Florida city offers homeowners up to $25,000 for flood repairs through new $1 million relief program

Homeowners in one eastern Florida city may now qualify for up to $25,000 to put toward essential repairs following last week's flooding.

Here's what to know

The announcement came on Nov. 4, just days after heavy rains inundated roadways in the area, that the city of Port St. Lucie would set aside $1 million for the effort. Through its Disaster Relief Program, the city will offer loans that can become forgivable over five years, according to local news outlet WPTV.

The funding will come through the state's Housing Finance Corporation and the State Housing Initiatives Partnership program. Admitted participants — who must meet certain income, homeownership, and residency criteria — will not have to make monthly loan payments or pay interest.

The funding covers work to make flood-damaged homes safe and livable. Pre-applications became available Nov. 5, and the program will continue until the city has spent its allocation.

What is covered?

Work that may be covered by the program includes water extraction, removal of water-damaged materials, emergency repairs to plumbing or electrical systems, and temporary structural stabilization. Roof repairs and weatherproofing to help prevent further damage are also eligible for coverage.

City approval is required before assistance is provided, and the work must be directly tied to the recent flooding. Covered costs also include homeowners insurance deductibles for qualifying rehabilitation work and tree or debris removal necessary to make the home livable.

Meanwhile, mold or mildew inspections, testing, removal, and remediation are reportedly ineligible. According to WPTV, homeowners must complete any needed mold remediation before proceeding with other approved repairs.

Manufactured homes, pools, hot tubs, and work that is illegal or lacks permits are also excluded from coverage.

Who is eligible?

Homeowners interested in applying must meet the program's income requirements and have lived in a home they own within Port St. Lucie's city boundaries for at least one year. They must also be current on mortgage payments and property taxes.

Additionally, WPTV reported that the home's assessed value cannot exceed $560,154.

Residents who need help with the application process can contact Port St. Lucie's Neighborhood Services Department or seek assistance in person at City Hall.

Where can I learn more?

Homeowners elsewhere in Florida may also be able to get help with flood damage and costly repairs:

• In Santa Rosa County, hurricane aid could cover roofs and electrical repairs, plus relocation.

• Florida homeowners repairing damage from Isaias in Escambia County can now avoid permit fees.

• Leon County offers home repair grants, prioritizing households with someone 55 or older.

• Low-income homeowners can seek $100,000 for repairs, but only 50 will be selected.

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