HUD helps victims of Colorado wildfires


The U.S. Department of Housing and Urban Development (HUD) announced it is offering federal disaster assistance for areas of Colorado affected by straight-line winds and wildfires from Dec. 30 that continue to persist. On January 1, President Biden released a major disaster declaration to make federal funding available to those affected in Boulder County, Colorado.

Effective immediately, the HUD is:

  • Provide immediate relief in case of eviction in the counties covered by the declaration of major disaster: The HUD’s automatic 90-day moratorium on foreclosures on Federal Housing Administration (FHA) insured mortgages began on the date of the presidential declaration of major disaster, and foreclosures on mortgages to Native American borrowers guaranteed under the ‘Section 184 of the Indian Home Loan Guarantee Program.
  • Make mortgage insurance available: HUD’s Section 203 (h) program provides FHA insurance to disaster victims whose homes have been destroyed or damaged to such an extent that reconstruction or replacement is necessary. Borrowers from participating FHA Approved Lenders are eligible for 100% financing, including closing costs.
  • Make insurance available for mortgages and home renovations: HUD’s Section 203 (k) Loan Program allows those who have lost their home to finance the purchase or refinancing of a home as well as its repair through a single mortgage. It also allows homeowners who have damaged homes to finance the rehabilitation of their existing home.
  • Sharing information about housing providers and HUD programs: HUD will share information with the Federal Emergency Management Agency (FEMA) and the state on housing providers who may have units available in affected counties. This includes public housing agencies and owners of collective housing. The HUD will also connect FEMA and state officials with subject matter experts to provide information on HUD programs and providers.
  • Provide flexibility to beneficiaries of community planning and development: Beneficiaries of the Community Development Block Grant (CDBG) program, the Housing Opportunities for Persons With HIV / AIDS (HOPWA) program, the Continuum of Care (CoC) program, the Emergency Solutions Grants (ESG) program, the HOME program and the Trust Fund for Housing (HTF) Program funds may request the administrative flexibility needed in response to natural disasters.
  • Offer flexibility to HLM agencies: Agencies can request the necessary administrative flexibility through disaster exemptions. HUD also released PIH Notice 2021-34 on December 9, which allowed administrative flexibilities to waive or establish alternate requirements for many legal and regulatory requirements for various public housing programs.

HUD’s help to homeowners in Colorado follows the Department’s announcement of assistance to victims of recent tornadoes in Arkansas in late December and those who fell victim to tornadoes in Kentucky in mid- December.

Community Development Block Grants Program (CDBG) Continuum of Care Program (CoC) Emergency Solutions Grants Program (ESG) Federal Emergency Management Agency (FEMA) Program HOME Home Rehabilitation Program Housing Opportunities for Living People with HIV / AIDS (HOPWA) HUD Program Section 203 (h) HUD Mortgage Insurance Section 203 (k) PIH Notice 2021-34 Section 184 Indian Mortgage Guarantee Program US Department of Housing and Urban Development ( HUD)

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