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Marshall Fire Community Development Block Grant Disaster Recovery Program

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The 2022 Community Development Block Grants for Disaster Recovery (CDBG-DR) Allocation for the Marshall Fire and Straight Line Winds Event (Disaster Recovery-4634) is part of the State of Colorado Housing Recovery Program (HRP). The purpose of the Housing Recovery Program is to provide grant/forgivable loans and traditional loans for those who have been impacted by state or federally declared disasters. 

The Community Development Block Grant Disaster Recovery portion of the Housing Recovery Program consists of the following:

  • Homeowner Rehabilitation and Reconstruction
  • Landlord Property Rehabilitation and Reconstruction
  • Home Wind and Wildfire Hardening
  • Infrastructure and Planning/Education/Capacity

For more information on housing rehabilitation, housing reconstruction, and to apply for funding, visit the Housing Recovery Program webpage.

Second Allocation Update: Substantial Amendment Submitted to HUD

DOLA held Public Hearing on Tuesday, April 4, 2023 to inform the public about the program and allow them to ask questions and provide feedback on the Proposed Amended Public Action Plan. The public hearing opened a 30 day public comment period, which allowed the general public to comment or ask questions about the amendment. View DOLA’s responses to the comments here. DOLA submitted the amended Action Plan to HUD on 5/18/2023.


HUD has approved DOLA’s Public Action Plan for the Marshall Fire and Straight Line Wind Disaster. The approved Public Action Plan is available below in the Certifications and Policies section

Who Should Apply

  • The property must have sustained damages as a result of the 2021 Marshall Fire and Straight Line Winds event and be located within Boulder County.
  • You have an existing funding gap for rebuilding or renovation that is not covered by homeowners insurance or other financial support including FEMA, non-profit support, or other financial assistance for rebuilding.
  • Homeowners: You were the property owner of the dwelling that was your primary residence at the time of the disaster and the owner of the property at the time of application.
  • Landlords: The property owner must have been a resident or business or nonprofit organization authorized to operate in the State on December 31, 2021.  Property owners do not have to reside in the State at the time of application to be eligible.
  • If your income is at or below 120% of the Area Median Income (AMI), for your household size, you may be eligible for a Community Development Block Grant Disaster Recovery grant/forgivable loan through Housing Recovery Program. The 2023 Colorado HUD AMI by county table is available for download.
    • Every household income level is eligible for a traditional loan through the Housing Recovery Program.

2023 Boulder County 120% AMI Values

  • 1 Person: $111,550
  • 2 People: $127,500
  • 3 People: $143,400
  • 4 People: $159,350
  • 5 People: $172,100
  • 6 People: $184,850
  • 7 People: $197,600
  • 8 People: $210,350

Questions about the Housing Recovery Program Application

For inquiries regarding the application process, eligibility, or individuals seeking information about the State’s Housing Recovery Program, you can connect with a representative by calling or texting 303-532-2785 Monday through Friday 8:30 a.m. - 5:00 p.m. mountain standard time or emailing rebuild@cedproject.org.

Anti-Fraud, Waste, and Abuse

The State of Colorado will make available to HUD detailed Fraud, Waste, and Abuse Policies and Procedures to demonstrate adequate procedures are in place to prevent fraud, waste, and abuse. If you suspect fraud, waste, or abuse, please call the Colorado anti-fraud, waste, and abuse hotline at (800) 222-4444.

Complaints regarding fraud, waste, or abuse of government funds should be forwarded to the HUD OIG Fraud Hotline (800–347–3735) or email address (hotline@hudoig.gov).

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Determining your Award

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Awards may be based on the income level of the household. Household income is calculated at the time of application. Area Median Income, AMI, is calculated by the Department of Housing and Urban Development for all counties and household sizes across Colorado. Median income is the midpoint of the range of incomes from lowest to highest. So half the population is above that point and half is below. It is a more accurate gauge of income since the value is not affected by high-income households.

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Excel Assistance Calculator

 An assistance calculator has been developed to help impacted homeowners to determine funding eligibility and your Area Median Income.

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Alternate Method To Find Your AMI

You can also use this method to determine your Area Median Income level.

