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    <title>Hurricane Harvey survivors will face long-lasting financial challenges - Business Insider</title>
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<h1>100,000 homes have been destroyed or damaged by Harvey â and for survivors the financial toll is just beginning</h1>

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  <p>
    <strong>
      <span class="KonaFilter image-container display-table float_right image on-image" data-post-image="">
        <img src="http://static4.businessinsider.com/image/59a840fc6eac4020008b7370-1443/ap17242614175831.jpg" alt="rebuilding homes Hurricane Harvey" data-mce-source="AP Photo/Eric Gay" data-mce-caption="Workers begin repairs to a wall that was lost in the wake of Hurricane Harvey, Wednesday, Aug. 30, 2017, in Rockport, Texas."><span class="caption-source">
          <span class="caption">FEMA
  assistance after Hurricane Katrina averaged just
  $7,114.</span>
          <span class="source">AP Photo/Eric
  Gay</span>
        </span>
      </span>
    </strong>
  </p>
  <ul>
<li>
      <strong>Officials estimate up to 100,000 homes were damaged or
    destroyed as a result of Harvey.</strong>
    </li>
    <li>
      <strong>The worst of the storm was over by Thursday, August 31,
    but recovery is expected to last months.</strong>
    </li>
    <li>
      <strong>325,000 have already applied for assistance from FEMA,
    the only aid available for the more than 80% of people without
    flood insurance.</strong>
    </li>
  </ul>
<p>
  Since Hurricane Harvey <a href="http://www.businessinsider.com/tropical-storm-harvey-hurricane-updates-map-texas-where-landfall-damage-2017-8">
  made landfall in Texas</a> last Friday, dangerous flooding has
  driven tens of thousands of people from their homes, and
  "<a href="https://twitter.com/NWS/status/901832717070983169">unprecedented</a>"
  rainfall and winds wreaked havoc across parts of the state.
  Aerial <a href="http://www.businessinsider.com/houston-harvey-flooding-aerial-photos-2017-8">
  photos</a> of the aftermath in Houston show entire neighborhoods
  submerged in water.
</p>
  <p><a href="http://www.cnn.com/2017/08/31/us/harvey-houston-texas-flood/index.html" target="_blank" rel="noopener noreferrer">As many as 100,000
  homes</a> have been damaged or destroyed as a result of Harvey,
  according to homeland security adviser Tom Bossert. Houston
  officials estimate that <a href="http://abcnews.go.com/US/harvey-now-tropical-storm-makes-landfall-louisiana/story?id=49507156">
  up to 40,000 homes</a> in the city have been destroyed. The
  coastal areas of Rockport and Port Arkansas, which are close to
  where the storm made its first landfall, were <a href="http://www.businessinsider.com/hurricane-harvey-destruction-flooding-photos-2017-8">
  heavily damaged as well,</a> as were <a href="http://www.businessinsider.com/harvey-port-arthur-26-inches-rain-flash-floods-residents-survival-mode-2017-8">
  the nearby cities of Port Arthur and Beaumont</a>.
</p>
  <p>
  Over the coming days and weeks, Texans who fled their homes for
  safety will return to devastating scenes. For survivors, the
  financial toll is just beginning.
</p>
  <p>
  Of the more than 300,000 Harvey survivors who had applied for
  FEMA aid as of Thursday, more than 96,000 individuals and
  households had been approved. <a href="http://www.businessinsider.com/r-hurricane-harvey-will-be-a-big-test-for-fema-2017-9">
  According to Reuters</a>, $57 million has already been allotted
  to victims, with $9.5 million approved for housing assistance to
  help with rent of up to $2,000 a month. Victims may also receive
  $500 to cover "critical needs" such as diapers, infant formula,
  food and fuel.
</p>
  <p>
    <div>
<blockquote class="twitter-tweet" data-lang="en" data-cards="" data-conversation="">
		<p lang="en" dir="ltr">
			325k survivors signed up for assistance and counting. If affected by <a href="https://twitter.com/hashtag/Harvey?src=hash">#Harvey</a>, register for <a href="https://twitter.com/fema">@fema</a> aid at <a href="https://t.co/VxTH4dA4AS">https://t.co/VxTH4dA4AS</a>		</p>â Brock Long  (@FEMA_Brock) <a href="https://twitter.com/mims/statuses/903299217900363776">August 31, 2017</a>
	</blockquote>
	<script async src="//platform.twitter.com/widgets.js" charset="utf-8"></script>
</div></p>
  <p>
  The recovery process â from salvaging personal belongings to
  catching up on mortgage payments to dealing with insurance
  companies â will be long-lasting and could leave many people in
  financial ruin. Here are some of the challenges survivors will
  face once the flood waters subside.
</p>
  <h2>
  Mortgage payments
</h2>
  <p>
  In Houston and nearby areas impacted by the storm, there are
  "more than twice as many mortgage properties with nearly four
  times the unpaid principal balance" as there were in the counties
  hit by Hurricane Katrina in 2005, <a href="https://www.cnbc.com/2017/08/30/harvey-hits-mortgages-as-flood-stricken-homeowners-are-unlikely-to-pay.html">
  according to data cited by CNBC</a> from Black Knight Financial
  Services.
