The proposed legislation in Congress aims to address the American housing crisis by incentivizing changes to land use laws and speeding up housing development processes. However, concerns remain about the legislation's ability to adequately address current and future physical risks like extreme heat exposure, flooding, and wildfire risk. There is a need for stronger affordability mandates, ongoing funding, and reimagining land use to create a housing ecosystem that meets current and future needs, including those driven by climate change. Congress should prioritize strategies to reduce residential heat exposure, invest in retrofitting housing, establish an Eviction Helpline for tenants, reform disaster recovery policies, and invest in improving existing housing stock to mitigate the impact of climate-related disasters and housing challenges in the country. It is crucial for Congress to prioritize affordability, resilience, and climate solutions in shaping housing policy to avoid locking communities into risk.