
HURRICANE HELENE RECOVERY
How to Apply for Assistance
There are four ways to apply:
Mobile App
Download our mobile app from the Google Play Store or the Apple App Store.
Phone Call
Call 1-888-791-0207 to be connected to a Case Manager.
Required Documents for Owner Applicants:
Valid Photo I.D. and Proof of Citizenship or Lawful Permanent Resident Status for Applicant
- Government Issued Photo Real ID (Federal or State issued); OR
- Driver’s License, OR
- U.S. Passport; OR
- Military ID Card; OR
- Resident Alien Card (Green Card) or Certificate of Naturalization with Government Issued Photo ID.
Income Documentation for All Adult Household Members (18+)
- Most recent tax returns (IRS 1040, 1040A) signed and submitted, OR
- Documentation of Income:
- Salary/Wages: Last three (3) months of pay stubs OR current W-2 Forms, with volume to be based on frequency of payment.
- Benefits: Social security or disability, retirement, SSA, TANF, pension or annuity current letter of benefits (should include benefit amount).
- Retirement or Social Security: Past three (3) Monthly Bank Statements, prior year 1099 form, or Current Annuity Payment letter (if applicable).
- Self-Employment Income: Most recent tax return (1040 or 1040A), W-2 Forms; and/or current year profit and loss statement.
- Rental Income: Current lease agreements.
- Unemployment Income: Current benefit letter with gross amount.
- Alimony/Spousal Maintenance: Copy of court order documentation.
- Taxable Interest & Dividends: Including amounts received by/on behalf of minors.
- No Income: Adult household members who do not earn an income will be required to submit a Certification of No Income.
Proof of All Insurance Covering the Damaged Property
If an applicant had homeowner and/or flood insurance at the time of Hurricane Helene he/she must provide a copy of the claim summary (outlining structural payments vs. contents) including the date of the claim, applicant name, damaged residence address and net claim amount.
- Homeowner’s insurance policy number
- Flood insurance policy number
Proof of Ownership Documentation
Stick Built Structures
Proof of ownership must be at the time of Hurricane Helene (September 27, 2024) and have maintained ownership to date. You will be required to provide one (1) of the following:
- Deed
- Mortgage statement
- Probated will
- Court order or judgement granting ownership of the property
Manufactured Housing Units
Proof of structure ownership must be at the time of Hurricane Helene (September 27, 2024) and have maintained ownership to date.
- Title
- Bill of Sale
- Real Property/Estate Tax
- State-issued Certificate
Other documents may be considered on a case-by case basis. Applicant must still own the property to receive assistance.
Proof of Primary Residence
Proof of Primary Residence must be at the time of Hurricane Helene (September 27, 2024).
- Homestead exemption at the storm-damaged property address in 2024
- FEMA IA award letter for damages caused by Hurricane Helene;
- SBA Disaster Home Loan award;
- Driver’s license or state-issued ID card;
- Utility bills;
- Credit card bill or bank statement;
- Insurance documentation indicating Primary Residence;
- Employer Statements/Paystubs.
Other documents may be considered on a case-by-case basis.
Additional Required Documentation (If Applicable)
- Households with children under the age of 18 must submit:
- Birth certificate, U.S. Passport or state-issued ID for each child
- If a household member is disabled, provide one (1) of the following:
- Social Security Disability Statement
- Letter from doctor stating applicant qualifies as disabled
- Verification of Disability Form (see Renew NC Single-Family Housing Program Case Manager for form)
- Disability exemption on homesteaded property per North Carolina Statute
- Applicant’s Power of Attorney documentation
Proof of Damage and Benefit information
- Insurance claim information
- FEMA award letter
- SBA award letter
- Certification of damage
The applicant may provide alternative evidence, such as neighborhood-level media reports, inundation maps, or documentation of damage by disaster response/relief organizations which may be accepted on a case-by-case basis.
Certifications and Authorizations
- Consent and Release of Personal Information Form
- Fraud Acknowledgement Regarding False or Misleading Statements Certification
- Right of Entry (ROE) Permit Form
- Release of Information
- Certification of Truthfulness
- Subrogation Agreement
- Construction Stop Work Notice
- Homeowner Responsibilities Acknowledgment
- Primary Residency Affidavit
- Conflict of Interest Disclosure
How Your Application Will Be Processed
Applications are reviewed in phases, based on four key factors:
1.
Where you live –
Whether your county is a HUD MID or State MID area
2.
Your taxable household income percentage –
Measured by Area Median Income (AMI)
3.
Household needs –
If anyone in your home is under 18, over 62, has a disability, or requires accessibility accommodations
4.
Repair status –
Whether your repairs are complete or still needed
What Does HUD MID vs. State MID Mean?
After the storm, the U.S. Department of Housing and Urban Development (HUD) required that at least 80% of disaster recovery funds go to the most severely impacted areas. These areas are called HUD-identified Most Impacted and Distressed (HUD MID) areas.
The State of North Carolina was allowed to designate additional areas for recovery support, called State MID areas. However, only 20% of funding can go to these areas.
Some counties had only one ZIP code initially included by HUD. The state expanded four of those (Caldwell, Cleveland, Madison, and Polk) to include the entire county.
In Mecklenburg County, only ZIP code 28214 qualifies.
What Is AMI (Area Median Income)?
AMI stands for Area Median Income, which is the midpoint income for your county or area. It helps determine eligibility for housing and recovery programs. The U.S. Department of Housing and Urban Development (HUD) provides guidance on household income limits that are unique to household size and geographic area.
Your income is compared to the percentage of AMI for your household size:
- Below 60% AMI – Very low income
- 60–80% AMI – Low income
- 81–120% AMI – Moderate income
Check Your County’s MID Status
County | Classification |
Alexander | State MID |
Alleghany | State MID |
Ashe | HUD MID |
Avery | HUD MID |
Buncombe | HUD MID |
Burke | HUD MID |
Caldwell | HUD MID |
Catawba | State MID |
Clay | State MID |
Cleveland | HUD MID |
Gaston | State MID |
Haywood | HUD MID |
Henderson | HUD MID |
Jackson | State MID |
Lincoln | State MID |
Mecklenburg (ZIP 28214 only) | HUD MID |
Macon | State MID |
Madison | HUD MID |
McDowell | HUD MID |
Mitchell | HUD MID |
Polk | HUD MID |
Rutherford | HUD MID |
Surry | State MID |
Swain | State MID |
Transylvania | HUD MID |
Watauga | HUD MID |
Wilkes | State MID |
Yadkin | State MID |
Yancey | HUD MID |
Phases of Application Processing
Applications are grouped into four processing phases, based on income (AMI), repair status, county MID type, and household needs.
A household is considered to have needs if any member is:
- Under 18 years old
- Over 62 years old
- Living with a disability
- In need of accessibility modifications (e.g., ramps, widened doorways)
Need Help?
If you’re unsure about your MID status or AMI level, call the Renew NC Customer Service Center at 888-791-0207.
Phase | Eligibility | Processing Priority |
---|---|---|
Phase 1 | Income below 60% AMI, Repairs not completed | 1. HUD MID with needs 2. HUD MID without needs 3. State MID with needs 4. State MID without needs |
Phase 2 | Income between 60–80% AMI, Repairs not completed | 1. HUD MID with needs 2. HUD MID without needs 3. State MID with needs 4. State MID without needs |
Phase 3 | Income below 80% AMI, Repairs completed (reimbursement only) | 1. HUD MID 2. State MID |
Phase 4 | Income between 81–120% AMI, Repairs may or may not be completed | 1. HUD MID 2. State MID |