Federal aid supports state, tribal, and local recovery for June 2024 Minnesota storms and flooding.

WASHINGTON - The U.S. Department of Housing and Urban Development (HUD) announced the implementation of federal disaster assistance for the state of Minnesota and ordered federal aid to supplement state, tribal, and local recovery efforts in the areas affected by severe storms and flooding beginning on June 16, 2024, and continuing. President Biden issued a major disaster declaration for Blue Earth, Carver, Cass, Cook, Cottonwood, Faribault, Fillmore, Freeborn, Goodhue, Jackson, Lake, Le Sueur, Murray, Nobles, Pipestone, Rice, Rock, St. Louis, Steele Wabasha Waseca Watonwan Counties.

Effective immediately HUD is:

Providing a 90-day moratorium on foreclosures of mortgages insured by the Federal Housing Administration (FHA) as well as foreclosures of mortgages to Native American borrowers guaranteed under the Section 184 Indian Home Loan Guarantee program. There is also a 90-day extension granted automatically for Home Equity Conversion Mortgages. The moratorium and extension are effective as of the President’s disaster declaration date.

Homeowners affected by the disaster should contact their mortgage or loan servicer immediately for assistance. Conventional mortgage holders may also be eligible for additional relief through their mortgage holder.

Call the FHA Resource Center at 1-800-304-9320 for additional information. To learn more about disaster relief options for FHA homeowners visit the FHA Disaster Relief site.

Making mortgage insurance available - When homes are destroyed or damaged to an extent that required reconstruction or complete replacement HUD’s Section 203(h) program provides FHA insurance to disaster victims. Borrowers from participating FHA approved lenders are eligible for 100 percent financing including closing costs.

Making insurance available for both mortgage and home rehabilitation - HUD's Section 203(k) loan program also allows individuals to finance the purchase or refinance of a house along with its repair through a single mortgage. Homeowners can also finance the rehabilitation of their existing homes if damaged.

Sharing information on housing providers and HUD programs - Information will be shared with FEMA and the State on housing providers that may have available units in the impacted counties including Public Housing Agencies and Multi-Family owners. The Department will also connect FEMA and the State to subject matter experts to provide information on HUD programs and providers.

Providing flexibility to Community Planning and Development Grantees - Recipients of Community Development Block Grant (CDBG) Program Housing Opportunities for Persons With HIV/AIDS (HOPWA) Program Continuum of Care (CoC) Program Emergency Solutions Grants (ESG) Program HOME Program Housing Trust Fund (HTF) Program funds can apply for needed administrative flexibility in response to natural disasters. For more information on applying for a waiver or suspension of program requirements contact your local Community Planning and Development Program Office here.

Providing flexibility to Public Housing Agencies - Public Housing Agencies can apply for needed waivers and flexibilities for disaster relief and recovery. For detailed information on applying for a waiver click here for the latest Federal Register Disaster Relief Notice guidance. The Department also released PIH Notice 2021-34 which advises the public of HUD's expedited process for waivers and flexibilities from HUD regulatory and administrative requirements for various Public Housing and Voucher Programs. As a reminder to be eligible to receive a disaster waiver PHA must be located in an active Presidentially declared Major Disaster Declaration area submitted within four months of an MDD.

Providing flexibility to Tribes - Tribes their Tribally Designated Housing Entities can apply needed administrative flexibility through regulatory waivers For detailed information on how apply waiver Tribes TDHEs should contact their local Office Native American Programs email Codetalk@hud.gov

Ensuring HUD-approved housing counseling agencies are ready assist - HUD-approved housing counseling agencies have counselors available assist those impacted by natural disasters determine assistance needs available resources Find HUD-approved housing counseling agency online use telephone look-up tool calling (800)569-4287 Telephone look-up includes access information more than different languages You do not have FHA-insured mortgage meet with HUD-approved housing counseling agency There never fee foreclosure prevention counseling

Assisting with housing discrimination - Housing discrimination sometimes occurs when people attempt find access housing following disaster HUD's Office Fair Housing Equal Opportunity available assist people who believe they have experienced housing discrimination If you think your rights have been violated you should file fair housing complaint with HUD You can file complaint calling HUD at 1-800-669-9777 visiting How File Complaint on website Materials assistance are available persons limited English proficiency Individuals who deaf hard hearing may contact Department using Federal Relay Service at 1-800-877-8339 You should file complaint with soon possible May not help if filed more one year after last discriminatory act You may able file complaint with state local fair housing agency A list state local fair housing agencies funded by is available website here