1. Short title and table of contents (a) Short title This Act may be cited as the Disaster Insurance Risk Equality Act . (b) Table of contents The table of contents for this Act is as follows: Sec. 1. Short title and table of contents. Sec. 2. Findings and purposes. Title I—NATIONAL DISASTER INSURANCE PROGRAM Sec. 101. Disaster insurance program. Title II—FEDERAL PROGRAM FOR REIMBURSABLE DISASTER RELIEF AND EMERGENCY ASSISTANCE Sec. 201. Findings and declarations. Sec. 202. Waiver of administrative conditions. Sec. 203. Emergency support teams. Sec. 204. Reimbursement. Sec. 205. Performance of services. Sec. 206. Reimbursement agreements and conditions. Sec. 207. Treatment of assistance. Sec. 208. Liability. Sec. 209. Advance of State expenditures. Sec. 210. Procedure for declaration of major disaster. Sec. 211. General Federal disaster assistance. Sec. 212. Essential disaster assistance. Sec. 213. Hazard mitigation. Sec. 214. Repair, restoration, and replacement of damaged facilities. Sec. 215. Debris removal. Sec. 216. Temporary housing assistance. Sec. 217. Unemployment assistance. Sec. 218. Crisis counseling assistance and training. Sec. 219. Community disaster loans. Sec. 220. Emergency communications. Sec. 221. Emergency public transportation. Sec. 222. Fire suppression. Sec. 223. Timber sale contracts. Sec. 224. Simplified procedure. Sec. 225. Appeals of assistance decisions. Sec. 226. Procedure for declaration. Sec. 227. Federal emergency assistance. Sec. 228. Amount of assistance. Sec. 229. Applicability. Title III—FEDERAL-AID HIGHWAYS Sec. 301. National standard for State participation in disaster insurance program. Sec. 302. Emergency relief program for repair of highways. 2. Findings and purposes (a) Findings The Congress finds that— (1) while disasters can strike anywhere within the United States, certain areas historically have been more susceptible or vulnerable to disasters