Reports - Mississippi Renewal

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56 | AFFORDABLE HOUSINGbe helpful. The state should coordinatefunding and oversee the independentassessment of housing needs, whichshould in turn be coordinated with allother data collection and analysis efforts.This should be initiated as soon as possibleand could be completed within sixmonths. Funding may be available froma combination of private and publicsources, including philanthropic organizationsas well as federal sources suchas HUD’s Partnership for AdvancingTechnologies in Housing, the Buildingand Fire Research Program in the NationalInstitute of Standards and Technology,and the Department of Energy’sBuilding American Program. Cost likelywould be around $500,000.Recommendation 3: Barriers Assessment.This study would analyze, at adetailed level, existing code and zoningprovisions within individual countiesand cities in the affected region in orderto identify potential barriers to thecreation of a sufficient supply of safe, efficient,and affordable housing. Specificfindings could indicate a need for legislativeaction at the state level, such as, forexample, requiring all counties and municipalitiesto embed certain provisionswithin their zoning ordinances. Stategovernment should coordinate fundingand oversee the independent assessmentof housing needs, which then shouldbe coordinated with all other data collectionand analysis efforts. Private andpublic sources, including philanthropicorganizations and federal sources suchas HUD’s Partnership for AdvancingTechnologies in Housing shouldfund this assessment at a likely cost of$500,000.Pilot EffortsMany participants in the Commission’sdiscussions on housing urged thatQ:How will the poor anduninsured afford to returnto their homes? Who willhelp people withoutinsurance bridge theaffordability gap—especially when mostsources of capital are riskaverse, and governmentaid programs are slow tomove? How will renterswho have lost all of theirpossessions rebuild theirlives?In order to create a moreequitable region, rebuildingstrategies must answerthese questions andprovide people with thetools necessary to acquireand preserve assets.progress be made swiftly. One way toachieve near-term success with new andinnovative ideas is to create pilot projectsto test ideas quickly, create familiaritywith different processes, and putplans to work more rapidly. Currently,the Enterprise Foundation is workingwith Enterprise Corporation of theDelta and NeighborWorks America tolaunch several pilot projects using privatefunding sources. Accordingly, theGovernor’s Commission recommends aseries of possible pilot efforts.Recommendation 4: Mixed-Use onHUD Site Pilot. A former HUD housingsite that was destroyed during thehurricane should be developed into anew high-density, mixed-use affordablehousing project. Rather than rebuildingonly HUD housing on thissite, public and private partners wouldjoin together to design and implementa mixed-use neighborhood. The pilotproject would combine best practicesfrom recent HUD projects along withrelevant Smart Growth or new urbanismelements. The HUD Hope VI programmay be an ideal candidate for sucha program. According to the MississippiHUD multi-family housing office, over3,000 subsidized rental units were damagedby Katrina. These rental units providedhousing for the poorest familieson the Coast, including elderly, disabled,and other renters on very small fixedincomes.Most of these units are ownedand managed by local housing authorities.The Waveland Housing Authority,for example, owned and managed 75units that were destroyed. These damagedunits must be rebuilt with a combinationof grant funds and loans madeto the local housing authority. To developlong-term solutions that will providethe local housing authority withsufficient funds to make improvements
THE GOVERNOR’S COMMISSION REPORT | 57and repairs to the properties and providehigh quality management of the properties,debt service of loans must be keptat minimal levels. A portion of CommunityDevelopment Block Grants(CDBG) or other grant funds should beset aside for use in rebuilding the localhousing authority structures.This pilot project would involve coordinationbetween HUD, the stategovernment, a local housing authority,one or more private developers, andone or more lending institutions. Thestate could work with HUD and localcommunities to identify a suitable projectlocation, and the Mississippi HomeCorporation could take a lead role inthe project. A site and private partnershould be identified as quickly as possibleand construction begun within sixmonths. Funding would be providedboth by HUD, for the affordable housingcomponent, and a private developerfor the other housing and other components,such as retail. HUD may providetechnical and analytical assistance.Overall project cost would depend onthe size and location selected.Recommendation 5: Financial IncentivesPilot. The Commission recommendsdevelopment of a small-scaleprogram to pilot some of the proposedfinancial mechanisms that provide incentivesto go beyond basic buildingcodes. The first step would be to developbuilding guidelines for safe, energyefficient, water-efficient, and durablehomes, and then to create a certificateprogram with three or four “quality ofconstruction” levels that exceed minimumcodes. The next step would be towork with communities and institutionsto create one or more small-scalepilot efforts – these might be located inspecially designated “innovative financezones.” It may be possible to identifyKatrina wrought widespreadand unprecedented destructionin Mississippiand Louisiana, havinga particularly devastatingimpact on low-wealthresidents who lacked aneconomic safety net. Atthe same time, the stormpresented a unique opportunityto correct decadesof inequitable development.Affordable housingand home ownership arecornerstones upon whichthe region will rebuild forthe long term. Investmentsin housing strategies thattarget low-wealth residentswill help South Mississippiemerge as a stronger,more equitable region.a neighborhood in which to developa pilot program combining lower insurancerates based on higher buildingsafety codes as well as lower mortgagerates based on location efficiency andresource efficiency.To implement this recommendation,the state government should askfor assistance from the Department ofEnergy’s (DOE) Building America Programand EPA’s Energy Star BuildingProgram to identify and fund an organizationto lead this pilot program. Thisorganization should develop the certificationprogram and work with a communityto begin the pilot program.A partner should be identified withinthree months and a program in placewithin six to nine months. Initial effortto set up the program would likely cost$250,000. In addition to EPA and theDOE, large insurance companies and/or Fannie Mae may also provide assistancewith this pilot.Recommendation 6: Modular-PermanentHousing Pilot on a Site CurrentlyBeing Used for Transitional Housing.This pilot involves the development ofmodular, permanent housing on a sitethat is currently being used for temporaryhousing. It serves two purposes, thefirst of which is to identify transitionalhousing sites that may be appropriatefor permanent affordable housing.Given that money is being spent tolay infrastructure in these transitionalsites, it seems wasteful to just remove itwhen the transitional housing is no longerneeded. Along these lines, the pilotwould be used to help identify appropriatecriteria for identifying candidatesites and develop processes for makingthe transition from temporary to permanenthousing, with set-asides for affordablehousing. The other purpose ofthe pilot would be to show how modu-
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Governor’s Commissionon Recovery,
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THE GOVERNOR’S COMMISSION REPORT
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Page 19: INFRASTRUCTUREThe four subcommittee
Page 22 and 23: 12 | LAND USE■ City land use plan
Page 24 and 25: 14 | LAND USEgional level, coastal
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Page 48 and 49: 38 | PUBLIC SERVICEStic tank use; a
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HUMANSERVICESThe reports that follo
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SPECIALREPORTSWhere do we go from h
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