Kentucky Disaster Recovery Housing Program
Kentucky Division of Emergency Management
About This Program
State-administered disaster recovery program that provides grants and loans for home repairs following federally-declared disasters in Kentucky. Activated on case-by-case basis after major flooding, tornadoes, or other qualifying events. Not currently active; included for reference.
Grant amount varies by disaster severity and unmet need
Record set last reviewed 2026-06-09. How we verify our data.
Other published resources for Owensboro, KY, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:
- FEMA Hazard Mitigation Grant Program (HMGP) Varies, no individual cap; projects typically $10K-$200K+
- FEMA Increased Cost of Compliance (ICC) Coverage Up to $30,000
- HUD Lead Hazard Control & Healthy Homes Varies by jurisdiction, typically $5,000-$15,000 per unit
- EPA / WIIN Act Lead Service Line Replacement Varies, full line replacement cost covered in many programs
Key Details
- Activated following presidential disaster declarations
- Grants and loans for disaster-damaged homes
- Covers unmet needs not addressed by insurance/FEMA
- Income limits vary by program activation
- Not currently active; check after major disasters
How to Apply
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Track this programProgram phone: (800) 255-2587
Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.
You may need a contractor or estimate
Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in Owensboro.
Get matched with a contractorEach administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.
Your application paperwork
Documents you will likely need
- Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
- A government-issued photo ID for every owner on title.
- Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
- A written estimate from a licensed contractor for the work (many programs require this to apply).
- Photos of the problem area or the work to be done.
- The program's own application form, completed (use the official link or phone number on this page).
Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Activated only following presidentially-declared disasters
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Find More Programs in Owensboro, KY
This is one of several kinds of assistance that may be available. Review other programs separately and confirm whether their administrators allow coordination for the same work.
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