A Trusted, HUD-Certified, Housing Counseling Nonprofit Agency in Brooklyn, NY

Resiliency RetrofitS Program

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A new resource to help property owners prevent costly water damage!

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Homeowners in Kings & Queens Counties may be eligible for up to $50,000 in a 50/50 Loan/Grant to undertake flood mitigation measures and other climate-ready improvements to protect their homes.

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Program Details & Eligibility

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• Up to $50,000 in a combination low-interest loan (50%) with matching grant (50%) for flood mitigation, energy efficiency, and electrification improvements (main structure of the home only)

• Loans are at a 1% simple interest rate and are payable over 5 to 10 years

• Grant portion of up to $25,000 is considered a deferred loan through the term of the loan and is forgiven once the terms of the loan are satisfied

• Homes located in Extreme Risk Areas Special Flood Hazard Areas, Floodways and Coastal Erosion Zones are not eligible to participate*

• Homeowners choose their own properly insured and certified contractor(s)

• Household income must be at or below 120% of HUD median income (see table below)

• No minimum credit score required

• Primary residences only

• Owner-occupied, 1- to 4-unit buildings allowed

• Homeowner must undertake a flood mitigation measure as part of the overall home improvement.

*To check to see if your property falls within a Special Flood Hazard Area, enter your address here: FEMA Flood Map Service Center | Search By Address.  If your property lies within the area shaded in blue, your home is not eligible to participate in the Resiliency Retrofits Program.