Hurricane Recovery Updates and Resources


The Florida Housing Coalition is working with our state partners, most notably, the Florida Housing Finance Corporation, as well as our national partners, including the NLIHC and Enterprise Partners, to assist all of our communities in Florida with disaster recovery. Our role will include advocacy for federal and state funding and technical assistance for recovery efforts at the local level.

The Florida Housing Coalition will begin having weekly updates on Hurricane Recovery each Friday at 1:30 pm, beginning September, 22, 2017.

Pasted below is pertinent info from some of our national partners.

Thank you for all each and every one of you are or will be doing to help in this recovery. Our members are the folks on the frontline- whether SHIP Administrator, nonprofit affordable housing provider, social service agency, or individual.


FHC Weekly Hurricane Recovery Webinar Sponsored by Fannie Mae

Fannie Mae- 2017

The Florida Housing Coalition’s Hurricane Update Webinars held every Friday at 1:30 pm are a critical piece of the work we are doing post-Irma.  We are very grateful to Fannie Mae for underwriting this program. The webinars are free and open to our members and all others in need of keeping apprised and updated on important information for recovery from Hurricane Irma.

The Florida Housing Coalition participates in weekly calls with the Florida Department of Emergency Management, the State Homeless Council, and the National Low Income Housing Coalition and other national and state partners. We convey information from those sources in one weekly webinar, so that webinar participants can efficiently get information, ask questions and return to working on recovery.

We will continue to have these webinars until long term recovery is underway and with support from Fannie Mae, we will prepare an electronic “Lessons Learned: Florida’s Recovery from Hurricane Irma, 2017” which will serve as a field guide for future disasters.

The Florida Housing Coalition invites you to participate in a weekly Member Update webinar scheduled for Fridays at 1:30 pm.  We want to keep our partners informed during the recovery process and make sure all of your questions are addressed.

Upcoming Webinars:


Past Webinars:

September 14- Webinar RecordingPowerPoint

September 7- Webinar RecordingPowerPoint

August 24- Webinar RecordingPowerPoint– Monroe County- Tiny Home/Innovative Housing Evaluation; Press Release; RFP- Tiny Home Construction and Demolition 

August 17- Webinar RecordingPowerPoint

August 10- Webinar RecordingPowerPoint

August 3- Webinar RecordingPowerPoint

July 27- Webinar RecordingPowerPoint

July 20- Webinar RecordingPowerPoint; Handout 1- Bills; Handout 2- FEMA TSA Extension to August 7

July 13- Webinar RecordingPowerPoint

June 29- Webinar RecordingPowerPoint

June 22- Webinar RecordingPowerPoint

June 15- Webinar RecordingPowerPointHandout

June 8- Webinar RecordingPowerPoint

June 1- Webinar RecordingPowerPoint – Housing Victims of Major Disasters Act of 2018Compass82 Get ReadyCompass82 Muck Out Tip Sheet

May 25- Webinar RecordingPowerPoint

May 18- Webinar Recording-  PowerPoint

May 11- Webinar Recording – PowerPoint

May 4- Webinar Recording – PowerPoint

April 27- Webinar Recording – PowerPoint

April 20- Webinar Recording – PowerPoint – Handout 2018-State-of-Florida-CDBG-PR-Action-Plan-draftHandout FGBC – Affordable Housing Low Cost Green Items v2

April 13- Webinar Recording – PowerPoint – Handout 1- TDC Prosperity Brief; Handout 2- CDBG-DR Irma Unmet Needs

April 6- Webinar Recording – PowerPoint – Handouts

March 23- Webinar Recording – PowerPoint – VAL Recovery Summary Report

March 16- Webinar Recording – PowerPoint

March 9 – Webinar Recording – PowerPoint

March 2, 2018- Webinar Recording –PowerPoint ; Handout- Hendry County IRMA aftermathWritten Consent to Share Client Information EXAMPLE

Feb. 23, 2018 Webinar Recording – PowerPoint

Feb. 16, 2018 Webinar Recording – PowerPoint

Feb. 9, 2018 Webinar Recording – PowerPoint

Feb. 2, 2018 Webinar Recording – PowerPoint

Jan. 26, 2018 Webinar Recording – PowerPoint

Jan. 19, 2018 Webinar Recording – PowerPoint

Jan. 12, 2018 Webinar Recording – PowerPoint

Jan. 5, 2018 Webinar RecordingPowerPoint

Dec. 15, 2017 Webinar Recording – PowerPoint

Dec. 8, 2017  Webinar Recording – PowerPoint

Dec. 1, 2017 Webinar Recording – PowerPoint

Nov. 17, 2017  Webinar Recording – PowerPoint

Nov. 3 Webinar Recording PowerPoint

Oct. 27 Webinar Recording

Oct. 22 Webinar Recording

Oct. 13 Webinar Recording

Oct. 6 Webinar Recording

Sept. 29 Webinar Recording

Sept. 22 Webinar Recording

The purpose of the weekly calls is to report information we have received as we communicate with national and state partners including the Florida Department of Emergency Management and the Hurricane Policy Group of the National Low Income Housing Coalition.