  1. Download the 2023 AMI tables.
  2. Find your county.
  3. Find the row that represents your household size (including children and any non-family members who live there permanently).
  4. Based on your annual income, read across the Household size row until you get to the column with the first dollar amount that equals or exceeds the combined annual income of all household members.
  5. The first column that equals or exceeds your household income is your AMI level (80%, 100%, 120%, and 150%). This level of AMI is used to identify the grant/forgivable loan you may be eligible for.
  6. Households with an annual income that is greater than the county’s 150% AMI are not eligible for a grant/forgivable loan but are eligible for traditional loans.

Example

Say you want to find the AMI level for a Boulder County household of 3 persons with a combined household income of $100,000.

  1. Download the AMI tables file.
  2. Find the table for Boulder County.
  3. Find the row showing household size of 3 persons.
  4. Read across the row with 3 persons until the AMI number equals or exceed $100,000.
  5. As the 100% AMI column reads $119,550, that equals or exceeds the household income of $100,000. The household income in this example is at the 100% AMI level.

 

The first Quarterly Performance Reports will be posted one month after the first quarter has ended, after the program is open.

For Housing recovery efforts, eligible applicants include persons who owned a disaster impacted home as their primary residence, and landlords of small rental properties, at the time of an eligible federally-declared disaster  Eligible property types include: single-family residences, duplexes, townhomes or condominiums, and manufactured homes or mobile homes permanently affixed to permanent foundations and taxed as real property that sustained major or severe damage.

What is the affordability period for rental properties?
Landlords will be able to apply for rebuilding assistance once HUD approves the CDBG-DR Action Plan and those funds are grant/forgivable loan to the State.  Receipt of this assistance is conditional on maintaining affordable rents for a period of at least 5 years and in accordance with the Division of Housing current guidelines.

Is there a timeframe for expenses?
CDBG-DR funds in Boulder County are eligible to reimburse recovery expenses from the federal disaster declaration on December 31, 2021.

Are second homes or vacation homes eligible for funding?
No. These funds are only available for homes that were used as primary residences at the time of the disaster. Second homes and short term rental properties are not eligible for this program.

Are Manufactured Homes eligible for funding?
Manufactured homes (called mobile homes prior to 1967) are eligible for HRP funds. Expenses related to manufactured homes include repairs to roofing, skirting, tie-down anchors, utilities, and the structure of the manufactured home. Eligible expenses also include the replacement of a manufactured home that is not habitable due to the disaster and cannot meet current life, safety, and building codes.

Are permitting fees and use taxes eligible expenses?
Yes, the rebuilding cost calculation is inclusive of permitting fees and sales and use taxes; therefore, it is a reimbursable expense to the extent that it is included in the calculation of the underinsurance gap. These costs are still subject to the overall program's maximum grant/forgivable loan and loans.

What is the difference between standard and custom construction?
Standard quality reconstruction or renovation work is used to develop estimates. Should a contractor estimate or a bid be developed using custom or premium furnishings or finishes, those items will be adjusted downward to mirror the price of standard quality elements in developing the projected cost of reconstruction or renovation. Any premium construction will be at the homeowner’s expense; however, fire and wind mitigation costs are considered legitimate rebuilding costs and are not considered ‘custom or premium’ construction for the purposes of estimating rebuilding costs.

How can I apply?
Complete an application online.

Who can help me with my eligibility and application questions?
For inquiries regarding the application process, eligibility, or individuals seeking information about the State’s Housing Recovery Program, you can connect with a representative by calling or texting 303-532-2785 Monday through Friday 8:30 a.m. - 5:00 p.m. MST or emailing rebuild@cedproject.org.

What documents will I need to apply for funding?
A comprehensive list of required background documents to apply for funds has been developed. To get ready to apply, you may begin compiling the following:

  • Proof of occupancy - most recent utility bill prior to state-declared disaster
  • Most recent Federal Tax Return, W2, 1099 and K1 (Provide 2 years if self-employed)
  • Income Verification (30 days of pay stubs, current SSI/disability/Pension award letter, 2022 P&L if self-employed, etc.)
  • Insurance declaration page, claim/settlement docs, and Scope/Summary Of Loss (all pages)
  • Award or denial letter from FEMA, if applicable
  • Documentation of any other financial assistance already received for rebuilding
  • Signed E-Consent
  • Signed Borrower’s Authorization
  • Statement of Household Income for all household members
  • Rebuild cost (Home that Was Estimate) or repair cost estimates with line item breakdown (if available)
  • Government issued identification for all applicants (driver’s license, passport, permanent resident alien card, etc.)
  • Proof of ages of dependents (birth certificate, passport, tax return, school records, etc.)
  • Award or denial letter from Small Business Administration (SBA), if applicable.

