Housing Flood Information & Resources
If you would like to talk with someone about your flood-related housing needs, contact Housing & Human Services at 303-441-1000 (select option 2). You will also find many post-flood housing resources on this page.
FEMA (Federal Emergency Management Agency)
- The FEMA Housing Resources helps individuals and families who have been displaced by a disaster find a place to live.
Housing & Financial Counseling
A HUD-approved Housing Counselor can help you explore the options available through your mortgage company. In a free and confidential appointment we can review your current financial circumstances, review your mortgage and options available on your particular mortgage, discuss loans and programs that may be helpful in rebuilding or repairing your property or purchasing a new property, and discuss the financial implications of these options. Together, we can make a plan for moving forward.
If your ability to pay your mortgage is compromised following the disaster, contact your mortgage company for assistance. Most lenders will work with you on solutions including payment forbearance and loan modifications. Additionally, if you have an FHA mortgage or a mortgage owned by Fannie Mae or Freddie Mac, your lender must follow specific guidelines on reviewing your loan for assistance options. If you would like to review these options and their implications and receive advice on the best way for you to proceed with your mortgage, contact a HUD-approved Housing Counselor (see above).
You may be interested in purchasing a new property or refinancing your existing mortgage to include the cost of needed repairs. FHA has mortgages available for these purposes.
- Making mortgage insurance available – HUD’s Section 203(h) program provides FHA insurance to disaster victims who have lost their homes and are facing the daunting task of rebuilding or buying another home. Borrowers from participating FHA-approved lenders are eligible for 100 percent financing, including closing costs;
- Making insurance available for both mortgages and home rehabilitation – HUD’s Section 203(k) loan program enables those who have lost their homes to finance the purchase or refinance of a house along with its repair through a single mortgage. It also allows homeowners who have damaged houses to finance the rehabilitation of their existing single-family home.
- Flood Rehab
Housing Availability For Displaced Residents
Please visit these flood recovery and housing resources links for information that may be helpful to you:
- Colorado Housing Search helps with a range of housing-related needs.
- Northern Colorado Rentals is a rental property resource that connects landlords and renters.
- PadMapper contains a map of house and apartment sublet and rental listings.
- Airbnb is an online service that provides a platform for individuals referred to rent unoccupied living space and other short-term lodging to guests.
Flood Recovery Navigation Guides
The following guide contains much more information about flood recovery resources and services available in Boulder County.