1. Short title This Act may be cited as the Disaster Resiliency and Coverage Act of 2024 . 2. Individual household disaster mitigation program Title II of the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 5131 et seq. ) is amended by adding at the end the following: 206. Individual household disaster mitigation program (a) Establishment The President shall establish a program to provide grants to States and Indian tribal governments for qualifying pre-disaster mitigation activities on individual residential households that are at risk of being damaged by a major disaster. (b) Establishment of eligible disaster areas In carrying out the program under this section, the President shall— (1) establish eligible disaster areas, in consultation with States, that the President determines to be at risk of a natural hazard, including— (A) a description of the type, likelihood, and severity of each potential natural hazard affecting each such risk area; and (B) by taking into account previously declared major disasters impacting such areas; and (2) provide technical assistance to the States or Indian tribal governments in developing the plan described in subsection (c) and administering grants provided for individual households under the program. (c) Plan for eligible activities To be eligible for a grant under this section, a State or Indian tribal government shall submit to the President a plan that includes— (1) each disaster risk area established by the President under subsection (b) in which the State or Indian tribal government proposes to provide funds under the program; (2) an assessment of the status of the availability and affordability of homeowner insurance coverage in each such risk area; (3) a list of each qualifying mitigation activity that is eligible for funds in each such risk area