The civic record
Read. Follow. Verify.Texas creates low-interest flood recovery loan program for disaster victims
Last action · August 14, 2025: FiledSponsor: Wes Virdell
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What This Bill Proposed
Texas establishes a flood recovery loan program administered by the division to provide low-interest loans up to 200 percent of property repair or replacement costs for individuals and businesses affected by flood disasters. The program features delayed interest accrual for one year, terms up to 30 years, and potential principal loan forgiveness for low-income households and .
Property owners in declared disaster areas gain access to below-market rate financing for flood repairs, debris removal, and mitigation upgrades, backed by a dedicated state treasury fund capped at $500 million in disbursements through August 2027.
- The Texas Division of Emergency Management operates as part of the state's emergency response framework under Chapter 418 of the Government Code. context
- The Sunset Advisory Commission evaluates state agencies and programs periodically to determine whether they should continue operating. context
Who It Would Have Affected
Groups the bill's text would have affected, as described in the record. Being affected is not a position for or against it.
flood disaster victims
Eligible property owners may apply for low-interest loans, emergency expedited loans, and potential principal forgiveness to repair or retrofit flood-damaged property.
small businesses with fewer than 50 employees
Small business owners receive priority consideration for remaining loan funds after statutory allocations for primary residences and critical infrastructure are met.
actively producing agricultural operations
Agricultural operators are eligible to apply for program loans and receive priority for remaining fund disbursements to replace essential farm machinery and utility vehicles.
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Frequently Asked Questions
Who is eligible to apply for a flood recovery loan?
When does interest begin to accrue on the loans?
Can any portion of the loan be forgiven?
What else do you want to know?
News Coverage
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Votes, people, money & the original sourceWhere This Stands
This bill did not become law - Died at adjournment · introduced in the House.
Procedural history
1 action- Aug 14, 2025HouseIntroducedFiled
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Sponsors
Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
Creation of Dedicated Flood Loan Fund
The bill establishes a specialized treasury fund outside general revenue specifically earmarked for low-interest flood recovery loans and targeted debt forgiveness.
Connected Entities
Sources
capitol.texas.gov
Analysis Score
0–100- Significance20Lowered because this bill did not pass (its text scored 85)
- Controversy15Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz40Current news / social attention level
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