Tropical Storm Fred Residential Recovery

If your home or property was damaged by Tropical Storm Fred and you have not received assistance from insurance or federal disaster recovery, the State now has additional disaster recovery programs that may be able to offer additional support. We can help even if you received limited help from FEMA or your insurance company. 

We can help if you live in one of the following counties: Avery, Buncombe, Haywood, Henderson, Madison, McDowell, Mitchell, Rutherford, Transylvania, Watauga, or Yancey.

Contact us today! 
TSFred@nc.gov
(844) 935-1744

Also apply online

house destroyed by flood

The Tropical Storm Fred Residential Recovery Program (RPP) may provide assistance to:

  • Repair, elevate, reconstruct, or replace homes destroyed by TS Fred (August 2021);
  • Reimburse homeowners for eligible completed repairs;
  • Assist landlords in repairing rental units;
  • Help repair or replace private roads or bridges damaged/destroyed by TS Fred.

Home acquisitions or buyouts are not approved under the RRP program. Separate state and county information will be available soon for those who prefer home buyouts. Homeowners are encouraged to apply to all recovery programs that may help.

You may be able to participate even if you received funds from other sources, including FEMA, SBA loans, private bank loans, or credit cards, to repair your home, road and/or bridge. This program may be able to provide additional funds, or reimburse you, to repair your home, private road or bridge of damage caused by TS Fred. If you used other funds to make temporary emergency repairs to fix structural, heating, ventilation, air conditioning, or safety needs to make your home habitable and safe, these payments may also qualify for reimbursement.

The following are ineligible costs or expenses under the State RRP:

  • Any damage not caused by TS Fred;
  • Any damage caused by any failure to maintain a home, private road, or private bridge prior to TS Fred;
  • Any upgrade or additions to finishes, fixtures, appliances, or construction that were not originally part of the damaged home, private road, and/or private bridge; or
  • Replacement of lost personal property.

Eligibility criteria for the Tropical Storm Fred Residential Recovery Program

Requirements to be eligible for assistance under this program:

  • Your home must have been damaged by Tropical Storm Fred and its associated weather events.
  • Your total household income must be at or below $94,100 a year (defined as your 2020 or 2021 Adjusted Gross Income [AGI]. 
    Click this link for more on income limits).
  • You must have occupied the damaged home as a primary residence at the time of the disaster.
  • You must have owned the damaged home at the time of the disaster, and you must still own the home.
  • Damaged bridges/culverts/roads must be privately owned and essential for vehicle access.
  • You must be a full-time resident of North Carolina and a United States citizen, legal permanent resident of the United States, have other lawful status to live in the United States (e.g., have a special visa), or you are a parent or guardian of any child who was under the age of 18, resided in the home at the time of the disaster, and who is a citizen of the United States. 
  • The damaged home, private road, or private bridge is located in Avery, Buncombe, Haywood, Henderson, Madison, McDowell, Mitchell, Rutherford, Transylvania, Watauga, or Yancey Counties. 
  • If you are a renter and need help you can contact OSBM by email at TSFred@nc.gov and tell us about the disruption caused by the storm.
  • Please be aware that due to program funding limits, OSBM reserves the right to prioritize and expedite approval of recovery support to those most severely impacted by the storm, families living in unsafe conditions, or very low-income applicants. 
  • State funds cannot be used to repair the same damage twice or to duplicate funding from other federal or insurance sources. 

If you feel you may be eligible, apply now!

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

Frequently Asked Questions