Housing Mitigation Fund
State funding to protect your home.
Eligible Counties
To qualify, your primary residence must be located in one of these 12 New Jersey counties:
- Bergen
- Essex
- Gloucester
- Hudson
- Hunterdon
- Mercer
- Middlesex
- Morris
- Passaic
- Somerset
- Union
- Warren
Program Pathways
The Housing Mitigation Fund offers two funding pathways based on your home’s needs.
Pathway 1: Hazard Reduction
Funding: Up to $100,000
Designed to help homeowners reduce the risk of future damage through approved resiliency improvements, including:
- Roof replacements
- Exterior drainage improvements
- Foundation grading
- High-efficiency HVAC replacements
Pathway 2: Reconstruction
Funding: Up to $500,000
Provides funding for the complete reconstruction of a home that has been rendered uninhabitable by a qualifying disaster, helping homeowners rebuild a modern resilient house.
Next Steps
Ready to apply? To be considered for Housing Mitigation Fund (HMF) assistance, the New Jersey Department of Community Affairs (DCA) requires a detailed, line-item estimate from a licensed New Jersey contractor.
As a State-approved General Contractor, Magnico Contracting can provide the required project estimate and complete approved construction work through the HMF program, helping you move confidently through the application process.
HMF Resources
For guidelines and official paperwork, visit the DCA links below:
