Disaster Housing Reform for American Families Act

S 5515 establishes a 5-year pilot program to accelerate temporary housing for disaster victims. It requires the federal government to contract with manufacturers or distributors of manufactured or modular homes to build housing meeting specific safety standards (like flood codes or the International Residential Code) within 90 days of a major disaster declaration. The housing must protect against natural hazards and can later be transferred to permanent affordable housing programs after the disaster ends. This directly affects individuals displaced by disasters and the eligible housing providers (manufacturers, distributors, or modular home producers) under the contract. The program terminates 5 years after the bill's enactment.