In a state where weather can turn fierce in a flash, Texas House Bill 305 is making waves—not with wind or water, but with hope. Filed on August 14, 2025, during the 1st Special Session of the 89th Texas Legislature, HB305 proposes the creation of a flood recovery loan program designed to support Texans who’ve been hit hardest by flood-related disasters.

Introduced by Representative Wesley Virdell [R], the bill aims to provide low-interest loans to individuals and families navigating the aftermath of flooding. Whether it’s damage to personal property, real estate, or the financial strain of rebuilding, HB305 seeks to offer relief where insurance and emergency aid may fall short.

Though still in its early stages—marked as “Introduced” with 25% progression—the bill has already sparked interest across emergency management circles, financial oversight boards, and property rights advocates. It’s a bipartisan issue wrapped in a partisan package, with the potential to reshape how Texas responds to natural disasters.

Flooding isn’t just a coastal concern. From the Hill Country to the Piney Woods, flash floods and rising waters have disrupted lives, displaced families, and drained local resources. HB305 could become a model for proactive recovery—empowering communities to rebuild with dignity and speed.

As the bill moves through committee review and public hearings, Texans are encouraged to follow its progress and voice their support or concerns. You can track updates and read the full bill text on the Texas Legislature’s official site.