Upload
osborn-eaton
View
215
Download
0
Embed Size (px)
Citation preview
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