Rebuilding & Housing Construction

Please Note: All resource information has been confirmed by Butte-Glenn 2-1-1 Staff. However, resource information is subject to change based on the availability, capacity, and discretion of the resource provider. Please consider checking in with providers ahead of time to ensure availability of services

Rebuild Paradise Foundation- Offers insurance information about home insurance providers offering new policies on the Ridge and in the Camp Fire burn-scar area. Insurance information is updated quarterly, reflecting newly admitted policies from various providers. Insurance information can change daily, so it is still recommended to meet with individual insurance agents to review availability options for coverage on individual policies. Insurance provider information will also vary depending on policies for stick built homes and those for manufactured homes. Policy availability is subject to the determination of the insurance provider and the type of home (manufactured or stick built).  Information can be found online at: www.rebuildparadise.org/resources/

Rebuild Paradise Foundation- Residential Floor Plan Library- Offering free online access to existing residential home floor plans to homeowners who are rebuilding. Homeowners will be able to view the floor plans and it’s details. The residential floor plans have been donated by a design professional (architect, designer, or engineer) who created and owns the plan. Homeowners who choose to use one of the existing residential floor plans will be connected to the design professional who owns the plan. Both the homeowner and design professional will work together to adjust the floor plan to meet the unique needs of the property location such as soil type, topography, and lot size. For homeowners who are rebuilding a residential home in the Camp Fire footprint. There are no fees to access the floor plans. The cost of tailoring the floor plan to meet the needs of the property location will depend on the agreement made by the homeowner and the design professional during their first meeting. There are grants available to assist with the costs, please indicate interest when prompted to be notified of available grants. To view available floor plans visit: https://bit.ly/3bP3fUL. If you are interested in using a specific plan to rebuild, you will be asked to provide your information, the rebuild address, and if you are interested in applying for a grant. Homeowners who submit their information will be contacted by the design professional to schedule a meeting. For more information, please email info@rebuildparadise.org or see the FAQs at https://bit.ly/2SjWtidPlease Note: If you are a developer or real estate investor/ landlord, please reach out directly to the design professional and inquire about the use of these plans on multiple properties.

Rebuild Paradise Foundation- Missing Middle Grant- Offering grant funding for pre-construction expenses related to survey costs, architecture/engineering fees, and water related expenses for those building their home in the Camp Fire footprint. The Missing Middle Grant offers up to $5,000 in total reimbursement funding depending on certain eligibility criteria. 

  • A maximum of $2,000 for survey costs
  • A maximum of $2,000 for architecture/Engineering fees
  • Up to $1,000 for water related expenses

Grant funding is available to households building in the Camp Fire footprint who meet income criteria and additional application requirements. Applicants must have applied for or received their building permit on or after February 18, 2020 to be eligible.  At this time, the grant is not retro-active. Income Criteria is based on the gross income and the number of individuals in the household. See chart below: 

#Of persons in household123456 +
Maximum Income$50,750$58,000$65,250$72,500$78,265$84,095

Application is available online at: www.rebuildparadise.org/grants/. Please email completed application and required items to: info@rebuildparadise.org. For information about submission of application and required items in person, email info@rebuildparadise.org for further details.

Rebuild Paradise- Septic Infrastructure Grant – Beginning October 1, 2020, the Rebuild Paradise Foundation will accept applications for the Septic Infrastructure Grant program. This grant is designed to help reduce pre-construction costs for low income to middle income households who want to rebuild in the Camp Fire footprint. The targeted grant, will be awarded as payment upon qualification for septic-related repairs or replacement as follows;

  • For low income households, up to $3,500 or 50% of septic-related expenses (whichever is greater) with a max grant of $7,500
  • For middle income households, up to $3,500 of septic-related expenses

All grant applications must comply with income guidelines listed in the Septic Infrastructure Grant Application and will require a building permit receipt (submittal or issuance) dated on or after August 1, 2020 OR proof that an earlier permit was issued but that construction has NOT yet begun. *See applications for more details. Major funding for this grant program has come from a partnership with American Red Cross.To download an application visit: https://www.rebuildparadise.org.OR Request via email, info@rebuildparadise.org. For more information: http://bit.ly/SepticGrant. Please note: the grant will be used until funding is expended.

Rebuild Paradise Foundation- Interactive Survey & Topographical Map- Provides an online mapping tool that includes ground contouring (topography), parcel information, and public survey data. Options available to view through the map are detailed below: 

  • Parcel Survey Status Layer: Provides a tool to view properties that have turned in their certificates of Survey with the Town of Paradise, and information about which survey company conducted each parcel survey.
  • Contour Lines: Provides a view of topography with 2ft counter intervals, providing data for architects/engineers/designers to utilize for elevation profiles in construction planning.
  • Special Permit Zones: Provides information about areas within the Town of Paradise that have special survey requirements. Parcels with any portion in a special permit zone may require additional survey before submitting for a building permit, further information can be obtained from the Building Resiliency Center in Paradise. 

