The purpose of this legislation, known as the Preventing Environmental Hazards Act of 2025, is to enhance the National Flood Insurance Program by providing coverage for damages caused by shoreline erosion. This aims to protect property owners whose structures are at risk of collapse or subsidence due to erosion along lakes and other bodies of water. Key provisions of the Act include new coverage options for flood insurance. If a structure is deemed unsafe for habitation due to erosion, the insurance program would cover costs for demolition or relocation.