We will provide updates on resources that are under development to assist SHIP administrators and housing providers such as disaster assistance toolkits and resource guides.  Many of our members have a great deal of experience with hurricane recovery and we would like you to share lessons learned with others.  Please don’t be shy as all tips and questions are welcome!

We want to hear from our members about what they need to help with recovery from the Hurricane- so we can do our best to assist.  We are going to use Go To Webinar so we can control noise level, but this is intended to be a time when folks can share information, questions, concerns.

For more information, call the Florida Housing Coalition at 850-878-4219 or email at

Hurricane Resources for Local Governments
For information regarding hurricane resources for local governments, click here.

Florida Division of Emergency Management
For information from the Florida Division of Emergency Management, visit

Federal Emergency Management Agency (FEMA)
FEMA may provide Transitional Shelter Assistance (TSA) to applicants who are unable to return to their pre-disaster primary residence because their home is either unihabitaable or inaccessible due to a Presidentially-declared disaster. Click here for the FEMA TSA Fact Sheet.

U.S. Department of Veterans Affairs
The U.S. Department of Veterans Affairs provides disaster assistance for Veterans. Click here to view the VA Disaster Assistance Brochure.

Enterprise Community Partners
View Enterprise Community Partners step-by-step guide for do-it-yourselfers and contractors seeking to prevent mold-related health problems and save storm-damaged homes, Creating a Healthy Home: A Field Guide for Clean-up of Flooded Homes.

Enterprise Live Online Event “How to Restore Your Flooded Home: Addressing Mold & other Health-Related Hazards” on October 5, 2017.

The presentation slides and recording for this webinar can be found in the Enterprise Resource Center.

If your organization is interested in more information on relief and recovery grants, please see the Enterprise Hurricane Community Recovery Fund page of our website.


On September 11, the Federal Housing Administration (FHA) issued a reminder to mortgagees about its guidance for originating and/or servicing forward and reverse mortgages in areas covered by a Presidentially Declared Major Disaster Area (PDMDA). The following guidance applies to all areas covered by a PDMDA, including current PDMDA designations in Texas resulting from Hurricane Harvey, and any PDMDA designations resulting from Hurricane Irma:

  • FHA-insured mortgages secured by properties in a PDMDA are subject to a 90-Day foreclosure moratorium following the disaster.
  • In PDMDAs only, HUD provides mortgagees an automatic 90-Day extension from the date of the foreclosure moratorium expiration date to commence or recommence foreclosure action or evaluate the borrower under HUD’s Loss Mitigation Program.

Mortgagees should review complete servicing guidance in the Single Family Housing Policy Handbook 4000.1 (SF Handbook), Sections III.A.2 and III.A.3.c relating to the servicing of mortgages in PDMDAs.

In preparation for assisting homeowners with longer-term recovery efforts, mortgagees should also review:

  • FHA’s 203(h) Mortgage Insurance for Disaster Victims requirements in Section II.A.8.b of the SF Handbook. The 203(h) program allows FHA to insure mortgages for victims of a major disaster who have lost their homes and are in the process of rebuilding or buying another home.
  • FHA’s 203(k) Rehabilitation Mortgage Insurance Program requirements in Section II.A.8.a of the SF Handbook. The 203(k) program provides mortgage financing or refinancing which includes the cost of home repairs – both structural and non-structural – into the loan amount.

Mortgagees can find more information about the policies referenced above and other FHA PDMDA policies on the FHA Resource Center’s Online Knowledge Base.

Quick Links:


News from the U.S. Interagency Council on Homelessness- Disaster Planning and Recovery Resources for Homelessness Services Systems        

Our team at USICH has been inspired by the resilience of the communities affected by the recent hurricanes — and we stand ready to provide whatever support we can as recovery gets underway.

