Owner-Occupied Housing

Eligibility Requirements

  • Annual household income must be less than 80% of Area Median Income.(see chart)
  • Ownership – Both current and at time of the flood.
  • Must be current on all debts (property taxes*, child support, mortgage).
  • The applicant(s) must be U.S. citizens or have legal alien status.
  • Must have received flood damage as verified by Damage Assessment.
  • Compliant with prior event National Flood Insurance Program requirements and all duplication of benefits requirements.

Prioritization Criteria

  • Income/Family size – 80% of Area Median Income (see chart)
  • Handicapped/Disabled Residents
  • Elderly Residents – 62 years of age or older
  • Households with Children – children are under 18 years of age
  • Condition of Damaged Dwelling – most damaged

*If property taxes are not current, the applicant must document that one of the following alternatives will be met:

  • The property owner qualified for and received tax deferral as allowed under Section 33.06 of the Texas Property Code;
  • The property owner qualified for and received a tax exemption pursuant to Section 11.182 of the Texas Property Code; or,
  • The applicant entered into a payment plan, and is current, with the applicable taxing authority.