HUD Foreclosure Relief in Texas Floods
HUD is offering foreclosure relief after the Texas floods.
Since July 2, 2025, torrential storms, straight-line winds, and relentless flooding have battered Kerr County, Texas. More than 100 lives have been lost. Families have been displaced. Entire communities have been changed forever.
In the wake of this unimaginable tragedy, the U.S. Department of Housing and Urban Development (HUD) has stepped in to offer critical support to homeowners trying to hold on to the only stability they have left — their homes.
Immediate Relief for FHA Homeowners
In response to the President’s major disaster declaration, HUD Secretary Scott Turner has announced a 90-day foreclosure moratorium for FHA-insured single-family homes in Kerr County.
“Our hearts break as we witness the catastrophe unfolding in Texas,” said Secretary Turner. “The flash floods have claimed the lives of more than 100 Americans and displaced countless others. It is an unfathomable tragedy, and HUD will continue to provide resources and support as we pray for the Texas Hill Country community.”
This moratorium prohibits mortgage servicers from initiating or completing foreclosure actions in the impacted area. It applies to FHA-insured single-family forward mortgages and Home Equity Conversion Mortgages (HECMs).
This means more than 900 families in Kerr County now have a window of time to begin recovering without the immediate threat of foreclosure.
How Homeowners Can Access Help Now
If you’re a homeowner affected by these floods, here’s what you need to know and do:
1. Contact Your Mortgage Servicer
If your home is located in the Presidentially Declared Major Disaster Area (PDMDA) and you are struggling to make mortgage payments:
- Reach out to your mortgage servicer immediately.
- Inform them of your situation and ask about your disaster-related options under the moratorium.
2. Call the FHA Resource Center
Homeowners can also contact the FHA Resource Center for more information at: 1-800-CALL-FHA (1-800-225-5342)
This line supports individuals who are deaf, hard of hearing, or have communication disabilities. Accessible call guidance is available here: Telecommunications Relay Service (TRS)
Support for Homeowners and Renters Beyond Foreclosure Relief
HUD’s commitment goes beyond a temporary pause in foreclosure. Affected individuals — homeowners and renters — can find immediate and long-term assistance through the following:
HUD-Approved Housing Counselors
If you’re unsure where to begin or need housing advice, certified housing counselors can guide you through your options:
- Use HUD’s Online Housing Counselor Search Tool
- Or call 1-800-569-4287 to connect with someone who can help
These services are free and tailored to your specific needs, including help with rental assistance, foreclosure avoidance, and disaster recovery.
Section 203(h) – Rebuild or Replace Your Home
If your home was destroyed or severely damaged:
- Ask an FHA-approved lender about FHA’s 203(h) program.
- This program allows 100% financing for eligible borrowers to rebuild or purchase a replacement home.
You can find an FHA-approved lender here: HUD Lender Search
Section 203(k) – Repair and Renovate
For those whose homes are damaged but not destroyed:
- The Section 203(k) program enables you to purchase and repair or refinance and renovate a home with one mortgage.
- This streamlined process helps you make your home livable again — fast.
Hope Amid Heartbreak: HUD’s Commitment to Long-Term Recovery
The grief in Kerr County is real. So are the fears about the future. However, federal aid — such as this action from HUD — offers a lifeline.
The 90-day moratorium provides critical breathing room. But it’s just the beginning of a longer recovery. HUD, in partnership with state and local agencies, is working to assess ongoing damage, direct resources where needed most, and ensure that no family slips through the cracks.
To stay informed on HUD’s disaster recovery support, visit the HUD Disaster Resources page: HUD Disaster Relief and Recovery
