State of Texas Plan for Disaster Recovery: Amendment 1 Hurricane Harvey – Round 1 Published: September 6, 2018 PREPARED BY Public Comment Period: September 7 - October 6, 2018 THE TEXAS GENERAL LAND OFFICE HUD Approved: COMMUNITY DEVELOPMENT & REVITALIZATION PROGRAM The Supplemental Appropriations for Disaster Relief Requirements, 2017 (Pub. L. 115–56), approved September 8, 2017 Table of Contents 1.1. Amendment 1: Summary of Changes ...................................................................................... 7 2.1. Executive Summary – State Action Plan ................................................................................. 9 2.2. Executive Summary – Harris County Local Action Plan ...................................................... 14 2.3. Executive Summary – City of Houston Local Action Plan ................................................... 16 2.4. Executive Summary – Total Allocation Budget .................................................................... 17 3.1. Needs Assessment – State Action Plan .................................................................................. 19 A. Cumulative Impact of Prior Disasters .................................................................................. 19 B. Impact of Hurricane Harvey ................................................................................................. 21 C. Resiliency Solutions and Mitigation Needs.......................................................................... 25 D. Demographic Profile of Impacted Counties ......................................................................... 27 E. Low- and Moderate-Income Analysis .................................................................................. 29 F. Social Vulnerability Index ................................................................................................... 29 G. Housing Impact .................................................................................................................... 31 1. Real Estate Market ............................................................................................................. 31 2. Homelessness..................................................................................................................... 32 3. Social Services: 2-1-1 Texas Program ............................................................................... 34 4. Interim Housing Assistance ............................................................................................... 37 5. Insurance ............................................................................................................................ 38 6. National Flood Insurance Program .................................................................................... 43 7. Texas Windstorm Insurance Association ......................................................................... 46 8. Small Business Assistance Disaster Home Loans ............................................................. 48 9. Public Housing Authority Data ......................................................................................... 50 10. FEMA Individual Assistance........................................................................................... 51 H. Infrastructure Impact ............................................................................................................ 59 1. Governor’s Commission to Rebuild Texas ....................................................................... 59 2. Texas Coastal Resiliency Study ........................................................................................ 60 3. FEMA Public Assistance ................................................................................................... 61 I. Economic Impact ................................................................................................................... 66 1. Employment....................................................................................................................... 66 2. Small Business Administration Business Disaster Loans ................................................. 66 3. Commercial Property Insurance ........................................................................................ 68 4. Agricultural Impacts .......................................................................................................... 71 Page 1 of 360 5. Tourism .............................................................................................................................. 71 6. Texas Economy ................................................................................................................. 72 3.2. Needs Assessment – Harris County Local Action Plan ......................................................... 73 A. Cumulative Impact of Prior Disasters .................................................................................. 73 B. Impact of Hurricane Harvey ................................................................................................. 73 C. Resiliency Solutions and Mitigation Needs.......................................................................... 75 D. Demographic Profile of Impacted Counties ......................................................................... 75 E. Low- and Moderate-Income Analysis .................................................................................. 76 F. Social Vulnerability Index .................................................................................................... 77 G. Housing Impact .................................................................................................................... 78 1. Real Estate Market ............................................................................................................. 78 2. Homelessness..................................................................................................................... 79 3. Social Services: 2-1-1 Harris County Program ................................................................. 79 4. Interim Housing Assistance ............................................................................................... 81 5. Insurance ............................................................................................................................ 81 6. National Flood Insurance Program .................................................................................... 81 7. Texas Windstorm Insurance Association .......................................................................... 82 8. Small Business Assistance Disaster Home Loans ............................................................. 83 9. Public Housing Assistance Data ........................................................................................ 83 10. FEMA Individual Assistance........................................................................................... 83 11. Residential Buyout Program ............................................................................................ 86 H. Infrastructure Impact ............................................................................................................ 88 1. FEMA Public Assistance ................................................................................................... 88 2. Commercial Buyout ........................................................................................................... 89 3.3. Needs Assessment – City of Houston Local Action Plan ...................................................... 90 A. Cumulative Impact of Prior Disasters .................................................................................. 90 B. Impact of Hurricane Harvey ................................................................................................. 90 C. Demographic Profile of Impacted Counties ......................................................................... 93 D. Low- and Moderate Income Analysis .................................................................................. 95 E. Social Vulnerability Index .................................................................................................... 97 F. Housing Impact ..................................................................................................................... 99 1. Real Estate Market ............................................................................................................. 99 2. Homelessness................................................................................................................... 100 3. Social Services: 2-1-1 Texas Program ............................................................................. 101 Page 2 of 360 4. Insurance .......................................................................................................................... 102 5. National Flood Insurance Program .................................................................................. 103 6. Texas Windstorm Insurance Association ........................................................................ 103 7. Small Business Assistance Disaster Home Loans ........................................................... 103 8. Public Housing Authority Data ....................................................................................... 103 9. FEMA Individual Assistance........................................................................................... 107 10. City of Houston’s