Award Information
Community Development Block Grant Disaster Recovery funds come in the form of a grant/forgivable loan. The maximum eligible grant/forgivable loan amount is dictated by the income level of the applicant.

County Area Median Income Level: Under 80% AMI

  • Maximum Grant / Forgivable Loan Value *: Up to $100,000

County Area Median Income Level: 80% AMI to 100% AMI

  • Maximum Grant / Forgivable Loan Value *: Up to $75,000

County Area Median Income Level: Over 100% to 120% AMI

  • Maximum Grant / Forgivable Loan Value *: Up to $50,000

County Area Median Income Level: Over 120% to 150% AMI

  • Maximum Grant / Forgivable Loan Value *: Up to $25,000

County Area Median Income Level: Over 150% AMI

  • Maximum Grant / Forgivable Loan Value *: N/A

* Area Median Income (AMI) varies by County and is also dependent on household size. To find the income limits that apply to you, please click here. Household income is based on the current income at the time of application.

What is the maximum award?
The maximum Community Development Block Grant Disaster Recovery award is $100,000. The amount of grant/forgivable loan assistance available is dependent on the income level of each household, with lower-income households eligible for more grant/forgivable loan funding.

How is the award calculated?
Each award is based on a standard rebuilding cost for the home, less insurance received (plus the deductible), Federal Emergency Management Agency (FEMA) assistance for rebuilding, Small Business Administration (SBA) assistance (for loans), or any other grant/forgivable loan or federally subsidized loans received.

The difference between the cost to rebuild and the other funding sources becomes the ‘gap.’

The eligible award amount is the lesser of this gap and maximum award amounts (grant/forgivable loan plus loan). The reason for the ‘gap’ determination is that federal law prohibits households from receiving more assistance than is needed for the intended purpose. The $100,000 cap on the grant/forgivable loans are due to the limited amount of funds available.

What are eligible expenses for housing rehabilitation and reconstruction?
The award will be based on standard construction, rehabilitation, reconstruction, replacement, or new construction, and associated elevation and demolition. Eligible expenses include:

  • Direct costs of repairs or reconstruction of a damaged or destroyed primary residence or affordable housing, including costs to rebuild to an advanced fire or other natural hazard mitigation standard;
  • Architectural, engineering, permitting, or other soft costs/fees associated with repairing or rebuilding a primary residence or affordable housing;
  • Soil sampling and air quality monitoring;
  • Clearance and demolition costs including concrete and other foundation material removal and removal of hazardous materials including asbestos;
  • Private road or bridge repair if necessary to access a primary residence or affordable housing;
  • Costs associated with using a building and site design measures that reduce risk to natural hazards including fire-resistant building materials and landscape design; 
  • Costs to replant climate-ready trees and vegetation;
  • Temporary rental assistance during relocation, rebuilding, or recovery work; and
  • Other recovery costs not covered by other sources will increase resilience to future disasters.

The eligible costs listed above are intended to be site and property specific except for #5 where a private road or bridge off-site may be necessary to access a primary residence. Work to clear the site, design and permit the replacement home or affordable housing, build the home or affordable housing and implement building and site measures to reduce risk to natural hazards and the other costs listed above are eligible.

Can I change the footprint of my home if I receive Community Development Block Grant Disaster Recovery funds? 
For rehabilitation and reconstruction costs, grantees may only charge costs for activities completed substantially within the same footprint of the damaged structure, sidewalk, driveway, parking lot, or other developed area. Exceptions may be made on a case-by-case basis if the size increase is required to meet current code or to provide accessibility accommodations for elderly or disabled residents.

Are permitting fees and use taxes covered under this program?
Yes, the rebuilding cost calculation is inclusive of permitting fees and sales and use taxes, therefore it is a reimbursable expense to the extent that it is included in the calculation of the underinsurance gap. These costs are still subject to the overall program's maximum grant/forgivable loan and loans.

