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
	Single Family Options Available in Presidentially -Declared Disaster Areas
	Housing Notice 04-22, Disaster Recovery Guidance by Multifamily Housing After a Presidentially Declared Disaster

Assistance from Ginnie Mae

For a Presidentially declared disaster, Ginnie Mae issues a memo, encouraging all single-family, manufactured housing, and multifamily Ginnie Mae issuers to provide forbearance to mortgagors in areas receiving a Presidential disaster declaration. Get copies of the memos.

Assistance for Public and Indian Housing

Reprogramming of Public Housing Funds. Public Housing Authorities may, with HUD approval, reprogram Public Housing Capital Funds to address damage to public housing property caused by the disaster. Generally, PHAs will submit plan change reqeusts to HUD who will expedite such requests. The funds help public housing agencies (PHAs) correct physical, management, or operating deficiencies and keep units in the housing stock safe and desirable homes for low-income families.

Disaster Housing Assistance. When requested by FEMA, HUD may administer a Disaster Housing Assistance Program to provide housing vouchers to disaster displacees. Find out more...

Capital Fund Emergency. PHAs that confront an emergency situation or a natural disaster are eligible to apply for and receive funds from the reserve if they comply with certain requirements. Learn more…

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. Read a fact sheet on more information on disaster recovery funds.