Rebuild Florida

34-35 Destroyed Home  W

Following Hurricane Irma, the State designated a set aside for several programs for Monroe County, including Rebuild Florida programs. The Hurricane Irma recovery set aside is now at $105 million countywide.

Rebuild Florida, a federally-funded, state-run program to help Floridians recover from Hurricane Irma, is still open for enrollment for Monroe County residents. 

The Federal Government appropriated funding through the U.S. Department of Housing and Urban Development (HUD) to respond to Hurricane Irma impacts. Florida is slated to receive $616 million in the first round. This money will help families/residents whose homes were destroyed or severely damaged by Hurricane Irma repair or rebuild their homes. 

$90 Million was set aside for the Florida Keys in the first round

As of June 2019, 1,241 households in the Florida Keys have registered for Rebuild Florida. Of those households, 620 already have been prioritized and provided applications, and, of that, 216 households have completed the application process. Rebuild Florida has opened the applications to households who were not in the priority categories, but are at 80 percent AMI or below for Phase 2 of the program, and are inviting those at 120 percent AMI to apply in Phase 3.

The funding is being administrated through the State of Florida Department of Economic Opportunity’s (DEO) Community Development Block Grant-Disaster Recovery Program (CDRG-DR). DEO has approved a State Action Plan for Disaster Recovery for these funds.

Program Details

To address these needs, DEO has the following programs.

HUD also announced Florida will receive an additional $85 million for the Infrastructure Repair and Mitigation Program.

Who is eligible?

Rebuild Florida is open to residents with low- and moderate-income levels who own their homes and also to owners who rent to residents with low and moderate incomes. 

Priority will be given to the most vulnerable households:

  • Average Median Income (AMI) at or below 80 percent
  • Seniors age 62+ 
  • Households with children under the age of 18
  • Special needs or special accommodation requirements (including disability)
  • Persons displaced from Puerto Rico or the U.S. Virgin Islands who are permanently resettling in Florida

Assistance for Landlords of Affordable Housing

Rebuild Florida reconstruction funds are available to owners of rental properties who rent to people who meet affordable/workforce income levels. The landlord must agree to continue to rent to people who meet those income levels to be eligible. After DEO and a homeowner reach an agreement on the needed construction assistance, DEO will contract directly with qualified contractors to repair, rebuild, elevate or replace a damaged home. In the first phase of the multi-phased Rebuild Florida program, $50 million is earmarked for Monroe County. This funding is a grant, not a loan. Rebuild Florida Guidelines for Rental Property Owners

The 2019 maximum levels in the Florida Keys to meet low and moderate-income are as follows, based on the size of the household.

80 Percent AMI

  • 1 person $53,600
  • 2 people $61,200
  • 3 people $68,880
  • 4 people $76,480
  • 5 people $82,640
  • 6 people $88,720
  • 7 people $94,880
  • 8 people $100,960

120 Percent AMI

  • 1 person $80,400
  • 2 people $91,800
  • 3 people $103,320
  • 4 people $114,720
  • 5 people $123,960
  • 6 people $133,080
  • 7 people $142,320
  • 8 people $151,440

Photo of Michelle Coldiron, DEO Director Cissy Proctor, David Ric

Rebuild Florida news conference in Marathon on Sept. 24, 2018. Monroe County Commissioner Michelle Coldiron, left, DEO Executive Director Cissy Proctor, Monroe County Commissioner David Rice, and State Rep. Holly Raschein.

Not Suitable for Rehabilitation

HUD requires DEO to define what would constitute a housing unit “not suitable for rehabilitation."

  • Residential properties with repetitive losses under FEMA’s National Flood Insurance Program (NFIP).
  • Dwellings that are considered substandard and do not meet the recovery program’s housing rehabilitation standards and/or federal, state, local code requirements shall not be deemed suitable for rehabilitation, as determined by the program and consistent with program guidelines. The determination may be established based on the calculation that the cost of rehabilitation is close to or exceeds the cost to reconstruct.

State Action Plan for DIsaster Recovery program budget 1State Action Plan for DIsaster Recvoery program budget 2