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

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.

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...

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.

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
	Información de vivienda justa para los sobrevivientes

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.