Roof Over Your Head

The experience of homelessness for those who have been forced out of their homes as a result of a natural disaster is particularly devastating. Suddenly, in spite of years of careful planning and saving, you may have lost your home and its valued contents. You may have lost treasured mementos and cherished possessions that are an important part of your history. If this is the case, you have reason to grieve. While no one can truly recapture all that you have lost, there is help available to help you begin again.

How to avoid home repair fraud

Insurance steps

Renter's rights

CDC Eviction Moratorium

Centers for Disease Control is extending its federal eviction moratorium expiration date to June 30, 2021. To be eligible for the housing protection, renters must earn $198,000 or less annually for couples filing jointly, or $99,000 or less for single filers; demonstrate that they’ve sought government help to pay the rent; declare that they can’t pay because of COVID-19 hardships; and affirm they are likely to become homeless if evicted.

City of Houston and Harris County Home Repair Assistance

Who: City of Houston and Harris County 
What: Home Repair: Providing Home Repair Assistance for Harris County Residents 
Where: Online application: There is assistance for anyone who does not have any way to access the internet. Call 211 for more information. 
When: Website is available 24 hours, 7 days a week

City of Houston/Harris County Emergency Rental Assistance Program 

An Emergency Rental Assistance Program is available for renters in Harris County/City of Houston who are experiencing housing instability and whose household income meets income requirements. Get the application and more information:

FEMA (Federal Emergency Management Agency) 

FEMA announced federal emergency aid has been made available to the state of Texas to supplement state, tribal, and local recovery efforts in areas affected by a severe winter storm beginning on Feb. 11, 2021.

Individuals and business owners who sustained losses in the designated area can begin applying for assistance by registering online at or by calling 1-800-621-3362 or 1-800-462-7585 TTY.

The President's action makes federal funding available to affected individuals in Angelina, Aransas, Bastrop, Bee, Bell, Bexar, Blanco, Brazoria, Brazos, Brown, Burleson, Caldwell, Calhoun, Cameron, Chambers, Collin, Comal, Comanche, Cooke, Coryell, Dallas, Denton, DeWitt, Ellis, Falls, Fort Bend, Galveston, Gillespie, Grimes, Guadalupe, Hardin, Harris, Hays, Henderson, Hidalgo, Hood, Jasper, Jefferson, Johnson, Kaufman, Kendall, Lavaca, Liberty, Madison, Matagorda, Maverick, McLennan, Montague, Montgomery, Nacogdoches, Nueces, Orange, Palo Pinto, Panola, Parker, Polk, Rockwall, Sabine, San Jacinto, San Patricio, Scurry, Shelby, Smith, Stephens, Tarrant, Travis, Tyler, Upshur, Van Zandt, Victoria, Walker, Waller, Wharton, Wichita, Williamson, Wilson and Wise counties.

Assistance can include grants for temporary housing and home repairs, low-cost loans to cover uninsured property losses, and other programs to help individuals and business owners recover from the effects of the disaster. Federal funding is also available to state, eligible local, tribal and territorial governments, and certain private nonprofit organizations on a cost-sharing basis for emergency protective measures, including direct federal assistance, statewide. Federal funding is available on a cost-sharing basis for hazard mitigation measures statewide.

Small Business Administration Home Repair Loans

SBA will accept applications for Home Loans from homeowners and renters affected by the February Winter Storm until April 20, 2021. Homes must be in a declared disaster area. Only uninsured or otherwise uncompensated disaster losses are eligible.
Accepting applications for loans to homeowners or renters to repair or replace disaster-damaged real estate and personal property, including automobiles. SBA regulations limit home loans to $200,000 for the repair or replacement of real estate and $40,000 to repair or replace personal property. Subject to these maximums, loan amounts cannot exceed the verified uninsured disaster loss.

Applicants may apply, receive additional disaster assistance information, and download applications online. Applicants may also call or email for more information on SBA disaster assistance. Completed applications should be mailed.

800-659-2955 (Mon - Fri 7:00 am - 5:00 pm)

Property assistance

The National Flood Insurance Program answers questions for policyholders about the claims process at 800-621-3362.

Search for your insurance company contact information here to make property loss claims.

To find a towed car, click here or call 832-394-4869. provides advice on replacing vital documents.

The Texas Department of Insurance has advice on what to do if your home or auto was damaged, the insurance claims process and contractor fraud prevention number is 800-252-3439 or you can click here

Additional Resources

American Red Cross: 1-877-500-8645, 866-526-8300 (Local Houston Office)

Salvation Army: 713-752-0677

211 Texas/United Way HELPLINE: dial 211