Helping Florida homeowners and renters rebuild, recover, and find stability after disaster.
Verify Your Florida Disaster Relief Program Eligibility
The FHA 203(h) Loan program helps homeowners rebuild or replace their homes after a disaster.
This program is specifically designed for residents whose primary residence has been damaged or destroyed in an area declared a disaster by the federal government.
The FHA 203(h) mortgage offers special terms and streamlined application processes to make it easier and faster for affected individuals and families to rebuild their lives and homes.
No down payment required: Borrowers can finance up to 100% of the home’s purchase price or rebuild cost.
Flexible credit requirements: Recognizing disaster hardships, FHA allows flexible underwriting standards.
Low interest rates: FHA-insured loans generally offer lower interest rates.
Reduced closing costs: Lower closing costs help ease financial burdens during recovery.
Rebuilding flexibility: Can be used to rebuild your home from the ground up or purchase a new home entirely.
Your home must have been your primary residence.
Your home must be located in an officially declared federal disaster area.
You must apply within one year following the disaster declaration.
You must meet basic FHA underwriting standards regarding your income and credit profile (with flexibility for disaster impacts).
Florida Housing Authorities collaborate closely with state, local, and federal authorities to help residents impacted by natural disasters. This page provides essential resources, guidance, and information on various disaster recovery options.
We continually update these resources to reflect new relief programs and assistance options as they become available.
Program Type: Federal
Aid Amount: Up to $500,000
Usage: Assists farmers and ranchers in restoring essential physical property and paying necessary living expenses after a natural disaster.
Program Type: Federal
Aid Amount: Amount varies
Usage: Allows homeowners to finance both the purchase and rehabilitation of a home through a single mortgage after a disaster.
Program Type: Federal
Aid Amount: $131 to $325 per week
Usage: Provides temporary unemployment benefits to individuals who lost their jobs or self-employment due to the disaster and are not eligible for standard unemployment insurance.
Program Type: Federal
Aid Amount: Up to $33,000
Usage: Provides essential financial support for temporary housing, repairs, and immediate needs like food, water, and medical supplies.
Program Type: Federal
Aid Amount: Up to $2 million for businesses and $500,000 for homeowners
Usage: Offers low-interest loans to cover uninsured losses, repair damaged property, and address economic injury caused by the disaster.
Program Type: State
Aid Amount: Up to $50,000
Usage: Short-term, zero-interest loans to help businesses recover from physical damage or economic loss until they secure longer-term financial solutions.
Program Type: State
Aid Amount: Approximately $616 million in total
Usage: Helps low-to-moderate-income families repair or replace homes damaged by hurricanes.
Program Type: Federal
Aid Amount: Varies based on household size
Usage: Offers temporary food assistance for families affected by disasters, helping them purchase essential groceries during recovery.
Program Type: Federal
Aid Amount: Varies
Usage: Provides assistance to state and local governments for debris removal, emergency protective measures, and restoration of public infrastructure.
No. You can finance up to 100% of the purchase price or rebuilding cost.
You must apply within one year from the federal disaster declaration date.
FHA is flexible with credit scores after disasters, often accepting scores as low as 500–580.
Yes. Renters whose primary residence was destroyed can use FHA 203(h) loans to buy a home.
Yes. You can purchase a new home anywhere, not just in the disaster area.
Loan approvals can be expedited, typically taking 30–60 days after applying.
Yes. FHA mortgage insurance is required and included in your monthly payments.
Yes. You can refinance into another mortgage type once your situation stabilizes.
No. FHA 203(h) loans are for purchasing or rebuilding; improvements require a separate FHA 203(k) loan.
FEMA officially designates federal disaster areas. Your address must be in an area FEMA declared eligible.
Our experienced team specializes in helping Florida homeowners navigate FHA 203(h) loans. We understand the urgency after a disaster and provide clear guidance every step of the way—from application to approval.
With extensive knowledge of FHA disaster relief guidelines, we ensure you access the benefits you’re entitled to, quickly and efficiently. Our commitment is to help you rebuild and regain stability as soon as possible.
