Do I Qualify?
The program is designed to help all flood-impacted homeowners who meet the eligibility requirements detailed on this page.
All Homeowners must have received major or severe damage to their home, which is identified as $8,000 or more of FEMA inspected real property damage or 1 foot or more of flood damage on the first floor. On August 18, 2017, the program was expanded to include homeowners with structural flood insurance.
The Restore Louisiana Homeowner Assistance Program has been designed to serve homeowners in six phases. The State of Louisiana’s Office of Community – Disaster Recovery Unit (OCD-DRU) structured the program in this manner in order to ensure that the limited federal funding is provided to homeowners with the greatest need. Eligibility requirements for each phase are outlined below:
Phase 1: Households considered low-to-moderate income*, and those that included elderly residents or persons with disabilities at the time of the flood, outside of the floodplain
Phase 2: Households considered low-to-moderate income, and those that included elderly residents or persons with disabilities at the time of the flood, inside the floodplain
Phase 3: Households located within one of the 10 most impacted or distressed parishes, outside the floodplain, no priority due to income
Phase 4: Households located within one of the 10 most impacted or distressed parishes, inside the floodplain, no priority due to income
Phase 5: All other parishes, inside and outside the floodplain
Phase 6: Reimbursement for homeowners who have completed the rebuilding process at the time they answer the survey or complete the application
NOTE: These phases also determine the order in which you apply. It is possible that if the survey indicates you qualify, you may be required to wait before the actual application begins.
* Low-to-moderate income is defined as a household with a total annual income that is 80 percent or less than the area median income of the parish or metropolitan area. You can find the full Area Mean Income table here and an example for a few Louisiana parishes is included below: