Disaster Recovery: Rural Areas Kentucky: Rebuilding After The Storm

Disaster Recovery: Rural Areas

Kentucky: Rebuilding After

The Storm

Mission Statement

Frontier Housing’s mission is to provide affordable housing solutions to build better communities.

What We Do

Services provided by Frontier:

• Homes built to the highest energy efficient

standards

• Energy-efficient renovations for existing

homes

• One-Stop-Shop with full lending, homebuyer

education and one-on-one counseling

services

Path of Destruction

Storm Statistics

• The March 2, 2012 storm was measured as

a Category EF3 tornado (with winds ranging

from 136 to 165 mph)

• Wind speeds were reported at 165 mph

• At its peak, the tornado was over 1 mile

wide.

Storm Damage Photos

Storm Damage Photos

Storm Damage Photos

Storm Damage Photos

Storm Damage Photos

Storm Damage Photos

Damage Statistics

In Frontier’s service area…

• 10 people lost their lives• 300 people injured• 850 homes were damaged/destroyed• Every business and government office in the

downtown district of West Liberty was destroyed

What We Did: Initial Outreach

Frontier answers the call for help

• Reached out to Judge Executives and Mayors in our

service area

• Committee formed by elected officials for purpose of

gathering and disseminating housing information

- Frontier Housing & Fahe

- Local CAP Agency

- FEMA

- Kentucky Housing Corporation (State HFA)

What We Did: Initial Outreach

Committee holds Community Housing Fairs

• Committee shared pertinent info with residents

- Resources available

- Loans

- Grants

- Rental assistance

- Who could help

- Contact information from various service/resource providers

- Information booths setup by banks, contractors, government

agencies and nonprofits

Advertising Frontier’s Services

Avenues we used

• Newspaper

• Ground campaign using flyers

• Social media

• Referrals from partner contacts

Funders & Partners

• Fahe

• Local banks

• Local CAP Agencies

• Kentucky Housing Corporation (State HFA)

• NeighborWorks® America

• Federal Home Loan Bank of Cincinnati

• USDA Rural Development

• Enterprise Community Partners

Special Programs and Funds

FHLB of Cincinnati – Disaster Recovery Program

• $5 million fund for residents of Kentucky, Tennessee, Ohio

• Maximum of $20,000 or 20% of purchase price or

construction cost, whichever is less

• Can be used for acquisition, new construction or rehab

• If rental was damaged/destroyed, qualified to purchase

existing or new construction

• Must have applied for FEMA assistance

• Serves incomes (130% of MRB limit for area) up to $82,680

for 1-2 persons, and up to $96,460 for 3 or more persons

Special Programs and Funds

NeighborWorks® America

• Special funds given to Frontier for

immediate disaster relief measures

• Funds designated to local CAP Agency to

determine greatest need

Obstacles

Challenges we are facing…

• Issues with lack of or very little homeowner’s insurance

(in some instances, property still mortgaged)

• Insurance coverage less than expected due to

depreciation (mobile homes titled as chattel)

• Inflated land costs

• Appraisal issues

• People leaving the community

• Poor credit

Families We Are Helping

Pre-approved and in various stages of process…

• New Construction - 15

• Home repairs/rehab - 2

• Pre-existing - 4

21

First Home Rebuilt: Before & After

Rosemary Hibbens

• Elderly mother with

disabled adult son

• Home was a complete loss

• Survived by seeking shelter in basement of

home

• New home is 50% complete

First Home Rebuilt: Before & After

First Home Rebuilt: Before & After