Affordable Housing and Recovery in Rural Communities, Federally Assisted Housing Opportunities for Residents

Rural Resource Guide: Affordable Housing and Recovery in Rural Communities

Federally Assisted Housing Opportunities for Residents with Substance Use Disorders and Opioid Use Disorders

Substance Use Disorder (SUD) and opioid misuse have proliferated across the U.S. in the past decade – and rural America has been particularly impacted. Effectively addressing the opioid epidemic and supporting recovery includes a holistic community approach with an essential shared foundation; safe, stable, affordable housing. In an effort to equip local organizations with proper resources the Housing Assistance Council presents its new Rural Resource Guide: Affordable Housing and Recovery in Rural Communities, Federally Assisted Housing Opportunities for Residents with Substance Use Disorders and Opioid Use Disorders.

The guide serves as a resource to housing practitioners seeking to provide homes to households affected by substance use disorders. It presents the federal regulations for federally subsidized housing programs from the U.S. Department of Housing and Urban Development, the Internal Revenue Service, and the U.S. Department of Agriculture.

Resource Guide Launch Webinar

Disaster Response for Rural Communities

Disaster relief efforts in the United States are coordinated by the Federal Emergency Management Agency (FEMA), which is part of the Department of Homeland Security. Not every disaster warrants FEMA’s intervention, but under the provisions of the legislation that established FEMA, when a disaster “is beyond the capabilities of state and local resources,” the President may declare a “major disaster” or an “emergency.” Local, state, and FEMA officials evaluate the disaster, and submit a request for a declaration to the FEMA Regional Office, which reviews the request, submits it to the President, and makes recommendations to the President. As a result of the Sandy Recovery Improvement Act, federally recognized Indian tribal governments now also have the option of pursuing a declaration directly from the President.

When the President makes a major disaster declaration, FEMA establishes offices in the federally declared disaster area to serve as centralized points of relief management. FEMA aids disaster survivors by directing them to the assistance program(s) (both public and private) for which they are eligible and that will be of the most benefit to them. In sum, the agency serves as the umbrella organization that coordinates the relief efforts of all relief agencies, public and private, local and national. Thus, it brings disaster recovery assistance into the stricken community.

FEMA’s role is especially important to disaster victims in rural areas due to a scarcity of local institutions with ready access to potential recovery resources and the ability to coordinate relief efforts. However, in spite of FEMA’s coordination, one of the most serious problems facing disaster victims in rural areas is still a lack of information about the resources and assistance available to them. This guide to short- and long-term housing and community development resources serves as a partial response to that critical need. It is intended for use by disaster-affected individual households as well as by community organizations acting on their behalf.

After a disaster strikes, responding may seem like a monumental task, but with support, cooperation, and drive, you can lead your community forward. Use the following resources to locate local, state, and federal funds and tools that will support your organization through the recovery process.


  • American Red Cross – The Disaster Relief and Recovery Services provides information on staying safe after a disaster, checking your home’s safety, recovering emotionally, and recovering financially. The Emergency Resource Library offers tips and strategies for preparing, responding, and recovering from disasters like, earthquakes, floods, tornadoes, and winter storms.
  • FEMA Disaster Recovery Center – These accessible facilities and mobile offices are set up after a disaster to facilitate disaster recovery. Links are available to find assistance, apply online, and check the status.
  • Figuring Out FEMA – A free pocket guide to help people applying to FEMA’s Individual Assistance program.
  • HUD CDBG-DR – The Community Development Block Grant Disaster Recovery Program is a flexible source of funding that can be used to rebuild the affected areas and help with the recovery process.
  • HUD CDBG-MIT – The Community Development Block Grant Mitigation funds can be used to carry out strategic and high-impact activities to mitigate disaster risks and reduce future losses. The website provides program information such as notices, requirements, and best practices in one place.
  • HUD State Information – Disaster relief and emergency assistance resources relevant to each state.
  • USDA-RD Disaster Assistance – Information for single-family housing loan borrowers, multi-family housing loan borrowers, Community Facilities loan borrowers, Community Facilities Grants, business owners, and Emergency Community Water Assistance Grants.
  • Navigating the Road to Housing Recovery – A comprehensive guide to resources and steps to take for individuals and families affected by natural disasters. It provides general disaster recovery information, guidance and resources for those with a clear housing recovery goal, and guidance and resources for those still deciding on their housing recovery goal.
  • VA Disaster Assistance to Veterans – The VA offers specific resources to benefit veterans related to health, home loans, pension benefit assistance, and special adaptive programs. Links and phone numbers provide even more information.
  • VHA Office of Emergency Management – The Office of Emergency Management (OEM) coordinates essential VA emergency medical response and support services at the local, regional, and national levels to ensure the health and safety of veteran patients and their families, staff, and visitors, and continued delivery of VHA health care services.

Very Low-Income Housing Repair Loans and Grants (Section 504)

Through the Section 504 loan and grant program, USDA Rural Development provides assistance to very low-income homeowners who are unable to finance necessary repairs through other sources. This guide explains the requirements for using the Section 504 program and how to apply. This document is intended to assist individual applicants as well as nonprofit application packagers in preparing applications for program funds.

Download the PDF

Guaranteed Rural Housing Loans (Section 502)

Under the Section 502 Guaranteed Rural Housing Loan Program the government guarantees mortgage loans made by commercial lenders, enabling low- and moderate-income rural residents to purchase modestly priced homes.

Download this resource guide

Homeownership Direct Loan Program (Section 502)

rrg-rd502direct The Section 502 direct loan program offers mortgages for low-income homebuyers in rural areas. Section 502 direct is operated by the U.S. Department of Agriculture’s Rural Development Housing and Community Facilities Programs office (RD). There is also a separate Section 502 loan guarantee program.

Download this Resource Guide.

Housing in Rural America

As the population and economy of rural America is changing so too are rural homes. For the most part these changes have beenpositive as today more rural Americans live in safe, decent, and high quality housing than at any time. Despite this progress, far too many rural Americans live in substandard, unaffordable, or crowded homes. There are more than 111 million occupied housing unitsin the United States, roughly 25 million, or 22 percent of homes, are located in rural areas.

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USDA Rural Rental Assistance Program (Section 521)

Section 521 Rural Rental Assistance (RA) is available in some properties financed by the Section 515 Rural Rental or Section 514/516 Farm Labor Housing programs of the U.S. Department of Agriculture’s Rural Development Housing and Community Facilities Programs office (RD). It covers the difference between 30 percent of a tenant’s income and the monthly rental rate.

Download the PDF.

Rural Rental Housing (Section 515)

rd515rental covSection 515 Rural Rental Housing Loans are mortgages made by USDA to provide affordable rental housing for very low-, low-, and moderate-income families, elderly persons, and persons with disabilities.

Rural Rental Housing (Section 515).