Hurricane Helene Resources
State and Local Resources
List of Resources (Compiled by NC Department of Public Safety; Includes County Information, Open Shelters, and Assistance Locating Loved Ones)
ReadyNC.gov (Road Conditions, Power Outages, and Other Emergency Information)
North Carolina Emergency Management (A Division of the NC Dept. of Public Safety)
- To Coordinate the Movement of Supplies, Equipment, and Other Resources in Western NC, email the NC Emergency Management Business Emergency Operations Center (NCEM-BEOC) at beoc@ncdps.gov
County Emergency Management Agencies
Disaster Unemployment Insurance
Small Business and Technology Development Center (SBTDC)
Economic Development Partnership of North Carolina (EDPNC)
NC Department of Insurance – What to Do Before, During, and After a Storm
Status of Public Water Supplies
Temporary Debris Storage/Waste Disposal
Federal Resources
Recovery Resource Guide for Local Business Owners (FEMA, SBA, and USDA Joint Collaboration)
DisasterAssistance.gov (List of Disasters, Application Deadlines for Federal Aid, Resource Locator)
Federal Emergency Management Agency (FEMA)
- FEMA Assistance for North Carolinians
- Disaster Assistance Options from FEMA
- National Flood Insurance Program (NFIP) – Flyer on Claims Process
- Help for Private Roads and Bridges
- Myth and Fact: North Carolina Helene Response
- Extension of the Grace Period for Payment of NFIP Premiums
- How to Request A Late Application for FEMA Assistance
U.S. Small Business Administration (SBA)
- SBA Disaster Assistance Loans (for Homeowners, Renters, Nonprofits, and Businesses of All Sizes)
- Fact Sheets for Banks – Disaster Loans – NC, SC, FL
- Availability of Loans, Call Center, and Filing Deadlines
- SBA Business Recovery Centers/Offices
- Deferments on SBA 7(a) and 504 Business Loans and Microloans (Information Notice 5000-20004)
- Standard Operating Procedure for 7(a) Loan Servicing and Liquidation (See Chapter 12. Deferments)
- Standard Operating Procedure for 504 Loan Servicing and Liquidation (See Chapter 12. Deferments
- SBA Exhausts Funds for New Disaster Loans (But Still Taking Applications and Congressional Funding Anticipated in November, 2024)
Federal Home Loan Bank of Atlanta
Fannie Mae
- Fannie Mae Mortgage Assistance and Disaster Relief Options
- Fannie Mae – Flyer on Free Disaster Recovery Counseling and Other Services
- Fannie Mae Disaster Response Kit (For Lenders)
Freddie Mac
- Freddie Mac Mortgage Assistance and Disaster Relief Options
- Freddie Mac – Flyer on National Disaster Relief for Consumers
- Freddie Mac Disaster Response Kit (For Lenders)
U.S. Department of Veterans Affairs (VA)
U.S. Department of Agriculture (USDA)
U.S. Department of Housing and Urban Development (HUD) / Federal Housing Administration (FHA)
- Disaster Relief Options for FHA Homeowners
- Extension of Foreclosure Moratorium for Homeowners with Certain FHA Loans (FHA Single Family Title II and Home Equity Conversion Mortgages)
- Mortgage Insurance for Disaster Victims Section 203(h)
- FHA – Servicer Loss Mitigation for Major Disasters
- HUD Disaster Resources
- Disaster Relief Cards – English, Spanish, Chinese, Vietnamese, Tagalog, Korean
- 203(h) Program Consumer Fact Sheet – English, Spanish, Chinese, Vietnamese, Tagalog, Korean
- Disaster Loss Mitigation Fact Sheet
- Flood or Hazard Insurance Proceeds Fact Sheet
- Funding to Support People Experiencing Homelessness or at Risk of Homelessness
Emergency Communications
- Connect to a Satellite with Your iPhone
- With iPhone 14 or later (all models), you can connect your iPhone to a satellite to text emergency services, request roadside assistance, message friends and family, and share your location — all while you’re off the grid with no cellular and Wi-Fi coverage.
- Get Emergency Help Through a Satellite with Your Pixel Phone
- If you’re in an emergency situation without Wi-Fi or mobile network, you can try to connect with emergency services through satellite. This feature is currently available in the US only (except Hawaii and Alaska). This feature is available on Pixel 9, Pixel 9 Pro, Pixel 9 Pro XL, and Pixel 9 Pro.
Legal Resources
Loss Mitigation Procedures (Real Estate Settlement Procedures Act / Regulation X – 12 CFR Section 1024.41)
Small Servicer Exemption to Mortgage Servicing Requirements
- Exemption from Certain Mortgage Servicing Rules (see 12 CFR Section 1024.30(b) and 1026.41(e)(4)
- FDIC – Who Is a Small Servicer?
NC Requirements for Deferrals of Principal and/or Interest on Home Loans
- See subsections (g) and (h) of NC General Statute 24-1-1A (for loan amounts less than $300,000)
- Exempt transactions are covered in NC General Statute 24-9 (see subsection (b))
- Special rules apply to home equity lines of credit (see 24-1.2A and 24-9(a)(2) and (c))
Other Resources
Hurricane Helene Relief Fund (Established by NCBA to Help Bank Employees)
American Bankers Association (ABA) Foundation – Disaster Relief Program
Independent Community Bankers Association (ICBA) Foundation – Hurricane Helene Relief Fund
NC General Assembly – Disaster Recovery Act of 2024
Restaurant Disaster Relief Fund