What if I already have a Small Business Administration (SBA) loan?
If the household is eligible for a grant/forgivable loan, they may be able to reduce the amount of their SBA loan. Households above 150% AMI who already have an SBA loan will not be prioritized. If funds are available and a documented gap exists, there may be funds available in later rounds of funding.

What is the Recovery and Electrification Program?
An energy performance upgrade opportunity exists with funding provided by SB22-206 through the Colorado Energy Office (CEO). CEO has provided DOLA with funding to implement a high-efficiency electrification rebate program. The Recovery and Electrification Program is a $10,000 rebate available for high-efficiency electric primary homes or long-term rental units that are built to the 2021 International Energy Conservation Code standards statewide or a stronger standard as applicable. 

Any homeowner whose home was damaged or destroyed in a disaster and is rebuilding or repairing at the same location is eligible for this rebate. The rebate is available upon issuance of a certificate of occupancy by the local jurisdiction or other certification method that confirms the installation of the high-efficiency equipment.

A $10,000 rebate is available for households that have installed and made operational:

  • NEEP certified cold climate heat pump or ground source (geothermal) heat pump;
  • An electric-resistant or induction stove; and
  • A heat pump water heater.

What is the difference between State and Federal funding?
From the household perspective, there is little difference as there is one application for HRP program funds, and if awarded funds, applicants will be funded from the most appropriate source.  One application is required to be considered for both State and Federal funds.

The federal dollars come with additional requirements, particularly in the area of environmental review, building requirements, and income eligibility requirements.  In general, the grant/forgivable loan for moderate and lower-income households will be federally funded, and the traditional loan funds will come from state funds.  Individual exceptions will occur based on the ability to meet all federal requirements and the availability of funds from each source.

What is the background on this Community Development Block Grant Disaster Recovery allocation?
The U.S. Department of Housing and Urban Development (HUD) announced that the State of Colorado will receive $7,415,000 in funding to support long-term recovery and mitigation efforts following the 2021 Marshall Fire and Straight Line Winds event in Boulder County (DR-4634) through Colorado’s Department of Local Affairs (DOLA). Community Development Block grant/forgivable loan – Disaster Recovery (CDBG-DR) funding is designed to address the needs that remain after all other assistance has been exhausted.

What, if any, requirements are there for the use of the Community Development Block Grant Disaster Recovery funds?

  • 70% of housing rehab and reconstruction dollars will be limited to LMI applicants (the other 30% can serve those up to 120% of AMI).
  • 100% of the Wind and Wildfire mitigation program will go toward LMI households.
  • 30% of the Local Government Mitigation Assistance must go to projects that meet LMI area benefit.

This program provides funding for disaster mitigation measures (also known as home hardening) through a forgivable or traditional loan (up to $30,000) or a grant (up to $5,000).

Eligible Applicants

Eligible applicants are owners of a primary residence impacted by the Marshall Fire and Straight Line Wind event. Households can apply for these funds through the State’s Housing Recovery Program.  Local governments and nonprofits can also apply separately as part of a county or municipality-wide initiative to advise and/or provide mitigation and home hardening measures against high winds or wildfires for manufactured homes (or mobile homes) and single family homes. 

Eligible Mitigation Measures

If a rebuild or renovation estimate includes one of the items listed below, the homeowner is eligible to receive up to the total line item amount listed (the actual cost up to the listed amount*) dependent on the measures completed. Funds are paid out to the vendor upon invoice or reimbursed to the applicant for costs incurred.

  • Wind and Wildfire Mitigation Measures
    • Fire-resistant or ember resistant siding - e.g., fiber cement siding: $15,000
    • Fire-resistant windows - triple-pane windows with metal-clad or fiberglass frames: $15,000
    • Fire-resistant windows - dual-pane glass windows with metal-clad or fiberglass frames: $10,000
    • In-home sprinkler systems: $8,000
    • Non-combustible Class A decking attached to a residential structure - for example PVC, composite, concrete, fire retardant treated wood: $3,000
    • Non-combustible fencing materials that are within 5 feet of a residential structure - for example metal, fire-retardant treated materials: $3,000
    • Gutter guards: $1,500
    • Ember and flame-resistant venting: $1,000
  • Additional Manufactured (Mobile) Housing Mitigation Measures
    • Insulation (pipe insulation and cold weather protection): $5,000
    • Tie downs/anchoring: $5,000
    • Fire-resistant skirting: $5,000

For example: Expense of $2,500 on fire-resistant decking is eligible for $2,500 (not $3,000); Expense of  $30,000 on dual-pane tempered glass windows is eligible for $10,000. 

