Bee Branch Healthy Homes Resiliency Program BrochureCopyrighted
October 2, 2017
City of Dubuque Consent Items # 4.
ITEM TITLE: Bee Branch Healthy Homes Resiliency Program Brochure
SUMMARY: City Manager transmitting the public information brochure
for the Bee Branch Healthy Homes Resiliency Program that
provides forgivable loans for housing repairs and
renovations.
SUGGESTED DISPOSITION: Suggested Disposition: Receive and File
ATTACHMENTS:
Description
Bee Branch Healthy Homes Resiliency Program
Brochure
Type
Supporting Documentation
-Vi
BEE BRANCH
HEALTHY HOMES
RESILIENCY PROGRAM
Many residents in the Bee Branch Watershed have
experienced repeated flash flooding from stormwater
during heavy rain events, including six Presidential
Disaster Declarations since 1999. As a result, they
are living with residual structural issues, electrical
hazards, and chronic mold and mildew problems.
SRA MILLISM
TO IMPROVE 32O
HOUSING UNITS
The Bee Branch Healthy Homes
(BBHH) Resiliency Program
includes $8.4 million in the
form of 5 -year forgivable loans
to improve 320 housing units,
including owner -occupied homes,
single -unit rentals, and small,
multi -family residential units.
Funds will be awarded to properties
where low- to moderate -income
residents reside and used to make
repairs and renovations to decrease
environmental health and safety
issues from flooding.
Making Homes More Resilient
The BBHH Resiliency Program will help Dubuque residents meet
unmet structural needs and empower individuals to be part of
the creation of more resilient housing through on-site storm water
management principles and sustainable, healthy homes behaviors.
A variety of repairs and renovations will improve housing conditions
and make homes more resilient to future flooding.
Examples Include:
• Foundation repairs and modifications
• Water and sewer service improvements
• Furnace replacement
• Water heater replacement
• Basement window repairs
• Mold and mildew remediation
• Lead paint and asbestos remediation
• Sidewalk improvements
• Sump pumps repair/installations
• Property drainage improvements
THE CITY OF
DUB
E
Masterpiece on the Mississippi
))) For more information or to apply, visit www.cityofdubuque.org/bbhh or call (563) 690-6168.
glEligibility Requirements
Has your home or property been damaged from flash flooding? Is i
you like your property to be more resilient? Follow the steps below
eligible to receive assistance through the Bee Branch Healthy Homes
your home or property been damaged from flash flooding? Is it in need of repairs? Would
you like your property to be more resilient? Follow the steps below to determine if you are
eligible to receive assistance through the Bee Branch Healthy Homes Resiliency Program.
Assistance is in the form of a 5 -year forgivable loan.
STEP 1 11)
LOCATION
Your home or property must
be located in the Bee Branch
Watershed Healthy Homes
eligibility area pictured on
the right.
INTERACTIVE MAP
Visit cityofdubuque.org/bbhh
to view the BBHH interactive
map. Enter your address
to find out if your home or
property is located in the
eligibility area.
STEP 2 111
PROPERTY TYPE
OWNER -OCCUPIED
The homeowner must be
at or below 80% of the
area median income by
household size established
by HUD guidelines.
RENTAL PROPERTY *
A minimum of 51% of the
tenant households currently
living in the property must
be at or below 80% of the
area median income by
household size established
by HUD guidelines.
Wye
PENNSYLVANIA AVE
Areas Eligible for Assistance
Bee Branch Watershed
Dubuque City Limits
u/
U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT (HUD)
2017 INCOME GUIDELINES **
1 Person
Household
2 Person
Household
3 Person
Household
4 Person
Household
$37,200
$42,500
$47,800 $53,100
5 Person
Household
6 Person
Household
7 Person
Household
8 Person
Household
$57,350
61,600
$65,850
$70,100 j
* The 51% low to moderate income (LMI) requirement must be maintained for
the duration of the 5 -year forgivable loan. Annual certification will be required.
** HUD releases new income guidelines every year. Therefore, they are
subject to change.
For questions, please call (563) 690-6168 or email bbhh@cityofdubuque.org.
--1°11
STEP 3111
REQUIREMENTS
The property owner must
meet and agree to these
requ irements:
STEP 4 ))1
APPLICATION
If your home or property
is located in the Bee
Branch Healthy Homes
eligibility area, you or your
tenants meet the income
guidelines established by
HUD, and you agree to the
requirements above —
we invite you to submit
an application.
PROGRAM REQUIREMENTS
1. Resiliency funds received through the Bee Branch Healthy Homes Resiliency
Program will be secured as a 5 -year forgivable loan which decreases at a rate
of 20% per year.
