HUD is providing Mississippi storm disaster housing aid for residents impacted by the March 2025 storms, flooding, and tornadoes. HUD is providing a broad range of support, from foreclosure relief to flexible loans and public housing assistance. These emergency measures are designed to help Mississippians begin rebuilding their homes, lives, and communities after devastating weather events.
HUD Secretary Scott Turner announced the aid alongside a Presidential Major Disaster Declaration for the state of Mississippi.
“HUD serves every American and works alongside communities to help rebuild homes, neighborhoods, and businesses after severe storms.”
Mississippi HUD Disaster Aid Begins with Foreclosure Protection
Immediately following the declaration, HUD issued a 90-day moratorium on foreclosures for:
- FHA-insured mortgages
- Mortgages under HUD’s Section 184 Indian Home Loan Guarantee Program
- Home Equity Conversion Mortgages (HECMs)
These actions provide critical breathing room for families facing housing insecurity in disaster-affected areas. HUD’s Office of Native American Programs has also reminded lenders and servicers of these protections.
For details, contact the FHA Resource Center at 1-800-304-9320 or visit the FHA Disaster Relief site.
HUD Mortgage and Repair Loans for Storm Recovery
To support long-term recovery, HUD is activating two key loan programs for Mississippi storm disaster housing aid:
- Section 203(h): Offers 100% FHA-insured financing for homeowners needing to rebuild or replace destroyed properties—including closing costs.
- Section 203(k): Allows residents to purchase or refinance and repair a home through one mortgage. This supports both buyers and existing homeowners.
These tools help residents quickly begin the work of rebuilding without the burden of multiple loan products.
Learn more on HUD’s Disaster Resources page.
Connecting Residents to Emergency Housing and Support
HUD is also working closely with FEMA and state agencies to match residents with available housing options. This includes:
- Vacancy updates from Public Housing Agencies (PHAs)
- Outreach to multifamily housing providers
- Access to subject matter experts for navigating HUD programs
This collaboration ensures that emergency housing is distributed equitably and efficiently to those in greatest need.
Administrative Flexibility for Local Recovery Programs
Grantees of federal housing and development programs in Mississippi can now request waivers to redirect funds toward disaster response. These include:
- Community Development Block Grant (CDBG)
- HOME Investment Partnerships
- Emergency Solutions Grant (ESG)
- Housing Trust Fund (HTF)
- Continuum of Care (CoC)
- Housing Opportunities for Persons With AIDS (HOPWA)
To apply for these waivers, contact your local CPD Field Office.
Additionally, Public Housing Agencies (PHAs) in affected areas have the option to request waivers through HUD’s Disaster Relief Notice process. These must be submitted within four months of the disaster declaration. See waiver details in the Federal Register.
Free Housing Counseling and Discrimination Protection
Free Help from HUD-Approved Housing Counselors
Counselors are available to:
- Help homeowners explore mortgage relief
- Assist with housing transitions
- Explain federal recovery programs
Call 1-800-569-4287 or find an agency here. Services are always free and offered in more than 200 languages.
Reporting Housing Discrimination
Disasters can worsen housing discrimination, particularly for vulnerable groups. If you believe your rights have been violated:
- File a complaint at HUD Fair Housing
- Call HUD at 1-800-669-9777
- Deaf/hard of hearing? Use the Federal Relay Service at 1-800-877-8339
File within one year of the incident to ensure protection under the law.
Rebuilding Mississippi with Flexibility and Urgency
Senator Cindy Hyde-Smith, Chair of the Senate Transportation-HUD Appropriations Subcommittee, emphasized the importance of this assistance:
“I appreciate HUD for making resources available… I hope areas covered by the disaster declaration can make good use of these tools.”
The Mississippi storm disaster housing aid package from HUD ensures affected communities have real, flexible tools to start again. Whether through mortgage relief, home rehabilitation loans, or emergency shelter coordination, HUD is actively helping residents rebuild stronger and safer.
Need immediate help?
Visit hud.gov/disasterresources. Or call the FHA Resource Center at 1-800-304-9320
