Phase II - Housing Needs Assistance Program
Guidelines
Homeowners who fit the following guidelines are asked to register for Phase II:
- You owned and occupied your home as your primary residence on August 29, 2005
- Your home was located in Harrison, Hancock, Jackson or Pearl River Counties
- Your home received flood surge damage as a result of Hurricane Katrina
- Your household income is at or below 120% of the Area Median Income (AMI)
Homeowners receiving Phase II assistance will be required to demonstrate the commitment to follow through on certain actions in exchange for compensation. They must sign a legally binding document, which provides for the following:
- Homeowner will maintain recommended structure and flood insurance.
- The home they own and occupy meets the applicable building codes and local ordinances.
- When rebuilding, the home they own and occupy complies with FEMA guidance for base flood elevations.
- If the home is manufactured housing, it will comply with HUD’s manufactured housing code and be elevated in accordance with FEMA advisory flood levels.
- Any homeowner that fails to meet all of these terms and conditions may be required to repay all or a prorated portion of the financial assistance provided through this program.
Special Needs
Grant awards for homeowners who meet the criteria for special needs will be calculated at 100% of the Uncompensated Damage. Those who meet the following criteria may be eligible for special needs assistance:
- Elderly – Age 65 or over as of grant closing date.
OR - Disabled – any person who has a physical or mental impairment that substantially limits one of more major life activities; has a record of such impairment; or is regarded as having such an impairment as defined by the Social Security Administration.
OR - Household income at or below 60% of AMI.