In the meantime, we’ve pulled together a few resources that can help communities plan for, respond to, and recover from disasters. Access the toolkits.

Affected by the hurricanes? Access disaster recovery information from the Department of Housing and Urban Development and the Department of Labor.

Talk Poverty- How Hurricane Response Efforts Are Sorting People into Deserving and Undeserving Poor

Enterprise Hurricane Recovery Fund Grants Program

Nonprofit organizations on the ground in regions devastated by this season’s multiple hurricanes are on the front lines of providing support and leadership to their communities.

Recognizing that nonprofits play a pivotal role in the aftermath of Hurricanes Harvey, Irma and Maria, Enterprise Community Partners announces a new funding opportunity for organizations delivering relief and recovery services.

  • Grants up to $50,000 are available for 501(c)(3) organizations serving homeowners, renters, and nonprofit owners/operators of multifamily affordable housing in storm-damaged regions.
  • Average grant awards will range from $10,000 – $50,000.
  • Grants may support a variety of short- and long-term disaster recovery activities and expenses.
  • Performance period: October 1, 2017, through September 30, 2018.
  • Grantees must incur costs and perform activities within this timeframe, and provide quarterly updates on grant activities.
  • The RFP is available via SlideRoom. Applications will be accepted on a rolling basis until all funds are committed.

Funding is made possible through the Enterprise Hurricane Community Recovery FundQuestions? Please contact
Click here to: Learn More or to Apply.


Florida Bar Foundation Assisting Floridians

  • The Florida Bar Young Lawyers Division, working in conjunction with the ABA Young Lawyers Section and FEMA, set up a Disaster Relief Hotline 1-866-550-2929 and an online request for assistance form.  Frequently asked questions they are ready to respond to  involve landlord/tenant and other housing problems, consumer protection matters, and home repair contracts.
  • Florida Free Legal Answers now has a Hurricane Irma category and a temporary increase of the qualifying cap is in effect so all Floridians can pose questions relating to Hurricane Irma.

The Florida Bar Foundation created a webpage with resources and volunteer opportunities for legal aid and pro bono attorneys, as well as information to help Floridians seeking civil legal aid. The Foundation has also created the Florida Hurricane Legal Aid Fund for donations to go directly to civil legal assistance for Floridians affected by Hurricane Irma and any subsequent hurricanes making landfall in Florida



Local Perspectives

  • Homeless forcibly removed. In Miami, any person experiencing homelessness that did not willingly go to a storm shelter was warned they  would be detained at a psychiatric institution. Dade County invoked the Baker Act to hold at least six people against their will. NARPA issued a statement opposing this tactic.
  • Inequality. While wealthier Miami residents have the luxury of generators and storm proof windows, low income residents stay because they have no option. Historically, county and city relief efforts reach these communities slowly.

Disaster Declarations- Florida

President Trump issued a major disaster declaration for Florida on September 10. FEMA has a webpage for Florida Hurricane Irma (DR-3347). In addition, Mr. Trump declared on September 8 that an emergency exists for the Seminole Tribe of Florida and ordered Federal assistance to supplement the Tribe’s response efforts. Specifically, debris removal and emergency protective measures, including direct federal assistance, will be provided at 75% federal funding.

All 67 counties in Florida are eligible to apply for Public Assistance (PA), making federal funds available to state, tribal, and eligible local governments, as well as certain private nonprofit organizations on a cost-sharing basis for debris removal and emergency protective measures, including direct federal assistance. For the 30-day period following the disaster declaration, assistance for emergency protective measures, including direct federal assistance, is authorized at 100% of the total eligible costs (instead of the standard 75%). Hazard Mitigation Grants are also available for all 67 counties at the 75% cost-sharing rate.

People in nine counties are eligible to apply for Individual Assistance (IA), which can include grants for temporary housing and home repairs, low-cost loans to cover uninsured property losses, and other programs to help individuals and business owners recover from the effects of the disaster. The forms of assistance include:

