives, and residential common interest communities (like HOAs) when those shared-ownership properties are damaged by major disasters. Currently, disaster aid focuses on individual homeowners and renters; this bill ensures that when shared common elements—roofs, walls, elevators, utilities—are damaged, residents can access federal repair funds based on their proportional ownership stake, and that debris removal from these properties is treated as a public-interest priority.
Why we flagged it
The bill's sole function is to extend existing federal disaster assistance programs to a class of property owners (condo and co-op residents) previously excluded or underserved. It is a straightforward eligibility expansion with no hidden mechanisms or narrow beneficiaries.
What the text implies
- Disaster assistance funding will need to account for a larger eligible population; appropriations may face pressure if major disasters strike densely populated condo/co-op areas.
- State and local governments gain discretion to certify debris removal as public interest, potentially expanding federal cost-sharing for cleanup in shared-ownership communities.
- The bill's definition of 'essential common elements' (roof, walls, utilities, elevators) is illustrative but not exhaustive; disputes may arise over what qualifies as 'essential' in specific properties.
Section numbers refer to the bill text the analysis read — linked under Primary records below.
Who it affects
Millions of Americans live in condominiums, HOAs, and housing cooperatives; this bill extends federal disaster relief to them on equal footing with single-family homeowners, closing a gap that left shared-ownership residents bearing uninsured common-element repair costs after major disasters. The bill creates no new restrictions on citizens and expands access to existing federal assistance.
Who stands to gain
- Condominium owners and residents
- Housing cooperative members
- Residential common interest community members (HOA residents)
Named in the bill
Robert T. Stafford Disaster Relief and Emergency Assistance Act, President (disaster declaration authority), State and local governments, Residential common interest communities, Condominiums, Housing cooperatives
Where it stands
1 cosponsor: 1 Republicans.
- Jan 30, 2025 — Introduced · Congress.gov: “Introduced in Senate”
- Jan 30, 2025 — Referred to Senate Committee on Homeland Security and Governmental Affairs · Congress.gov: “Read twice and referred to the Committee on Homeland Security and Governmental Affairs”
Dates and quoted wording are Congress.gov's action record; the timeline shows status changes, not every procedural step.
Money around this bill
3 lobbying clients named this bill on 5 disclosure filings across 2 quarters, Dec 2025 to Jun 2026. Those filings disclosed $90,000 in lobbying spend. A filing names 7 bills on average, so that figure is what each filing reported, not a share belonging to this bill.
More lobbying clients named this bill than 61% of bills with at least one filing.
Ted Budd, the sponsor, reported $296,750 in PAC receipts in the 2026 cycle.
- Community Associations Institute — $60,000 on 2 filings
- Community Associations Institute — $30,000 on 1 filing
- Cornerstone Government Affairs Obo Community Associations Institute — $0 on 2 filings
Lobbying Disclosure Act filings through Jul 20, 2026. A filing shows who paid to lobby on a bill it names, not what changed.
How this was measured
Analysis — Quorum's AI read the bill text published by Congress.gov (3,625 characters) on Sep 26, 2026. Section numbers in the findings refer to that text, linked below; transparency and hidden-provision scores are compared against the median of 15,166 analysed bills.
Status and sponsors — Congress.gov's bill record — actions, committee referrals and cosponsors — loaded nightly. The timeline shows status changes, not every procedural action.
Money — Senate Lobbying Disclosure Act filings whose specific-issue field names this bill for quarters ending Dec 2025 to Jun 2026. A filing's amount is reported whole beside the median number of bills a filing names; it is never divided across them. PAC receipts are FEC-reported contributions to the sponsor's candidate committee in the 2026 cycle.
As of — lobbying records through Jul 20, 2026 · page rendered 2026-09-26.
“Federal disaster aid finally reaches condo and co-op owners left behind” QuorumCivic. https://share.quorumcivic.app/bill/119/s352 Report an error