Hurricane Katrina: Housing Recovery in Mississippi Presented at Post Disaster Economic Redevelopment

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Hurricane Katrina Housing Recovery in
Mississippi Presented at Post Disaster
Economic Redevelopment Planning Workshop, Palm
Beach FLApril 19, 2006Mississippi Governors
Office of Recovery and Renewal
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(No Transcript)
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Wind Speeds
With the exception of a small portion of the MS
coast, wind speeds were generally less than a
current design speeds (per ASCE 7)
Wind Swath contour plot (3-second gust at 10
meter elevation) based on HAZUS-MH wind field
methodology (ARA)
Source FEMA MAT Presentation
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• THANK YALL

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Source FEMA MAT Presentation
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Ocean Springs to Biloxi
Bay St. Louis
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U.S. 90 and Courthouse Road in Gulfport
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Casino Magic barge, and St. Michael Catholic
Church
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Hard Rock Café Hotel Casino
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The Marine Life Aquarium in Gulfport
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The Isle of Capri Casino
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Residential Property Damages
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FEMA Statistics

• FEMA has obligated more than 7.3 billion in
  federal funding to aid Mississippians through
  various Individual Assistance, Public Assistance
  programs and mission assignments
• Registrations - 516,000 Mississippians have
  registered for assistance
• National Flood Insurance Program (NFIP) has paid
  more than 2.1 billion in flood insurance claims
  to policyholders in Mississippi
• The U.S. Small Business Administration (SBA)
  Disaster Assistance Program has approved more
  than 2 billion in low-interest loans for
  homeowners, renters and business owners
  throughout Mississippi
• Individuals and Households Program (IHP) - More
  than 1.1 billion in assistance has been
  disbursed to more than 272,000 Mississippi
  households
• Debris Removal - Nearly 39 million cubic yards of
  debris has been removed but about 7 million cubic
  yards of debris is left.
• Emergency Temporary Housing- More than 101,000
  people are temporarily housed in nearly 37,500
  FEMA-provided travel trailers and mobile homes

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Housing Damage Owner Occupied(Hancock,
Harrison and Jackson Counties as of February
2006)
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Housing Damage Renter Occupied (Hancock,
Harrison and Jackson Counties as of February
2006)
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Renewal on the Horizon

• Sept. 2005 Established Governors commission
• October 2005 Renewal Forum
• October 2005 Request Supplemental Funds from
  Congress
• December 2005 Governors Commissions Final
  Report
• January 2006 Governors Office of Recovery and
  Renewal
• January 2006 Funding Announcement
• April 2006 Homeowners Assistance program
• April 2006 Housing Recovery Strategic Planning
  

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GC Recommendations-Housing

• Housing needs assessment
• A best practices assessment should assess
  building technologies, model codes, and zoning
  ordinances
• Establish stringent minimum building safety codes
  based on the latest International Building Code
  (IBC) and International Residential Code (IRC) as
  well as hurricane and flood resistance codes
• Affordable permanent housing
• Energy-efficient mortgage programs and
  location-efficient mortgage programs, along with
  a housing durability component
• New high density, mixed use affordable housing
  project

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GC Recommendations-Land Use

• Land use ordinances should include mixed use
  alternatives which promote walkability
• Land use and economic development decisions
  should accommodate and be sensitive to the
  protection of existing natural areas including
  watersheds, wetlands, urban forests, and natural
  habitat
• Local governments should consider the feasibility
  of shared water and sewer systems while
  maintaining a sense of community identity
• A central Design Center should be created to
  offer technical assistance and expertise to local
  governments.
• Each city and county should adopt the Smart Code
  as a model code for new zoning

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Issues In Housing Recovery

• Damage Assessment and Housing Analysis
• Policies Building code, ABFE, Substantial
  Damage Estimation, Land Use Plan
• Financial resources
• Construction Training and Housing Workers
• Temporary Housing
• Land use planning and Infrastructure
• Building Inspector/Surveyor/Appraisers
• Information Dissemination to Victims

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Damage Assessment

• Challenges
• Lack of digital data
• Destroyed landmarks, street signs and houses
• Lack of inspectors
• Supplemental funding request
• Housing recovery plan
• Suggestions
• Utilize GIS technology
• Digital property inventory
• HAZUS
• Residential Substantial Damage Estimator
• Aerial Recon

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Issues In Housing Recovery

• Adoption of Recovery Maps and ABFEs
• Elevation requirement
• Risk communication on elevation height
• Acquisition vs elevation

Source FEMA MAT Presentation
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Rebuilding Building Code

• Challenges
• Increased cost
• Political supports
• Lack of understanding
• Suggestions
• Simulation before and after
• Incentives
• State legislation

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Resources for Housing Recovery

• Department of Housing and Urban Development (HUD)
  has allocated 4 billion of CDBG funds to
  Mississippi
• Homeowners Assistance Program
• Elevation and Building Code Upgrade
• Renters Assistance Program
• Uninsured/Underinsured Homeowners Assistance
• FEMA Hazard Mitigation Grant Program
• 300 million Hazard Mitigation Grant Program
  (HMGP) fund for elevation and reconstruction
• FEMA Individual and Housing Program
• 5,250 Repair Grant or 10,500 Replacement Grant
  from FEMA
• Small Business Administration Loan
• 200,000 repair or replacement
• National Flood Insurance Program
• Up to 250,000 on structure and 30,000 ICC

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Resources for Housing Recovery

• USDA
• Section 502 Direct Loan - Single Family Build or
  Purchase Homes-families
• Guaranteed Single Family Housing Loan
• Section 504 Repair Loan and Grant - Repair
  existing homes. Loan and grant eligibility
  limited to very low and low income families.
  Grant eligibility limited to age 62 and older
• Housing Preservation Grant - Repair existing
  homes
• Section 515 Multi-Family Housing - Build or
  purchase multi-family housing
• Section 538 Guaranteed Multi-Family Housing
• Labor Housing- Loans made to eligible farmers,
  non-profits or public bodies to provide housing
  for farm workers
• Mississippi Home Corporation
• Low Income Housing Tax Credit Program
• Mortgage Revenue Bond Program
• Gulf Opportunity Zone Incentives

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Issues in Funding Distribution

• Challenges
• Identifying unmet needs population Handicap,
  Elderly, Assist Living, Low-low income and
  Immigrants
• Funds distribution speed, equity vs efficiency
  and sustainable recovery

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Volunteers and Construction Workers

• Challenges
• Housing for volunteers and construction workers
• Recruiting and Job training
• Outreach home builders
• Increase in building materials and labor costs

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Temporary Housing

• Who wants TT
• 5.8 years to rebuild
• Maintenance costs
• Safety issues

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Land use planning and Infrastructure

• Repair and restoration of infrastructure
• Risk assessment and mitigation
• Accommodating new growth
• Sustainable land use

Building Inspector/Surveyor/Appraisers Informatio
n Dissemination to Victims