  • Rental payments for temporary housing. Initial assistance may be provided for up to three months for homeowners and at least one month for renters. Assistance may be extended after the initial period based on a review of individual applicant requirements.
  • Grants for home repairs and replacement of essential household items not covered by insurance to make damaged dwellings safe, sanitary, and functional.
  • Grants to replace personal property and help meet medical, dental, funeral, transportation, and other serious disaster-related needs not covered by insurance or other federal, municipality, and charitable aid programs.
  • Unemployment payments for up to 26 weeks for workers who temporarily lost jobs because of the disaster and who do not qualify for state benefits, such as self-employed individuals.
  • Low-interest loans from the Small Business Administration (SBA) to cover residential losses not fully compensated by insurance. Loans are available of up to $200,000 for primary residence, and of up to $40,000 for personal property, including renter losses. Loans are available up to $2 million for business property losses not fully compensated by insurance.
  • Loans from SBA of up to $2 million for small businesses, small agricultural cooperatives, and most nonprofit organizations of all sizes that have suffered disaster-related cash flow problems and need funds for working capital to recover from the disaster’s adverse economic impact. This loan in combination with a property loss loan cannot exceed $2 million.
  • Loans from the U.S. Department of Agriculture’s Farm Service Agency of up to $500,000 for farmers, ranchers, and aquaculture operators to cover production and property losses, excluding primary residence.
  • Other relief programs, including: crisis counseling for those traumatized by the disaster; income tax assistance for filing casualty losses; and advisory assistance for legal, veterans’ benefits, and social security matters.


JPMorgan Chase Announced Actions to help Consumers and Businesses
in FEMA-Declared Areas After Hurricane Irma

JPMorgan Chase announced three actions to help consumers and businesses in FEMA-declared areas after Hurricane Irma:

  1. Chase will automatically waive or refund the following fees through September 24 for its customers, as it did for Hurricane Harvey:
    • Late fees for mortgage, credit card, business banking and auto loans and leases
    • Overdraft, monthly service and ATM fees on deposit accounts
  2. Chase will automatically start a 90-day grace period to delay payment on mortgage and home equity payments. The bank will work together with customers on how to catch up on these payments. During the 90-day period, Chase won’t charge late fees or send negative information to the credit bureaus.  For more information, click here:
  3. To help small businesses rebuild, Chase will offer reduced interest rates on certain new loans and waive:
    • The origination fee for installment loans
    • The appraisal fee – up to $5,000 – for loans on owner-occupied real estate
    • The SBA Express guarantee fee for loans of $150,000 to the program’s maximum of $350,000; there isn’t a fee on smaller loans
    • The first-year annual fee for a business line of credit

For service, Chase customers can:

    • Use the Chase Mobile app to do their banking.  They can download it for free from the Apple App Store or the Google Play Store.
    • Check the branch locator on the Chase Mobile app and to see which branches are reopened.
    • Expect possible delays in call-answering times because some Chase centers are in areas of Florida affected by the hurricane.
    • Check the Hurricane Irma or Hurricane Harvey pages on or call the special-care line at 888-346-0023.

Wells Fargo Donates $1.1 Million for Hurricane Irma Relief Bank to Offer Fee, Credit Relief to Customers

Wells Fargo announced Sept. 11 that it is donating a total of $1.1 million to support Hurricane Irma relief efforts in Florida and the Caribbean. The company’s donation includes $500,000 to the American Red Cross Disaster Relief Fund, $500,000 to local nonprofits focused on relief efforts in the immediate future, and $100,000 to International Medical Corps as that organization engages in relief efforts in the Caribbean. Wells Fargo will continue to monitor Irma’s impact as the now tropical storm makes landfall in other states to determine how the company may assist there.
“Our thoughts and prayers are with everyone in Florida and the Caribbean who has endured Hurricane Irma and its destruction,” said Tim Sloan, Wells Fargo CEO & president. “Wells Fargo is committed to working with organizations and agencies to help our communities recover and we will determine the best way to support any additional efforts in the days and weeks ahead.”

Wells Fargo Customers Impacted by Hurricane Irma
Wells Fargo will provide payment relief for the next 90 days on credit cards, student loans, auto loans, home mortgage, home equity and retail small business loans and lines of credit in FEMA declared areas. There will be no negative credit reporting for those customers who receive payment relief. Impacted customers who are not in a FEMA declared area are also able to receive similar benefits by contacting Wells Fargo.

The bank is also proactively waiving or refunding fees for impacted consumers in FEMA declared areas; this includes late fees and debit card over-the counter cash disbursement fees, and our ATM fees for using non-Wells Fargo ATMs. Wells Fargo will also deploy mobile ATMs as soon as it is safe and feasible to do so. The company will share location information at the time of deployment.

After 90 days, customers who are still experiencing hardships should contact customer service to discuss additional relief options. Specific information regarding how customers should go about working with Wells Fargo on disaster assistance follows at the end of this release.

