The "Fixing Emergency Management for Americans Act of 2025" aims to overhaul federal disaster management by establishing the Federal Emergency Management Agency (FEMA) as a cabinet-level independent agency. This new structure places the Administrator directly under the President, enhancing FEMA's authority and mission to reduce loss of life and property from all hazards through comprehensive emergency management. The bill transfers all existing FEMA functions and related legal authorities to this independent entity, including the creation of a dedicated Office of the Inspector General and a Working Capital Fund. The legislation introduces significant reforms to public assistance, including a new Section 409 for expedited repair, restoration, and replacement of public and private nonprofit facilities damaged by major disasters. Grants will be based on estimated costs to rebuild to current codes, incorporating mitigation measures, with a presumption of accuracy for cost estimates and a one-time adjustment for market fluctuations. The federal cost share is set at 75%, with incentives for states demonstrating resilience (up to 85%) and potential reductions for those failing to implement appropriate mitigation (down to 65%). Additionally, a task force is established to address the backlog of open declared disasters, aiming to close out cases where 90% of costs are validated, particularly those over 10 years old. To streamline processes, the bill allows states and tribal governments to receive block grants for small disasters as lump sum payments in lieu of traditional public assistance. It also reforms federal permitting by exempting certain repair and replacement actions from the National Environmental Policy Act (NEPA) if rebuilding to current codes in the same location, and provides expedited procedures for other environmental reviews. States can also assume federal environmental review responsibilities through agreements, and a unified interagency review process is mandated with FEMA as the lead agency. Individual assistance programs are also significantly reformed, starting with the establishment of a unified web-based interagency electronic information sharing system and a universal application for direct federal disaster assistance . The bill clarifies the duplication of benefits waiver authority, prohibiting income thresholds and applying it retroactively to 2016. It expands crisis counseling to include substance and alcohol use, and allows for minor repairs up to habitability for owner-occupied homes, enabling survivors to shelter in place. The legislation expands individual assistance for home repairs to include all homes "damaged by a major disaster," not just those "rendered uninhabitable," and incorporates hazard mitigation measures. It also improves housing assistance by extending temporary housing assistance to 24 months and ensuring that individuals without a fixed physical address are not disqualified from sheltering assistance if residency can be proven. Furthermore, it prohibits requiring credit cards or security deposits for non-congregate sheltering and allows financial assistance for the replacement of totally lost owner-occupied residences under certain conditions. Mitigation efforts are strengthened through the introduction of preapproved project mitigation plans for states and tribal governments, which, once approved through a peer-review process, are considered pre-approved for funding. The Hazard Mitigation Grant Program (HMGP) allocation is revised to a formula-based approach, ensuring funds are distributed based on factors like vulnerability, population, income, and economically distressed areas, with a minimum of $75 million dedicated to tribal governments. A new Residential Retrofit and Resilience Pilot Program is also established to provide grants for home retrofits. The bill mandates increased transparency and accountability across FEMA operations. This includes a new subpage on USAspending.gov for disaster assistance transparency , requiring federal agencies to publish detailed project and expenditure information. It also prohibits political discrimination in disaster assistance and requires FEMA to publish interactive public dashboards for both individual and public assistance data. The Government Accountability Office (GAO) is tasked with numerous reviews, including FEMA's transition to an independent agency, preliminary damage assessments, identity theft and fraud, insurance utilization, and the effectiveness of alerting systems. Finally, the legislation addresses workforce retention in noncontiguous communities and requires detailed justifications for major disaster declaration approvals or denials, considering local impacts and economic distress. A working group is also established to develop best practices for preparing for and responding to fast-moving disasters.