If your home was damaged in the 2023-2024 floods you may be eligible for new state housing assistance programs. The ReCoverCA program, run by California’s Department of Housing & Community Development (HCD), under their Disaster Recovery & Mitigation Division, will launch two key programs for homeowners impacted by the floods. 

The Single-Family Housing Rehabilitation / Reconstruction (SFRR) program assists homeowners whose primary residences were damaged or destroyed by the floods, and provides funding to repair, rebuild, or reconstruct single-family homes. 

Eligible applicants must show flood damage, have owned the home in a federally designated Most Impacted and Distressed (MID) Area, and be U.S. citizens or qualified aliens. (check language)

  • Owner-occupants: Must have lived in the home for two years at the time of disaster, not own additional properties, and have a household income capped at 120% of Area Median Income (AMI)
  • Landlords: Must rent the property for 5 years to low-to-moderate income households.

Covered costs include home rehabilitation or reconstruction (including manufactured homes), reimbursement of approved repair costs, property elevation in FEMA flood zones, and up to 2 years of flood insurance payments.

For more information about the SFRR program, visit the HCD’s “Program Resources” page: https://www.hcd.ca.gov/grants-and-funding/recoverca/program-resources

The Disaster Recovery Homebuyer Assistance Program (DR-HBA), part of ReCover CA, helps low- and moderate-income renters or homeowners who were impacted by the 2023 and 2024 disasters in certain California counties

Starting Nov. 10, 2025, the ReCoverCA Homebuyer Assistance Program will offer up to $300,000 for Californians who were impacted by the 2023 and 2024 floods to buy homes in safer areas. The financial assistance is provided as a Second Mortgage Loan, forgiven after five years of continued ownership and occupancy. The funds may be applied toward the down payments and closing costs.

Eligible applicants must have had their primary residence in a designated Qualifying Disaster Area at the time of flooding, have a household income capped at 80% of Area Median Income (AMI), have first-time homebuyer status (no ownership in the past 3 years, with exceptions). New homes must be in California, outside FEMA flood zones and CalFire high-risk fire areas.

The Designated Qualifying Disaster Areas are: 

  • 2023 floods
    • Hoopa Valley Tribe in northeastern Humboldt County  (ZIP 95546), Monterey, San Benito, Santa Cruz, Tulare, and Tuolumme counties.
  • 2024 floods
    • San Diego County

The first 60 days of the application period will prioritize households that can demonstrate they were impacted by a flood event

More information on eligibility and the application process will be released soon. To receive updates or application notifications, visit www.gsfahome.org/recoverca-hba and subscribe to email alerts.