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The Program provides construction services for rehabilitation or reconstruction of storm-damaged single-family homes. Funds are paid directly to Program-selected contractors and not to the homeowner. Eligible homes include stick-built, modular, and mobile homes.

No. HRRP funds cannot be used to purchase a new home or pay rent. The Program assists only with repairing or reconstructing owner-occupied homes damaged by the qualifying disasters.

Assistance is provided as a grant, not a loan.

Your property taxes may change if the new home differs in size or value from your previous home. The Program does not control county tax assessments.

No. The HRRP will not pay off or reduce any existing mortgage debt. Homeowners must be current on their mortgage or on a payment plan in good standing to qualify.

Yes. The Mississippi Development Authority-Community Incentives Division (MDA-CID) ensures all applicants have meaningful access to the program consistent with the Civil Rights Act of 1964. Applicants who need language interpretation, disability accommodation, or other assistance may request support through their assigned case manager.

Yes. You can receive updates by visiting mshousingrecovery.com, following the MS Housing Recovery Facebook page, or joining the Program email list.

No. There is no cost to apply or participate in HRRP. However, applicants may be responsible for resolving a Duplication of Benefits (DOB) gap if they previously received other recovery funds for the same purpose.

The application process requires the collection and verification of several documents. This process can take several rounds of communication between case managers and homeowners. You may always check the status of your application by calling your case manager.

Once the application has been approved, we must coordinate efforts between the state, the contractor, the homeowner and any other necessary parties. Sometimes this coordination of effort can seem slow, but please understand that we will do our best to provide honest and reliable communication throughout the process. You are always welcome to reach out to your assigned case manager should you have any concerns.

Though we strive to deliver homes on time, construction can be delayed by factors outside of our control, such as weather. If your home is not expected to meet the established timeline for any reason, your case manager will be in regular contact with you and the builder.

To be eligible to apply, you must meet the following criteria:

• You must have owned the home at the time of the qualifying disaster, and the damaged property must have been your primary residence;
• You must still own the home;
• You must have unrepaired damage from the qualifying disaster;
• The home must be an eligible structure type: stick-built (traditional), modular, or manufactured housing unit;
• The home must be located in one of the following HUD-MID areas:
  • Hinds County
  • Humphreys County (ZIP codes 39038 and 39166)
  • Jackson County (ZIP code 39563)
  • Monroe County (ZIP code 38821)
  • Scott County
  • Sharkey County
• You must provide all necessary documents to complete an eligibility review and award determination.

HUD identified Mississippi’s “Most Impacted and Distressed” (MID) areas using federal disaster and damage data. Only those areas can receive CDBG-DR housing recovery funds.

No. The program only assists homeowners who owned and occupied the home as their primary residence at the time of the qualifying disaster.

Applicants in this situation are encouraged to apply. Because of the complexity of the situation, each case must be reviewed on a case-by-case basis.

Yes. Applicants with no income must complete a Certification of No Income form as part of the application.

Possibly. The program will review all assistance you received. Funds that were not used for repairs may count as a Duplication of Benefits (DOB) and reduce your eligible award.

No. Receiving benefits such as SNAP or food assistance will not negatively affect your eligibility.

You can submit current income documentation such as pay stubs, Social Security or pension letters, unemployment benefit letters, or a Certification of No Income, if applicable. For a list of all acceptable documents of income, please review the HRRP application document checklist.

Provide your most recent income documentation and notify your case manager of any change in income during the review process.

The home you are requesting assistance with must have been your primary residence at the time of the Qualifying Disaster. Vacation and second homes are ineligible.

Your deed should be on file at your county courthouse. The Program will help verify ownership through state and county records to reduce what you need to provide.

If you are in a flood hazard area you will be required to maintain flood insurance coverage in perpetuity. The Program will pay for the first-year of flood insurance coverage. While homeowners insurance for individuals not located in a flood hazard area is not a requirement, not securing insurance may impact your ability to be served in future CDBG-DR programs.

Eligible mobile homes may be repaired if less than five years old and repair costs are under $15,000. Older or severely damaged units will be replaced with stick-built homes of comparable size provided that the homeowner owns the land, is able to secure ownership of the land, or is able to provide an alternate site owned by the homeowner that meets the criteria to provide a stick-built structure on the site.

Your case manager will be able to provide you with the most detail about the determination of ineligibility. Reasons may include lack of ownership at the time of disaster, property location outside an eligible area, non-LMI income, or incomplete documentation. If you believe this determination was made in error, you may appeal the determination through the HRRP Appeals Process.

It depends on your scope of work. Minor repairs may take weeks; complete reconstruction may take several months. Your case manager will keep you updated on timelines.

Homeowners are expected to secure temporary living arrangements while construction is underway at their property, if the scope of work requires temporary relocation. For example, homeowners may stay with friends and family while construction is underway or may elect to find a short-term rental if they desire but would be responsible for the cost.

The Program will provide applicants who qualify for a reconstruction award with standard program floorplan homes.  Reconstructed homes will have a comparable functional layout that meets HUD’s decent, safe, and sanitary standards but may not match your prior square footage.

Yes. Reasonable accommodations and accessibility features will be incorporated upon request and verified need.

No, there will not be a lien placed on the home.

Yes. The Program takes the security of personal information very seriously. Data is stored in secure systems with strict privacy controls.

Clear photocopies or digital scans are acceptable. Originals may be verified at intake if needed.

Yes. Applicants may request assistance completing the application by phone or in person at local intake centers.  If you need further assistance, please notify your case manager and we can coordinate appropriately.

Yes. Applicants may mail completed forms and documents to:

Mississippi Development Authority
Community Incentives Division – Disaster Recovery
P.O. Box 849
Jackson, MS 39205

All applicant information is protected under federal and state privacy laws. The Program uses encrypted systems and program staff is thoroughly trained in the handling of private data. Your privacy is of utmost importance.