Wells Fargo Customers Who Would Like to Donate to Relief Efforts
From September 12 through September 25, Wells Fargo customers nationwide who wish to support American Red Cross hurricane relief efforts may do so by:

  • Using any Wells Fargo ATM in the U.S. and selecting the option to donate. There is no fee and 100% of contributions will be sent to the American Red Cross.
  • Redeeming any amount of available Go Far® Rewards for donation. Go Far Rewards customers can access their rewards account at or by calling the service center at 877-517-1358.

“Our customers have shown time and again their compassion for and commitment to helping friends, neighbors, and strangers alike to regroup and rebuild following the devastation of natural disasters,” said Jon Campbell, head of Corporate Responsibility and Community Relations. Since Aug. 29, Wells Fargo customers have so far donated nearly $1.7 million to the Red Cross at Wells Fargo ATMs, to support relief efforts for those impacted by Hurricane Harvey.


Farmers and Ranchers Affected by Hurricanes Harvey, Irma Granted Extra Time, Procedures, to Document and Claim Disaster Losses

Agriculture Secretary Sonny Perdue today announced special procedures to assist producers who lost crops or livestock or had other damage to their farms or ranches as a result of hurricanes Harvey and Irma. Also, because of the severe and widespread damage caused by the hurricanes, USDA will provide additional flexibility to assist farm loan borrowers.

“The impact is shocking and will be felt for many months,” said Secretary Perdue. “In addition to efforts being made on the ground to assist producers, we have taken a hard look at our regular reporting requirements and adjusted them so producers can take care of pressing needs first and mostly deal with documentation and claims later.  President Trump’s directive is to help people first and deal with paperwork second.  And that’s what USDA is doing.”

USDA’s Farm Service Agency (FSA), is authorizing emergency procedures on a case-by-case basis to assist impacted borrowers, livestock owners, contract growers, and other producers. The measures announced today apply only to counties impacted by a National Oceanic and Atmospheric Administration-determined tropical storm, typhoon, or hurricane, including Harvey and Irma that have received a primary Presidential Disaster Declaration and those counties contiguous to such designated counties.

Financially stressed FSA farm loan borrowers affected by the hurricanes who have received primary loan servicing applications may be eligible for 60 day extensions.  Full details are available at

A more complete listing of all of the special farm program provisions is posted at

Among the actions announced today are lengthened deadlines for certain provisions under the Marketing Assistance Loan (MAL) program, the Farm Storage Facility Loan Program (FSFL), and the Emergency Conservation Program (ECP), the Emergency Forest Restoration Program (EFRP), the Noninsured Crop Disaster Assistance Program (NAP), and the Tree Assistance Program (TAP).  Emergency grazing may also be authorized under the Conservation Reserve Program (CRP) for up to 60 days.

In addition, the deadlines to file a loss for the Livestock Indemnity Program (LIP) and the Emergency Assistance for Livestock, Honey Bees and Farm-Raised Fish (ELAP) are extended, and special provisions are provided for “acceptable proof of livestock death and inventory for livestock losses.”

Farmers and ranchers affected by the hurricanes are urged to keep thorough records of all losses, including livestock death losses, as well as expenses for such things as feed purchases and other extraordinary costs because of lost supplies and or increased transportation costs.

Producers with coverage through USDA’s Risk Management Agency (RMA) administered federal crop insurance program should contact their crop insurance agent for issues regarding filing claims. Those who purchased crop insurance will be paid for covered losses. Producers should report crop damage within 72 hours of damage discovery and follow up in writing within 15 days. The Approved Insurance Providers (AIP), loss adjusters and agents are experienced and well trained in handling these types of events.  For more information see

As part of its commitment to delivering excellent customer service, RMA is working closely with AIPs that sell and service crop insurance policies to ensure enough loss adjusters will be available to process claims in the affected areas as quickly as possible.

In anticipation of flooding due to Hurricane Harvey, RMA took several proactive steps to ensure the efficient and reliable delivery of the crop insurance program.   RMA authorized the use of emergency loss adjustment procedures to streamline certain loss determinations on specific crops and accelerated the adjustment of losses and issuance of indemnity payments to policyholders in all Texas and Louisiana counties impacted by Hurricane Harvey. RMA is reviewing the need for additional measures in response to Hurricane Irma.

USDA encourages all farmers and ranchers to contact their crop insurance agents and their local FSA office, as applicable, to report damages to crops or livestock loss. To find the FSA office nearest you, please visit  Additional resources to help farmers and ranchers deal with flooding and other damage may be found at