The U.S. Department of Housing and Urban Development (HUD) announced the implementation of federal disaster assistance for South Dakota, supplementing state, tribal, and local recovery efforts in areas affected by severe storms, straight-line winds, and flooding from June 16 to July 8, 2024.
President Biden issued a major disaster declaration for the counties of Aurora, Bennett, Bon Homme, Brule, Buffalo, Charles Mix, Clay, Davison, Douglas, Gregory, Hand, Hanson, Hutchinson, Jackson, Lake, Lincoln, McCook, Miner, Minnehaha, Moody, Sanborn, Tripp, Turner, Union and Yankton. The aid includes grants for temporary housing and home repairs as well as low-cost loans to cover uninsured property losses.
Effective immediately:
- HUD is providing a 90-day moratorium on foreclosures of mortgages insured by the Federal Housing Administration (FHA) and 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.
Homeowners affected by the disaster are advised to contact their mortgage or loan servicer immediately for assistance. Conventional mortgage holders may also be eligible for additional relief through their mortgage holder.
For more information on FHA homeowner disaster relief options visit the FHA Disaster Relief site or call the FHA Resource Center at 1-800-304-9320.
- HUD's Section 203(h) program provides FHA insurance to disaster victims whose homes require reconstruction or complete replacement. Borrowers from participating FHA-approved lenders are eligible for 100 percent financing including closing costs.
- HUD's Section 203(k) loan program enables individuals to finance both the purchase or refinance of a house along with its repair through a single mortgage. Homeowners can also finance rehabilitation if their existing homes are damaged.
- Information on housing providers and HUD programs will be shared with FEMA and the State. This includes Public Housing Agencies and Multi-Family owners with available units in impacted counties.
- Recipients of Community Development Block Grant (CDBG), Housing Opportunities for Persons With HIV/AIDS (HOPWA), Continuum of Care (CoC), Emergency Solutions Grants (ESG), HOME Program funds can apply for administrative flexibility in response to natural disasters.
- Public Housing Agencies can apply for waivers and flexibilities needed for disaster relief and recovery following guidance in PIH Notice 2021-34.
- Tribes and Tribally Designated Housing Entities can apply for administrative flexibility through regulatory waivers by contacting their local Office of Native American Programs or emailing Codetalk@hud.gov.
- HUD-approved housing counseling agencies are available to assist those impacted by natural disasters with determining assistance needs and resources. Find an agency online or use the telephone look-up tool at (800) 569-4287 which offers access in over 200 languages.
- HUD's Office of Fair Housing and Equal Opportunity assists individuals who believe they have experienced housing discrimination following a disaster. Complaints can be filed by calling HUD at 1-800-669-9777 or visiting How to File a Complaint on HUD's website. Assistance is available in multiple languages; deaf or hard-of-hearing individuals may contact via Federal Relay Service at 1-800-877-8339.
