Housing and Urban Development (HUD) Secretary Scott Turner announced the availability of federal disaster assistance to state of Tennessee to supplement recovery efforts in the areas affected by the severe winter storm on January 22-27, 2026.
“One of our core responsibilities at HUD is to help rebuild homes, businesses, and communities after natural disasters,” said HUD Secretary Scott Turner. “We are supporting residents of Tennessee by providing financial flexibility and disaster recovery resources to those impacted by the recent disaster.”
President Trump issued a major disaster declaration for the state of Tennessee on February 6, 2026
Effectively immediately, HUD is:
- Providing financial flexibility – A 90-day moratorium is issued on foreclosures of mortgages insured by the Federal Housing Administration (FHA and Native American borrowers insured by the HUD Office of Native American Program’s Section 184 Indian Home Loan Guarantee program. There is also a 90-day extension granted automatically for Home Equity Conversion Mortgages. The moratorium and extension are effective as of the President’s disaster declaration date. Homeowners affected by the disaster should contact their mortgage or loan servicer immediately for assistance. Conventional mortgage holders may also be eligible for additional relief through their mortgage holder. Call the FHA Resource Center at 1-800-304-9320 or email answers@hud.gov for additional information. To learn more about disaster relief options for FHA homeowners, visit the FHA Disaster Relief site. For the Section 184 program, contact Section184@hud.gov for additional information.
- Making mortgage insurance available – When homes are destroyed or damaged to an extent that they require reconstruction or complete replacement, HUD’s Section 203(h) program provides FHA insurance to homeowners and tenants. Borrowers from participating FHA-approved lenders are eligible for 100 percent financing, including closing costs.
- Making financing available for both mortgage and home rehabilitation – HUD’s Section 203(k) loan program enables individuals to finance the purchase or refinance of a house, along with its repair, through a single mortgage. Homeowners can also finance the rehabilitation of their existing home if damaged.
- Sharing information on housing providers and HUD programs – Information will be shared with FEMA and the state on housing providers that may have available units in the impacted counties, including Public Housing Agencies and multi-family owners. The Department will also connect FEMA and the state with subject matter experts to provide information on HUD programs and providers.
- Providing flexibility to Community Planning and Development grantees – Recipients of Community Development Block Grant (CDBG) program, Housing Opportunities for Persons With AIDS (HOPWA) program, Continuum of Care (CoC) program, Emergency Solutions Grants (ESG) program, HOME Investment Partnerships (HOME) program, and Housing Trust Fund (HTF) program funds can apply for administrative flexibility in response to a Major Disaster Declaration (PDD) for Tennessee (DR 4898). For more information on applying for a waiver or suspension of program requirements, contact your local Community Planning and Development (CPD) field office here.
- Providing flexibility to Tribes and Tribally Designated Housing Entities – Recipients of Indian Housing Block Grants and Indian Community Development Block Grants can apply for regulatory waiver relief. For more information, contact your Area Office of Native American Programs.
- Ensuring HUD-approved housing counseling agencies are ready to assist – HUD-approved housing counseling agencies have counselors available to assist those impacted by natural disasters and determine assistance needs and available resources. Find a HUD-approved housing counseling agency online, or use our telephone look-up tool by calling 1-800-569-4287. You do not need to have an FHA-insured mortgage to meet with a HUD-approved housing counseling agency. There is never a fee for foreclosure prevention counseling.
- Assisting with housing discrimination – Housing discrimination can occur when people attempt to find and access housing following a disaster. HUD’s Office of Fair Housing and Equal Opportunity is available to assist people who believe they have experienced housing discrimination. If you think your rights have been violated, you should file a fair housing complaint with HUD. You can file a complaint by calling HUD at 1-800-669-9777 or visiting the portal to file a complaint on HUD’s website. Individuals who are deaf or hard of hearing may contact HUD using the Federal Relay Service at 1-800-877-8339. HUD may not help you if your complaint is filed more than one year after the last discriminatory act. You may also be able to file a complaint with a state or local fair housing agency. A list of the state and local fair housing agencies funded by HUD is available on HUD’s website here.