Disaster Recovery: Rural Areas Kentucky: Rebuilding After The Storm

Mission Statement Frontier Housing’s mission is to provide affordable housing solutions to build better communities.

What We Do Services provided by Frontier: Homes built to the highest energy efficient standards Energy-efficient renovations for existing homes One-Stop-Shop with full lending, homebuyer education and one-on-one counseling services

Path of Destruction

Storm Statistics The March 2, 2012 storm was measured as a Category EF3 tornado (with winds ranging from 136 to 165 mph) Wind speeds were reported at 165 mph At its peak, the tornado was over 1 mile wide.

Storm Damage Photos

Damage Statistics In Frontier’s service area… 10 people lost their lives 300 people injured 850 homes were damaged/destroyed Every business and government office in the downtown district of West Liberty was destroyed

What We Did: Initial Outreach Frontier answers the call for help Reached out to Judge Executives and Mayors in our service area Committee formed by elected officials for purpose of gathering and disseminating housing information - Frontier Housing & Fahe - Local CAP Agency - FEMA -Kentucky Housing Corporation (State HFA)

What We Did: Initial Outreach Committee holds Community Housing Fairs Committee shared pertinent info with residents -Resources available -Loans -Grants -Rental assistance -Who could help -Contact information from various service/resource providers -Information booths setup by banks, contractors, government agencies and nonprofits

Advertising Frontier’s Services Avenues we used Newspaper Ground campaign using flyers Social media Referrals from partner contacts

Funders & Partners Fahe Local banks Local CAP Agencies Kentucky Housing Corporation (State HFA) NeighborWorks ® America Federal Home Loan Bank of Cincinnati USDA Rural Development Enterprise Community Partners

Special Programs and Funds FHLB of Cincinnati – Disaster Recovery Program $5 million fund for residents of Kentucky, Tennessee, Ohio Maximum of $20,000 or 20% of purchase price or construction cost, whichever is less Can be used for acquisition, new construction or rehab If rental was damaged/destroyed, qualified to purchase existing or new construction Must have applied for FEMA assistance Serves incomes (130% of MRB limit for area) up to $82,680 for 1-2 persons, and up to $96,460 for 3 or more persons

Special Programs and Funds NeighborWorks ® America Special funds given to Frontier for immediate disaster relief measures Funds designated to local CAP Agency to determine greatest need

Obstacles Challenges we are facing… Issues with lack of or very little homeowner’s insurance (in some instances, property still mortgaged) Insurance coverage less than expected due to depreciation (mobile homes titled as chattel) Inflated land costs Appraisal issues People leaving the community Poor credit

Families We Are Helping Pre-approved and in various stages of process… New Construction - 15 Home repairs/rehab - 2 Pre-existing

First Home Rebuilt: Before & After Rosemary Hibbens Elderly mother with disabled adult son Home was a complete loss Survived by seeking shelter in basement of home New home is 50% complete

First Home Rebuilt: Before & After