Single -Family Owner Occupied:
The home must remain the primary residence for the 5 -year period.
Rental Property:
The 51% Low to Moderate Income (LMI) requirement must be maintained
for the duration of the 5 -year loan. Annual certification will be required.
2. The property must be covered by property insurance in an amount equal to or
greater than the current assessed value. The City of Dubuque shall be named
as an additional insured on the grantee's homeowners insurance for
the duration of the forgivable loan.
3. The property must carry flood insurance for the duration of the loan if the
property is located in the 100 -year flood plain. The City of Dubuque shall
be named as an additional insured on the flood insurance policy.
4. The property owner must be current with regard to their mortgage, property
taxes, and utility payments associated with the property.
HOW TO APPLY
APPLY ONLINE at www.cityofdubuque.org/bbhh
- OR -
FILL OUT A PAPER APPLICATION
Paper applications are available at the City of Dubuque Housing & Community
Development Department on the third floor of the Historic Federal Building
at 350 West 6th Street, Dubuque. To request an application be mailed to you,
call (563) 690-6168.
QUESTIONS OR COMMENTS?
Contact BBHH Resiliency Coordinator
Sharon Gaul at (563) 690-6168 or
bbhh@cityofdubuque.org.
Please note, no applicant is
guaranteed any funding until notified
in writing by the City of Dubuque.
To apply for assistance, visit www.cityofdubuque.org/bbhh or call (563) 690-6168.
EQUAL HOUSING
OPPORTONITY
FAQSFrequently Asked Questions
In what order will the applications
be processed, and approximately
how long will it take to review?
Applications will be accepted on
a first-come, first-served basis.
The City will maintain a written
summary of the order in which
applications are received and
approved. The application and
verification process is expected to
take up to 30 days or more.
Who will contact me? A BBHH staff
member will help you through the
application and verification process.
You will also be required to meet
with a BBHH home advocate and
construction administrator.
Who will evaluate my property
and determine how it can be made
more resilient? A BBHH inspector
will visit and assess your home or
property for eligible construction
activities. You will receive a
summary of the proposed activities,
and if you decide to proceed,
the same inspector will request
bids for the project from local
sub -contractors.
Funding
Do I have to implement all of the
recommended improvements?
Generally, yes. Completing all of
the recommended construction
activities will give your home or
property the best chance for flood
resilience. If the property owner
has objections, those objections
will be handled on a case-by-case
basis and worked out in a way that
satisfies the grant requirements.
Who will choose the contractor?
The construction administrator will
choose the lowest responsible bid
that meets production schedule
requirements.
How soon can I expect construction
to begin after the contract has
been awarded? The construction
schedule will be dependent on the
scope of work, readiness of the
unit, the contractor's schedule,
weather, and overall grant
production milestones.
Will I have to pay anything out of
pocket for construction? No.
How much money can I expect
might be spent on my property?
There is no minimum or maximum
amount to be spent per unit. Please
note, some properties will be more
vulnerable than others and will
therefore require more work. The
grant has budgeted an average of
$15,067 to be spent per unit.
What happens if I'm concerned
about the contractor's quality of
work? If you are unhappy with the
quality of work being performed
at your home or property, we ask
that you contact your construction
administrator so we may address
your concerns.
What is a forgivable loan?
Forgivable loans require borrowers
to fulfill certain responsibilities
and adhere to certain restrictions if
the money they owe is going to be
forgiven. Failure to meet the terms
of the forgivable loan contract will
mean the borrower will have to
repay what he/she borrowed.
In January 2016, U.S. Department of Housing and Urban Development (HUD) awarded the
City of Dubuque $31.5 million in disaster resiliency funds for the Bee Branch Healthy Homes
Resiliency Program and stormwater infrastructure improvements including the Bee Branch Creek
Railroad Culverts and West Locust Street and Kaufmann Avenue storm sewer projects. The City
of Dubuque partnered with the State of Iowa to apply for the federal funds through the National
Disaster Resilience Competition (NDRC), which invited communities that experienced natural
disasters in 2011, 2012, or 2013 to compete for funds to help them rebuild and increase their
resilience to future disasters.
Iowa Watershed Approach (IWA)
Through the Iowa Watershed Approach (IWA), Iowans will work together to address factors that
contribute to floods and nutrient flows. This adaptive model, supported by HUD dollars through
the NDRC, will leverage the principles of Iowa's innovative Nutrient Reduction Strategy to
make our communities more resilient to flooding and help improve water quality. The Bee
Branch Watershed is one of nine distinct watersheds across Iowa serving as project sites for
the IWA. For more information, visit www.iihr.uiowa.edu/iwa.
i
))) For more information or to apply, visit www.cityofdubuque.org/bbhh or call (563) 690-6168.