Res 2021-064/approving Substantial Amendment No. 10 to the Community Development Block Grant-Disaster Recovery (CDBG-DR) Action Plan

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While the City may choose to repair homes that are classified as "Affected" or "Minor" related to damage, it should be noted that any home classified "Major" or "Severe" within the 100 -year flood plain receiving CDBG-DR assistance from this allocation will be required to be elevated to at least two feet above Base Flood Elevation (BFE), as required under FR -5938-01. The cost to carry flood insurance for homeowners taking advantage of a potential CDBG-DR housing program should not be understated, as it will most likely create a cost burden on an applicant, thereby making maintaining that home no longer affordable for the income levels that are required to be assisted with these funds. The City will need to determine during implementation whether these homeowners will be offered buyout and relocation assistance in lieu of elevating their property. Homes that are in the "Major" or "Severe" categories will need to be completely reconstructed, or possibly, if within the flood plain as described above, bought out which would afford the homeowner the opportunity to move to a lower risk area. According to initial City estimates, out of 13,680 rental units citywide, the flood damaged over 675 rental housing units within our most impacted area. Citywide, these rental units, as mentioned previously, typically house the LMI population of the City, as well as a large portion of the student population of Texas State University. The rental housing market can define its unmet needs as rental programs to repair/replace damaged rental units, create additional rental programs to house displaced households (homeowners and renters), and rental housing to assist special needs populations who have difficulty finding affordable housing in the restricted and expensive rental housing market. Of the 675 units that were damaged, insurance payouts have already been provided to 94 units. While residents within the remaining units may have received FEMA IA, the assistance they have received would not have covered the property damage as they are not the owners of record. Therefore, the City estimates that there are still 581 rental units within this area, and possibly more across the City, that may need Disaster Recovery assistance. Units within the 100 -year flood plain that received significant damage (meeting the FEMA classifications of Major or Severe), may be reconstructed, but will at minimum have to be elevated to two feet above the Base Flood Elevation. Those adjacent to the flood plain will not require elevation and can be rehabilitated or reconstructed depending on the level of damage. In all circumstances, LMI residents within these units may be provided relocation assistance to other units within the City while their unit is being repaired or replaced. Public and HUD Assisted Housing Needs During the Memorial Day and All Saints floods of 2015 the San Marcos Housing Authority sustained damages of approximately $1,300,000 to 100 units of their 287 -unit inventory. The repairs are complete. The units were occupied by households with incomes as follows: 30% AMI. The San Marcos Housing Authority has been forced to use resources originally intended for improvements to other facilities and has delayed those improvements for an indefinite period since other sources of revenue have been exhausted. Since the floods, the San Marcos Housing Authority has received approximately $1,390,603 in assistance, broken out as follows: United Way Contribution $70,000.00 Private Cash Donation $43,330.00 TML Flood Insurance (All Saints) $168,629.00 FEMA $458,644.00 Last Updated 3/03/20 Page 22 of 63