Disasters & Pandemics

Disaster Relief

Hurricanes, wildfires and other natural disasters devastate communities and threaten the financial well-being of residents. NCLC works on a range of consumer law issues to help communities deal with the financial devastation of natural disasters while building a network of advocates in affected areas who can share information and learn from one another.

Protecting Access to Essential Utility Service During Extreme Heat and Climate Change

July 16, 2024

This report examines the impacts of extreme heat on utility consumers and recommends immediate actions policymakers and regulators must take to safeguard utility services for under-resourced consumers facing extreme weather. 

Read More about: Protecting Access to Essential Utility Service During Extreme Heat and Climate Change
August 24, 2023
September 30, 2022

Recent

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Digital Library: Essential Strategies for Disaster Recovery

September 30, 2025

What States Can Do To Protect Heirs From Disaster Displacement

September 30, 2025

Comment to FEMA Review Council on Heirs Property and Extreme Heat

May 15, 2025

Coalition Letter to Congressional Leadership Opposing HUD Staffing Cuts

March 11, 2025

2024 Letter Urging Regulators to Protect Credit Scores of Survivors of Hurricanes Helene and Milton

October 31, 2024

CA Response of Center for Accessible Technology and NCLC Regarding a Ruling on TURN’s Emergency Motion (Extreme Heat Protections)

October 22, 2024

Letter to HUD on CDBG-DR and Heirs Property/Alternative Title Documentation

October 21, 2024

Digital Library: Twelve Tips for Homeowners After Natural Disasters

October 1, 2024

Environmental Justice and Civil Rights Advocates’ Response to Petition For Rulemaking to Rescind EPA’s Title VI Disparate Impact Regulations

September 4, 2024

Comments & Letters

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Comment to FEMA Review Council on Heirs Property and Extreme Heat

May 15, 2025

Coalition Letter to Congressional Leadership Opposing HUD Staffing Cuts

March 11, 2025

2024 Letter Urging Regulators to Protect Credit Scores of Survivors of Hurricanes Helene and Milton

October 31, 2024

CA Response of Center for Accessible Technology and NCLC Regarding a Ruling on TURN’s Emergency Motion (Extreme Heat Protections)

October 22, 2024

Letter to HUD on CDBG-DR and Heirs Property/Alternative Title Documentation

October 21, 2024

Environmental Justice and Civil Rights Advocates’ Response to Petition For Rulemaking to Rescind EPA’s Title VI Disparate Impact Regulations

September 4, 2024

Texas Comment Letter to FEMA on Equity Interim Final Rule

July 22, 2024

Letter to FEMA on the National Advisory Council

May 30, 2023

Letter to the U.S. Department of Energy Regarding Implementation of the Home Energy Rebate Programs in the Inflation Reduction Act

January 18, 2023

Reports

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Protecting Access to Essential Utility Service During Extreme Heat and Climate Change

July 16, 2024

Obtaining Mortgage Relief for Victims of Disasters: A Practice Guide for Advocates

February 15, 2020

Press Releases & News

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Digital Library: Essential Strategies for Disaster Recovery

September 30, 2025

Digital Library: Twelve Tips for Homeowners After Natural Disasters

October 1, 2024

New Report Calls for Utility Protections Amid Extreme Heat

July 16, 2024

Digital Library: Disaster Relief Resources

August 24, 2023

Free Chapter: Homeowner Rights During Natural Disasters

September 30, 2022

HUD’s Disaster Relief Changes Will Allow for Faster Relief, But More Flexibility is Still Needed

September 4, 2019

Amicus Briefs

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Digital Library: Essential Strategies for Disaster Recovery

September 30, 2025

What States Can Do To Protect Heirs From Disaster Displacement

September 30, 2025

Comment to FEMA Review Council on Heirs Property and Extreme Heat

May 15, 2025

NCLC Digital Library Toolbox Webinar: Housing Topics

April 15, 2025

Coalition Letter to Congressional Leadership Opposing HUD Staffing Cuts

March 11, 2025

2024 Letter Urging Regulators to Protect Credit Scores of Survivors of Hurricanes Helene and Milton

October 31, 2024

CA Response of Center for Accessible Technology and NCLC Regarding a Ruling on TURN’s Emergency Motion (Extreme Heat Protections)

October 22, 2024

Letter to HUD on CDBG-DR and Heirs Property/Alternative Title Documentation

October 21, 2024

Digital Library: Twelve Tips for Homeowners After Natural Disasters

October 1, 2024

Webinars & Videos

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NCLC Digital Library Toolbox Webinar: Housing Topics

April 15, 2025

Assisting Homeowners After Disaster: The Basics

October 17, 2023

Resources for Consumers

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Digital Library: Twelve Tips for Homeowners After Natural Disasters

October 1, 2024

Free Chapter: Homeowner Rights During Natural Disasters

September 30, 2022

View Legislation Related to Disaster Relief

From the NCLC Digital Library

Mortgage Servicing and Loan Modifications

The definitive treatise on the new loan modification programs and rights to deal with mortgage servicers.

Read Chapter One

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