Application Details

There are two methods to apply for Wind and Wildfire Protection Home Program funds depending on the amount of funding that is desired.

  1. If seeking up to $30,000 loan: Complete the Housing Recovery Program application and include eligible mitigation measures and costs. No additional application required. Application Requirements are:
    • Income documentation
    • Insurance documentation
    • Rebuild or renovation funding gap
    • General Contractor/Builder or Vendor proposal listing mitigation items and costs. If the homeowner does not yet have a bid or proposal, the additional mitigation costs can be included as “add-ins” to the software-derived rebuilding estimate.  Mitigation measures will be validated once the bid or invoice becomes available.
  2. If seeking up to $5,000 grant: Complete a short Wind and Wildfire Protection Program application. Only a General Contractor/Builder or Vendor proposal listing mitigation items and costs* is required. If the homeowner does not yet have a bid or proposal, the additional mitigation costs can be included as “add-ins” to the software-derived rebuilding estimate.  Mitigation measures will be validated once the bid or invoice becomes available. Awards in this fund category are limited to a total of $2,000,000.

The Housing Recovery Program's long form (for housing recovery and reconstruction statewide) and short form (for Community Foundation of Boulder County) applications are available and can be found at the Community Economic Defense Project.

Contact

You can connect with a call center representative by calling or texting 303-532-2785 Monday through Friday 8:30 a.m. - 5:00 p.m. MST or emailing: rebuild@cedproject.org.

You can also chat with a call center representative during business hours by using the chat function located at the bottom right corner of the Colorado Disaster Rebuild Programs application page

Eligibility Details


Eligible Applicants 
Boulder County, the Town of Superior, and the City of Louisville, or a joint application from these jurisdictions.
Eligible Use of Funds 
Infrastructure projects that are directly related to needs identified as a result of the declared disaster. The Infrastructure Assistance Program will utilize CDBG-DR funds to address the following needs of eligible applicants: 

  • Provide support to disaster-impacted units of government with payment of their non-federal share requirements (FEMA PA Match and FEMA HMGP Match) so they can access other disaster recovery resources without incurring an unexpected financial burden to address recovery needs;
  • Provide funds to units of government to develop “Stand-Alone” infrastructure projects which can be funded with up to 100% CDBG-DR funding, that are necessary to address unmet disaster recovery needs from impacts tied to the Marshall Fire and Straight Line WInds Event.

Ineligible Use of Funds 
Mitigation Infrastructure Assistance Program projects that do not meet the HUD definition of mitigation,do not serve the Most Impacted (MID), or are for private infrastructure activities are ineligible for funding. Private infrastructure activities include, but are not limited to:
Repair or replacement of private roads, retaining walls and bridges, and
Repair, replacement, or relocation of private utilities.

Application Details

A Notice of Funding Availability and application will be posted on the DOLA Grant Portal in early Summer 2023. For preliminary information or any questions, please contact:

Karlyn Vasan, Resilient Recovery Planner,
720-241-2681     karlyn.vasan@state.co.us 
or
Will Cundiff, CDBG-DR Program Manager 
303-864-8477    will.cundiff@state.co.us

Award Information

The maximum grant award amount to be considered is $267,000. The State reserves the right to make partial awards and encourages applicants to consider including scalability considerations in their applications. Given the limited amount of funding available, commitment of local in-kind or cash matching funds will show applicant commitment to the project and may be factored into the application evaluation process. However, matching funds are not a requirement of the Mitigation Infrastructure Assistance Program. 
 

Eligibility Details

Eligible Applicants: 
Boulder County, the Town of Superior, and the City of Louisville, or a joint application from these jurisdictions.


