Hyper-Target Layer (Live Data)
Current parcel dataset: 1,600 high-probability residential targets in Kent and Wayne counties, both inside confirmed DR-4757 disaster counties. Filters used: residential class, rural community/township, public parcel ownership patterns, and owner-occupied proxy where the county data supports it.
Kent is strongest because we can score owner-occupied proxies directly. Wayne is usable but weaker because the public parcel feed does not expose the owner mailing address cleanly.
Click a county on the map or reference below
✕ DR-4880 — NOT GRANT-ELIGIBLE (PA Only)
Alcona • Alpena • Antrim • Charlevoix • Cheboygan • Crawford • Emmet • Kalkaska • Mackinac • Montmorency • Oscoda • Otsego • Presque Isle
DR-4880 designated PAA-G (Public Assistance only). No Individual Assistance = homeowners cannot access this USDA grant via this declaration. Do not canvass for this program in these counties.
ZONE B — 2023 Storms DR-4757
Eaton • Ingham • Ionia • Kent • Livingston • Macomb • Monroe • Oakland • Wayne
Focus on rural townships within these counties — urban cores ineligible
Hit these homes first:
- Owner-occupied homes (must own AND live there)
- Visible roof damage from the street — missing shingles, tarps, sagging sections, damaged gutters
- Rural setting — outside city limits, small towns, townships, rural routes
- Manufactured/mobile homes qualify too
- Homes where damage appears unrepaired — deferred maintenance, patches
- Older homes on modest lots — likely income-eligible
Skip these:
- Renters (they don't own the home)
- Properties inside city limits of Grand Rapids, Detroit, Lansing, etc.
- Clearly high-income homes (not income-eligible)
- Commercial properties
- ✅ Up to $32,420 — no repayment. Grant, not a loan.
- ✅ For very-low income (under 50% AMI) and low income (under 80% AMI)
- ✅ Home must be in a USDA-eligible rural area
- ✅ Damaged in a presidential disaster declaration since 2022
- ✅ Deadline: April 30, 2026 — applications accepted for processing until then, first-come, first-served
- ✅ Homeowner chooses their own contractor (no USDA lock-in)
- ✅ Prior repair costs may be reimbursed if documented
- ✅ Very-low income may also qualify for Section 504 Loans + Grants
Contractor requirements (ARS already meets these):
- Valid contractor license
- Detailed written estimate (labor, materials, quantities)
- Pass USDA Do Not Pay Portal check
Step back 2-3 feet from door. Badge visible. Smile.
Wait for yes. Then:
Pause. Let it land. Then qualify:
If yes — introduce ARS role:
The close:
If no: "Got it. If you know of any neighbors who had damage, pass this along. Here's our card." [Leave door hanger]
Ask conversationally — not like a checklist.
- 1. "Do you own this home, or are you renting?" — Must be owner-occupied.
- 2. "Did you experience any storm damage, flooding, or other disaster damage in the last couple of years — even if it felt minor?"
- 3. "Did you ever get that repaired, or is it still something you've been dealing with?"
- 4. "Are you within city limits or outside of town?" — Must be rural.
- 5. (Tactfully) "This program is designed for working families and retirees with tighter budgets — not just people in poverty. Are you working-class or retired, or more on a fixed income?"
USDA limits vary by county and household size. These are approximate 2025 thresholds for 1-4 person households in rural Michigan.
| County | Very-Low (50% AMI) | Low Income (80% AMI) |
|---|---|---|
| Alcona | ~$27,050 | ~$43,250 |
| Alpena | ~$27,050 | ~$43,250 |
| Antrim | ~$29,000 | ~$46,350 |
| Charlevoix | ~$30,500 | ~$48,750 |
| Cheboygan | ~$27,050 | ~$43,250 |
| Crawford | ~$27,050 | ~$43,250 |
| Emmet | ~$32,000 | ~$51,200 |
| Kalkaska | ~$27,050 | ~$43,250 |
| Kent | ~$34,150 | ~$54,600 |
| Monroe | ~$38,600 | ~$61,750 |
| Wayne | ~$38,600 | ~$61,750 |
Source: Approximate based on HUD AMI data. Verify at rd.usda.gov/data-reports/income-limits. Household size increases limits significantly — a 4-person household threshold is ~25% higher than 1-person.
- Verify address on USDA eligibility site: eligibility.sc.egov.usda.gov
- Confirm disaster declaration covers their county (DR-4757 only — DR-4880 is PA-only, not IA)
- Estimate household income against USDA limits by county
- Document damage with photos (roof, siding, structure)
- Contact USDA MI State Office: 3001 Coolidge Rd, Suite 200, East Lansing, MI 48823 • 517-324-5190
Homeowner gathers:
- Government-issued ID
- Recorded deed or property tax statement (proof of ownership)
- Last 1-2 years federal tax returns
- Recent pay stubs or benefit award letters (SS, pension)
- List of monthly debts/obligations
- Photos of storm damage
- Prior repair receipts (retroactive reimbursement possible)
ARS provides:
- Detailed written estimate (labor, materials, quantities, specs)
- Contractor license documentation
USDA Forms needed: RD 410-4, RD 3550-1, RD 3550-4, Attachment 12-E Checklist
- Submit complete packet to USDA Rural Development office in person, by mail, or digitally
- Applications are timestamped and processed in ORDER RECEIVED
- Get case number confirmation
- Submit before April 30, 2026 — processing/disbursement continues after if funding remains
- 30-day window for USDA eligibility determination
- If docs missing: 15 days to respond (30 days for contractor estimates)
- Roof damage causing water intrusion = health/safety hazard = priority processing
- Written approval notification received (Handbook Letter 12)
- Pre-construction conference within 30 days of approval
- ARS attends as contractor — scope, timeline, materials confirmed
- USDA records a junior lien on the property (standard)
- ~50% of grant funds released at construction start
- ARS completes roof repairs per approved scope
- USDA final inspection and approval
- Remaining funds disbursed to complete payment
- Grant signed — no repayment required unless home sold within 3 years
USDA Michigan State Office
3001 Coolidge Rd., Suite 200, East Lansing, MI 48823
☎ 517-324-5190
Official program: rd.usda.gov
Eligibility check: eligibility.sc.egov.usda.gov
- ARS ID badge (visible at all times)
- Business cards
- Grant overview door hangers or flyers
- Phone/tablet with USDA eligibility site bookmarked
- Lead intake form (this app or paper backup)
- Photo-capable phone for exterior damage documentation
- Team lead's phone number saved
🏠 USDA Michigan State Office
3001 Coolidge Rd., Suite 200
East Lansing, MI 48823
☎ 517-324-5190
▶ Arrow Roofing Services
☎ (734) 212-0890
🔗 arrowroofingservicesllc.com