The U.S. Department of Housing and Urban Development (HUD) has announced federal disaster assistance for Missouri following severe storms, straight-line winds, tornadoes, and wildfires that occurred from March 14-15, 2025.
“HUD serves every American and works alongside communities to help rebuild homes, neighborhoods, and businesses after severe storms,” said Secretary Turner. “To support Missourians during this time of need, HUD is providing financial flexibility and disaster recovery resources to affected communities.”
This announcement follows a major disaster declaration issued by President Trump for the state.
Effective immediately, HUD is implementing several measures:
A 90-day moratorium on foreclosures has been put in place for mortgages insured by the Federal Housing Administration (FHA), as well as those guaranteed under the Section 184 Indian Home Loan Guarantee program for Native American borrowers. The moratorium also extends automatically to Home Equity Conversion Mortgages. These actions are effective as of the date of the President’s disaster declaration.
Homeowners whose properties were destroyed or significantly damaged may be eligible for FHA insurance through HUD’s Section 203(h) program. This allows disaster victims to obtain 100 percent financing from participating FHA-approved lenders, including closing costs.
HUD’s Section 203(k) loan program enables individuals to finance both the purchase or refinance of a house and its repair with a single mortgage. This option is available to homeowners seeking to rehabilitate their existing homes if they have sustained damage.
Information about available housing units will be shared with FEMA and Missouri officials. This includes data from Public Housing Agencies and multi-family property owners in affected counties. HUD will also connect FEMA and state authorities with experts on its programs.
Recipients of Community Planning and Development grants such as Community Development Block Grant (CDBG), Housing Opportunities for Persons With AIDS (HOPWA), Continuum of Care (CoC), Emergency Solutions Grants (ESG), HOME Investment Partnerships, and Housing Trust Fund programs can apply for administrative flexibility due to the Major Disaster Declaration in Missouri. More details about waivers or suspensions can be obtained through local Community Planning and Development Field Offices.
Public Housing Agencies may apply for necessary waivers related to disaster relief if located within areas covered by an active presidentially declared Major Disaster Declaration; applications must be submitted within four months of such a declaration. Guidance is available in the latest Federal Register Disaster Relief Notice online.
HUD-approved housing counseling agencies are prepared to assist residents impacted by these disasters regardless of whether they have an FHA-insured mortgage. Counselors can help determine needs and resources at no cost for foreclosure prevention counseling; services are accessible online or via phone in over 200 languages.
Finally, HUD’s Office of Fair Housing and Equal Opportunity offers assistance to those who believe they have experienced housing discrimination following a disaster. Complaints can be filed by phone or through HUD’s website; additional support is available for individuals who are deaf or hard of hearing via the Federal Relay Service.
For more information about specific programs or how to access these resources, residents are encouraged to contact relevant hotlines or visit official HUD web pages provided in public notices.