Eligible Use of Funds:

Planning
Planning activities which consist of all costs of data gathering, studies, analysis, and preparation of plans and the identification of actions that will implement such plans, including, but not limited to: 

  • Development, adoption and implementation of forward-looking
    • Hazard mitigation plans
    • Wildfire risk assessments
    • Land use plans that integrates hazard mitigation
  • Strategies and action programs to implement plans, including the development of codes, ordinances and regulations that address mitigation objectives.
  • Creation of a multi-jurisdictional comprehensive wildfire plan that takes into account land use codes, open space policies, identified future climate risks, and other relevant topics. 
  • Creation or expansion of local resilience or hazard mitigation programs that directly address risks from future disasters. 
  • Other plans and studies such as: Individual project plans including engineering and design costs related to a specific mitigation activity; reasonable costs of general environmental studies or risk assessments and mitigation-oriented planning related to properties with known or suspected natural hazard vulnerability. 
  • Feasibility studies that: Evaluate existing resiliency criteria or practices in place locally; develop recommendations to integrate mitigation practices into budgeting, funding (i.e., annual budgets, risk management, capital improvement programs).

Education 
Eligible education activities include:

  • Develop, plan and implement community programs that:
    • Provide technical assistance, training, and documentation (mixed media) about reducing risk and disaster preparedness
    • Educate residents on fire- and drought-resistant landscaping and provide templates for safe and resilient landscaping
    • Provide individual wildfire (as well as other applicable hazards) home assessments and customized reports that identify the weak links in a home’s defenses.
  • Public Service activities focused on education and outreach campaigns designed to alert communities and beneficiaries to opportunities to further mitigate identified risks through insurance, best practices, and other strategies.  

Capacity Building 
Eligible capacity-building activities will enable the recipient to:

  • Determine its mitigation needs
  • Set long-term goals and short-term objectives for community mitigation and resilience
  • Develop programs and activities to meet the above goals and objectives
  • Evaluate the progress of programs and activities in accomplishing goals and objectives
  • Carry out management, coordination and monitoring of activities necessary for effective planning implementation, but excluding the costs necessary to implement such plans

Application Details

A Notice of Funding Availability and application will be posted on the DOLA Grant Portal in early Summer 2023. For preliminary information or any questions, please contact:

Karlyn Vasan, Resilient Recovery Planner,
720-241-2681     karlyn.vasan@state.co.us 
or
Will Cundiff, CDBG-DR Program Manager 
303-864-8477    will.cundiff@state.co.us

Award Information

The minimum grant award being considered is $25,000. The maximum grant award amount to be considered is $330,000. The State reserves the right to make partial awards and encourages applicants to consider including scalability considerations in their applications. Given the limited amount of funding available, commitment of local in-kind or cash matching funds will show applicant commitment to the project and may be factored into the application evaluation process. However, matching funds are not a requirement of the CDBG-DR Mitigation Planning, Education & Capacity Building Program.
 

What is the difference between State and Federal funding?
From the household perspective, there is little difference as there is one application for HRP program funds, and if awarded funds, applicants will be funded from the most appropriate source.  One application is required to be considered for both State and Federal funds.

The federal dollars come with additional requirements, particularly in the area of environmental review, building requirements, and income eligibility requirements.  In general, the grant/forgivable loan for moderate and lower-income households will be federally funded, and the traditional loan funds will come from state funds.  Individual exceptions will occur based on the ability to meet all federal requirements and the availability of funds from each source.


What is the background on this CDBG-DR allocation?
The U.S. Department of Housing and Urban Development (HUD) announced that the State of Colorado will receive $7,415,000 in funding to support long-term recovery and mitigation efforts following the 2021 Marshall Fire and Straight Line Winds event in Boulder County (DR-4634) through Colorado’s Department of Local Affairs (DOLA). Community Development Block grant/forgivable loan – Disaster Recovery (CDBG-DR) funding is designed to address the needs that remain after all other assistance has been exhausted.

What, if any, requirements are there for the use of the CDBG-DR funds?
70% of housing rehab and reconstruction dollars will be limited to LMI applicants (the other 30% can serve those up to 120% of AMI).

100% of the Wind and Wildfire mitigation program will go toward LMI households.

30% of the Local Government Mitigation Assistance must go to projects that meet LMI area benefit.

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Contact Information

Will Cundiff
Grants Financial Administrator, Department of Local Affairs
will.cundiff@state.co.us
303.864.8477

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