Earthquake Homeowner Recovery Program

If your home was damaged by the August 9th earthquake, we may be able to help!  The Earthquake Homeowner Recovery Program provides assistance to repair, reconstruct, replace, or reimburse you for completed repairs. 

You can participate even if you have received funds from other sources including SBA loans or private bank loans.  If you are approved for an SBA or private bank loan to repair your home, this state funded program can supplement and reimburse you loan amounts used for emergency repairs to fix structural, heating, ventilation (including chimneys), air conditioning, or safety needs to make your home habitable, decent, safe, and sanitary. 

Non-emergency repairs (e.g., cosmetic, non-structural repairs, appliance upgrades, etc.) or property upgrades are not eligible for reimbursement.

This program is dedicated to earthquake related home repairs. This recovery program does not support earthquake repairs to service, retail, or commercial business properties that were damaged.

Eligibility criteria for the Earthquake Recovery Program

  • Your home must have been damaged as a result of the August 9th Earthquake.
  • Your total household income must be at or below $84,300 a year (defined as your 2019 Adjusted Gross Income. For more on income limits). 
  • You must have occupied the damaged home as a primary residence.
  • You must have owned the damaged home at the time of the disaster and you must still own the home.
  • If you are a renter and need help email us at and tell us more about the disruption caused by the earthquake.
  • You must be a full-time resident of North Carolina and a United States citizen. 
  • The damaged home must be an eligible structure type and located in Alleghany, Ashe, Surry, or Wilkes Counties.

If you feel you may be eligible  Apply Now!

Still unsure?  Read our Frequently Asked Questions or contact us.

Frequently Asked Questions