; (2) prioritize grants that yield the greatest return on investment for loss prevention and risk mitigation which benefit or target low and moderate income consumers and small businesses; and (3) prioritize the awarding of grants to States with the strongest building codes and which require property insurance policies that provide coverage for the catastrophe perils covered by the Program without excessively large deductibles as determined by the Secretary. (c) Low and moderate income consumers defined In this section, the term low and moderate income consumers means a consumer with an income of less than 120 percent of the median household income for the community. (d) Authorization of appropriations There is authorized to be appropriated to the Secretary to carry out this section— (1) $50,000,000,000 in 2026; (2) $55,000,000,000 in 2027; (3) $60,000,000,000 in 2028; (4) $65,000,000,000 in 2029; and (5) $70,000,000,000 in 2030. 4. Reports on relocation fund and earthquake coverage The Secretary shall not later than— (1) 2 years after the date of the enactment of this Act, submit to Congress a report on the feasibility of establishing a fund to relocate homes and businesses that have become uninsurable due to catastrophe perils; and (2) 3 years after the date of the enactment of this Act, submit to Congress a report on the feasibility of including earthquakes as a peril covered under the all-perils property insurance policy. 5. Assistance for low-income consumers (a) In general The Secretary shall, as amounts appropriated under this section allow, establish a grant program for States to provide financial assistance to low-income consumers for whom residential property insurance— (1) is required