</p>
  <p>
  An aftermath on par with Katrina could mean 75,000 Houston
  borrowers may fall behind on their mortgage payment in the next
  two months, and 45,000 could become "seriously delinquent" within
  four months.
</p>
  <p>
  Mortgage lenders Fannie Mae, Freddie Mac, and the Federal Housing
  Administration (FHA) are offering some relief for homeowners
  affected by Harvey, <a href="https://www.cnbc.com/2017/08/30/harvey-hits-mortgages-as-flood-stricken-homeowners-are-unlikely-to-pay.html">
  forbearing mortgage payments at least 90 days</a>, and
  potentially up to a year. Borrowers won't have to make their
  monthly payments and no penalties will apply, though interest
  will still accrue.
</p>
  <h2>
  Flood insurance
</h2>
  <p>
  Only 17% of the homes in the eight counties left in Harvey's wake
  have flood insurance, which can cost homeowners anywhere from
  $500 to $2,000 annually depending on the location, <a href="https://www.washingtonpost.com/news/wonk/wp/2017/08/29/where-harvey-is-hitting-hardest-four-out-of-five-homeowners-lack-flood-insurance">
  according to the Washington Post</a>.
</p>
  <p>
  For the more than 80% of homeowners without flood insurance,
  private charity and grants from FEMA is all they have. At the
  high-end, a homeowner who can prove their house is unlivable can
  be given up to $33,300 from FEMA.
</p>
  <p>
  Still, the process to receive aid can take weeks or months after
  a disaster like Harvey.
</p>
  <p>
  A lack or delay of funds could force many people into debt or
  bankruptcy, particularly if a home is the most valuable financial
  asset they own. <a href="http://www.businessinsider.com/r-hurricane-harvey-will-be-a-big-test-for-fema-2017-9">
  According to Reuters</a>, the average FEMA payout to victims of
  Hurricane Katrina was just $7,114, and $8,016 for Sandy.
</p>
  <p>
  "There are some early indications that this is going to have an
  exceptionally large impact on the number of people who are
  totally uninsured," Howard Mills, the global insurance regulatory
  leader at Deloitte, <a href="https://qz.com/1063985/hurricane-harvey-why-85-of-homeowners-in-houston-dont-have-federal-flood-insurance/">
  told Quartz</a>.
</p>
  <p>
  Most flood insurance policies are issued through the
  government-run <a href="https://www.fema.gov/national-flood-insurance-program">National
  Flood Insurance Program</a> (NFIP), which is already $25 billion
  in debt after payouts from Hurricanes Katrina and Sandy. Those
  policies will cover up to $250,000 in rebuilding costs for
  structural damage to residential properties.
</p>
  <p><a href="https://www.fema.gov/nfip-file-your-claim">Filing a
  claim</a> is the first step, and then homeowners will need to
  document the damage with photos and make an appointment for an
  adjuster to visit. As thousands of people move through this
  process simultaneously, claims and payments are likely to be
  delayed.
</p>
  <h2>
  Replacing belongings
</h2>
  <p>
  Legendary investor Warren Buffett â whose company Berkshire
  Hathaway owns Geico and several other insurers â<a href="http://www.businessinsider.com/ap-billionaire-warren-buffett-says-hurricane-damage-will-linger-2017-8">said</a>
  it's likely that 10% of the vehicles Geico insures in the Houston
  area will have to be replaced.
</p>
  <p>
  Flood insurance policies through FEMA will replace damaged
  personal belongings such as clothing, TVs, and furniture up to
  $100,000. But with the vast majority of homeowners in the area
  uninsured, the losses could be immense.
</p>
  <h2>
  Managing money
</h2>
  <p>
  Tens of thousands of people quickly evacuated their homes before
  Harvey's first landfall, possibly leaving behind important
  financial documents, like social security information, tax
  documents, insurance policies, and mortgages. These are all
  <a href="https://www.usa.gov/replace-vital-documents">replaceable</a>,
  but may take some time.
</p>
  <p>
  The Federal Trade Commission <a href="https://www.consumer.ftc.gov/articles/0379-dealing-weather-emergency-getting-back-your-feet-financially">
  suggests</a> reaching out to credit card companies, lenders, and
  other financial institutions to ask for help. Many could be
  willing to defer payments, extend grace periods, waive late fees,
  postpone collection or foreclosures, or raise credit limits.
</p>
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                            <h3><span class="all-caps">SEE ALSO:</span> <a href="http://www.businessinsider.com/hurricane-harvey-donate-to-the-red-cross-and-salvation-army-2017-8" >Here's how to donate to the Red Cross and Salvation Army to help Hurricane Harvey victims in Texas</a>
                </h3>
                            <h3><span class="all-caps">DON'T MISS:</span> <a href="http://www.businessinsider.com/hurricane-harvey-photos-of-people-being-rescued-2017-8" >These stories of people being rescued from Hurricane Harvey will restore your faith in humanity</a>
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    <h1 itemprop="name">100,000 homes have been destroyed or damaged by Harvey â and for survivors the financial toll is just beginning</h1>
    <a href="http://www.businessinsider.com/hurricane-harvey-survivors-financial-toll-2017-8" itemprop="url">100,000 homes have been destroyed or damaged by Harvey â and for survivors the financial toll is just beginning</a>
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