This bill directs the Secretary of the Interior to create a federal grant program helping low-income homeowners and renters make their properties more resistant to climate-related hazards like flooding, wildfires, extreme heat, and storms. Grants would flow through states, tribes, and Native Hawaiian organizations to eligible property owners—including low-income homeowners, affordable housing providers, and manufactured home communities—who would use the funds for home modifications and natural solutions to reduce climate risks. The program prioritizes communities facing the greatest climate threats but with the fewest resources to adapt. The bill authorizes $250 million annually from 2026 through 2031 for the Interior Department to administer grants, plus $2 million yearly through 2028 for the National Institute of Standards and Technology to develop building and adaptation guidelines. Key protections include requirements that multifamily building owners receiving funds cannot displace residents without providing comparable replacement housing, cannot raise rents due to funded improvements for at least two years, and must allow residents to return after construction.