26 Michigan Emergency and Flood Repair Programs Available to Residents

Michigan’s extreme weather season is starting to kick off, including threats of record heat hitting southeast Michigan this week.

There is also a risk of severe thunderstorms on Monday evening arriving around 7 p.m.

Severe storms mean powerful gusts of wind and the potential for heavy rain over a short period of time – which can cause flooding in basements and highways.

As flooding problems continue to affect Detroit and much of the metro area, local and state governments have worked to establish relief programs for residents experiencing water damage and growing mold.

The programs consist of a combination of grants, loans, weatherization assistance, as well as community home repair programs.

The ecosystem of repair options is vast and only applies to specific types of repairs. The same programs that offer help with a roof will not replace a furnace or water heater. If a basement is flooded, repair money won’t necessarily fix the cause, it will just repair the damage.

RELATED: Michigan homes for the elderly, livelihoods at risk as flooding intensifies

The Detroit Home Repair Resource Guide, set up by the University of Michigan’s Poverty Solutions department, compiles all available programs. It is updated periodically and is divided into four categories:

  • Home repair loan programs
  • Home Repair Grant Programs
  • Weatherization and energy efficiency programs
  • Home repair community programs/services

Home repair loan programs

Programs available in this category include options from the Michigan State Housing Development Authority, Liberty Bank, Michigan Saves, and, for Detroit residents, the City of Detroit.

Interest rates are low for loans, but vary depending on the source from which they come. For MSHDA, eligible repairs include exterior work, heating, air conditioning, kitchen and bathroom renovations, attic and basement finishing, or septic and sewer replacement.

Only the City of Detroit program offers 0% interest.

Home Repair Grant Programs

The Detroit Home Repair Guide offers 10 different grant programs from the state, federal government, and some specific to the city of Detroit.

The grant options do not come with guidelines on expected interest rates, but there are eligibility requirements that applicants will need to meet before applying.

For example, the Michigan Department of Health and Human Services program provides funding to repair unsafe living conditions and restore essential services: like furnaces and water heaters. Energy repairs come with lifetime limits on the maximum that can be received.

To be eligible, applicants will need to live in the home, not sell it, and the upkeep of the property must be affordable.

Nonprofits may also qualify for grants through the Michigan State Housing Development Authority’s Neighborhood Improvement Program. Organizations that are directly involved in work aimed at stabilizing neighborhoods are eligible. Approximately $2 million is available for 2022 applicants. Organizations receive approximately $50,000 each.

For those seeking financial assistance from a banking entity, they can try the Neighborhood Impact Program, which is done through the Federal Home Loan Bank of Indianapolis. These grants, listed at $7,500 each, help homeowners make repairs. The bank often partners with community organizations or other local banks.

Homeowners can only receive one FLHBI grant for a property every five years.

There is a Detroit Area on Aging program that provides home repair services through the state’s Medicaid MI Waiver of Choice program. Home repair services are reimbursed by Medicaid, which helps seniors and adults with disabilities stay in their homes.

All applicants will be required to make a reasonable effort to find funding options.

Weatherization and energy efficiency programs

Both the DTE and Wayne County have weatherization assistance programs that can help improve energy efficiency.

Under the Weatherization Assistance Program (WAP), low-income households can benefit from energy upgrades that help increase a home’s efficiency, which can reduce electricity and heating costs. heater. Grants are worth up to $7,500. Upgrades will not be installed until other major repairs are complete.

Under the WRAP, or Water Resident Assistance Program, offers assistance with utilities and overdue housing payments. Applicants can also get $2,000 for minor plumbing repairs.

Community home repair programs

There are nine community groups that offer specific programs for home adaptations and senior-specific repairs in post-disaster homes and residences in need of general repairs.

Bridging Communities in Detroit, for example, connects customers with home repair grants, loan programs and resources to help them stay in their homes. RTSEM, or Rebuilding Together Southeast Michigan, works with a host of local Detroit groups to conduct home inspections that help locate the highest priority issues.

Community programs do both emergency repairs and offer assistance that may not be included in disaster relief, such as porch repairs, cleaning services, and even classes for homeowners on how to to do the repairs themselves.

The full resource guide is available here. It includes links to apply for each program and explanations of what is and is not covered by the money available.

Jack Nissen is a reporter for FOX 2 Detroit. You can contact him at [email protected]

Comments are closed.