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HUD Disaster Resources

HUD provides a variety of disaster resources listed below. We also partner with Federal and state agencies to help implement disaster recovery assistance. Under the National Response Framework the Federal Emergency Management Agency (FEMA) and the Small Business Administration (SBA) offer initial recovery assistance.

Mortgage Assistance from HUD's Federal Housing Administration (FHA)

For a Presidentially declared disaster, FHA activates a mortgagee letter making a variety of insured loan programs available for disaster victims and putting into play use of special loan servicing and underwriting requirements. Find out more.

 -   Mortgage Insurance for Disaster Victims (Section 203(h))
 -   FHA Section 203(k) Rehabilitation Mortgage Insurance
 -   Title 1 Home Improvement Loans
 -   Options Available for FHA Homeowners in Presidentially -Declared Disaster Areas
 -   Housing Notice 04-22, Disaster Recovery Guidance by Multifamily Housing After a Presidentially Declared Disaster

Assistance from Ginnie Mae

Ginnie Mae encourages all single-family, manufactured housing, and multifamily Ginnie Mae issuers offering forbearance to provide forbearance to mortgagors in areas receiving a Presidential disaster declaration. In certain instances, Ginnie Mae will assist issuers in their efforts to offer forbearance to mortgagors with pass-through payments. Get details on assistance here.

Community Development and Housing Assistance

Metropolitan cities, urban counties, and states may request that awarding of annual Community Development Block Grant (CDBG) and HOME Investment Partnerships (HOME) funds be expedited or that program year start dates be moved up. For activities in a disaster area, they may also request modification of some program requirements to facilitate disaster assistance. Find out more

Office of Fair Housing and Equal Opportunity

Notice for Housing Providers and Survivors in Natural Disaster Areas

The Office of Fair Housing and Equal Opportunity (FHEO) provides guidance on how to easily comply with the Fair Housing Act, how to avoid housing discrimination and how to seek help.

 -   Fair Housing Information for Housing Providers
 -   Fair Housing Information for Survivors

Policy Development & Research

HUD's Office of Policy Development and Research (PD&R) offers Disaster Response Toolkit (guidance on how to rehabilitate flooded homes, design & construction practices that promote moisture resistance & durability, preparedness for future disasters, and other relevant content) to aid in the recovery process. The reports in this Kit are available in print by calling the HUD USER Clearinghouse at (800) 245-2691, option 1 or can be downloaded for free from HUD USER. For a limited time, printed copies of the reports are available to those in storm-affected areas free of charge.