Ellicott City Recovery

​PROGRAMS AVAILABLE FOR ELLICOTT CITY FLOOD DISASTER

As part of the State of Maryland’s response to the recent flooding in Ellicott City, the Maryland Department of Housing and Community Development offers a number of programs that may assist impacted households and business owners. As part of this effort, current, outstanding applications previously submitted by Ellicott City for state assistance could be altered to increase funding or provide additional flexibility to assist the City.

The City has requested funding for façade improvement through the Community Legacy Program, and the Department will work with the City in order to increase funding based on damage assessments. The Department will also extend Ellicott City’s application deadline for the Strategic Demolition Fund to enable assistance if needed for this program.

Specific information on Community Legacy, the Strategic Demolition Fund, and other Maryland Department of Housing and Community Development programs follows below.

​DISASTER RELIEF HOUSING PROGRAM

This program provides financial assistance in a declared emergency area to a family whose primary residence was damaged or destroyed by the disaster. The program will allow 20 year loans at a 0% deferred interest rate to affected and eligible homeowners. The disaster relief financing is based upon the total cost to rebuild or rehabilitate the home, less any Federal Emergency Management Agency recoveries and less any insurance proceeds.

DHCD Contacts:

Jack Daniels
P: 301-429-7802
E: jack.daniels2@maryland.gov

David Klingler
P: 301-429-7799 ​
​E: david.klingler@maryland.gov

​WHOLEHOME (MARYLAND HOUSING REHABILITATION PROGRAM)

This program provides low interest rate financing to low- and moderate-income homeowners or to landlords with one to four unit rental properties in order to rehabilitate their dwelling or rental unit. Homeowners and tenants must meet eligibility requirements of 80% state-wide income. If this is a rental property, the owner must agree to recorded covenants restricting the rental unit usage.

[Further details available for this program - opens in separate window]​

DHCD Contacts:

Jack Daniels
P: 301-429-7802
E: jack.daniels2@maryland.gov

David Klingler
P: 301-429-7799
E: david.klingler@maryland.gov

MARYLAND DISASTER HOUSING ASSISTANCE PROGRAM (MDHAP)

This program is a resource for short-term, emergency rental assistance for families or individuals displaced by a natural disaster as identified by MEMA of DHR. MDHAP will pay the owner the advertised rent or 100% of the fair market, whichever is less. The term of the voucher is 90 days, extensions will be considered if the home is not ready for occupancy at the end of 90 days.

[Download the MDHAP Tenant Participation Fact Sheet] ​​

DHCD Contact:

Gregory Hare
P: 301-429-7775
E: gregory.hare@maryland.gov

COMMUNITY LEGACY

The Community Legacy program is a flexible source of grant and loan funding for revitalization of targeted areas; Downtown Ellicott City is eligible for these awards. Recent awards in Ellicott City include grants for storefront improvements and street furniture. The eligible applicant is Howard County or a local nonprofit development organization.

[Further details are available for this program - open in separate window] ​

DHCD Contact:

Melissa Archer
P: 410-209-5820
E: melissa.archer2@maryland.gov

STRATEGIC DEMOLITION FUND

The Strategic Demolition Fund is used by local governments and nonprofit community development organizations for a range of predevelopment activities, including removal of unsafe structures, demolition of obsolete structures, site acquisition and land assembly, infrastructure improvements, site development and architectural and engineering services.  Eligible applicants are local governments and local nonprofit development organizations.

[Further details are available for this program - open in separate window] ​

DHCD Contact:

Melissa Archer
P: 410-209-5820
E: melissa.archer2@maryland.gov

MAIN STREET MARYLAND

Ellicott City is one of Maryland's 28 designated historic Main Streets, and is, therefore, able to participate in quarterly trainings as well as participate in the above two grant programs as well as the Main Street Improvement Program, which provides a range of small grants for local revitalization projects. Eligible applicants are local governments and local nonprofit development organizations.

[Further details are available for this program - open in separate window]​​

DHCD Contact:

Susan Sheppard
E: susan.sheppard@maryland.gov

MARYLAND BUSINESS RECOVERY

The Maryland Business Recovery Loan Program is an emergency loan program to assist small businesses affected by the flooding event in Ellicott City on July 30, 2016.

Eligible Applicants

  • Maryland-based small businesses
  • Business must be located in a commercial space
  • Nonprofit organizations
  • Business must be located in Ellicott City’s Main Street area

Amount of Financing Available

  • Up to $50,000 (amount based on damage assessment).
  • Interest rate of zero percent (0%)
  • Higher amounts will be considered on a case-by- ​case basis
  • Financing may be used in conjunction with other financing, insurance proceeds, etc.
  • Target loan term is 1-5 years, depending on loan size and affordability

Eligible Uses of Funds

  • Renovations
  • Repairs and replacement of furniture, fixtures and equipment
  • Inventory replacement
  • Certain other costs associated with recovery of a small business, including working capital

DHCD Contact:

Michael Haloskey
P: 301-429-7523
E: michael.haloskey@maryland.gov
Note: Applicant must show proof of insurance status

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