Please Note: 

  • Search the map by address or APN
  • Clicking on individual parcels will bring up survey details
  • Utilizing the same surveyor as a neighbor or adjacent property that has already been surveyed may result in reduced surveying costs.
  • Architects, Engineers, Designers, or Builders may be able to utilize the 2ft contour map layer to help develop foundation plans. 

Map available online at: www.rebuildparadise.org/mapping/. Concerns regarding the accuracy of mapping can be addressed by email to: info@rebuildparadise.org

Love Paradise, Paradise Seventh Day Adventist Church, & Maranatha– Camp Fire Shed ProjectOffering an intake form for those interested in newly-constructed sheds for Camp Fire-impacted households rebuilding in the Camp Fire Burn scar.  Eligibility Requirements are as follows: 

  • Participants must have owned a home on November 8th, 2018. 
  • Must have lost home or had significant damage to home due to the Camp Fire. 
  • Must currently live within the burn scar. 
  • Must be able to provide proof of property ownership and/or temporary use permits.  
  • Must currently live in an RV/Trailer/Tent 
  • Must intend to rebuild within the burn scar
  • Must have proof that insurance did not cover shed replacement. 

To access the Camp Fire Shed Project Interest Form, please use the following link: www.loveparadise.net/camp-fire-shed-project Please Note: Completing this interest application does not guarantee participants will receive a shed. Based on the answers provided individuals will be placed in a lottery system. Please fill out the application ONCE. Duplicate applications will only hinder the speed at which they will be processed. Renters will be considered as long as the owner’s permission for a shed on the property is confirmed. Shed recipients will sign a form that no utilities will be allowed in the shed and no one will inhabit the shed. Those currently in the rebuilding phase will be considered as long as insurance has not covered a shed. Individuals unable to upload documentation (proof of property ownership and/or temporary use permits), may bring copies to the Paradise Adventist Church office located at 2500 Floral Avenue, Suite 30 in Chico. Individuals may also bring documentation to Shedquarters at the Paradise Adventist Church located at 5720 Academy Drive, Paradise. If there is any misrepresentation on a submitted application, the application could be denied.

Regional Housing Authority- Housing Rehabilitation Program- Offering housing rehabilitation loans to all eligible residents residing in the unincorporated area of Butte County including assistance for Wall, Ponderosa, Laporte, Cherokee, and Camp fires. Program is open to Wall, Ponderosa, Laporte, Cherokee, and Camp Fire Survivors who are looking to rebuild or those who are residents in the unincorporated area of Butte County that are in need of general housing repairs. Assistance is also available to those residing in mobile or manufactured homes. Must meet eligibility requirements. There are no credit limitations for applicants interested in the deferred payment loan program, but they cannot have liens on their credit. For more information, call Maria Conrique at 530-671-0220, extension 128. Hours: M-Th 6:30am – 5pm. Assistance available in Spanish. Translation services are also available for most languages.

Town of Paradise- Rebuild Advocates–  **COVID-19 Update-The Building Resiliency Center is open by appointment only; no walk-ins, you must call first to schedule an appointment. At appointments, please only bring those necessary for your task. To schedule an appointment, call 530-872-6291 x429 or ext. 430. For building or septic questions, please call 530-872-6291 x411 or email at rebuildquestions@townofparadise.com. ** Offering rebuild planning assistance to Camp Fire survivors, Butte County residents, and anyone interested in rebuilding a home within the Camp Fire burn scar. Rebuild advocates may help survivors and residents overcome challenges (such as with insurance, FEMA appeals, SBA, etc.), by identifying funding sources, creating a budget, finding a desirable floor plan, providing a list of vetted contractors, and providing general planning assistance throughout the entire rebuild process. This program is free and available to all individuals (ages 18 and older, special programs may be available to adults age 65 and older) interested in (re)building a home within the Camp Fire burn scar. This includes renters who are interested in building a home. Individuals may call 530-872-6291 ext. 429 or ext. 430 to schedule an appointment. Appointments are preferred, but walk-ins may be accepted. Each appointment may last up to an hour. Services are now offered at the Building Resiliency Center (otherwise known as the Brick), located at 6295 Skyway. Hours: Open Monday-Friday: 8am-5pm. The Building Resiliency Center (BRC) is located at 6295 Skyway.

Rebuild Advocates Mike Shafer and Jon Haine discuss all they can do to  assist the rebuilding process in the video below: 

Today we are here with Kyla Awalt, Facilities Coordinator at the Building Resiliency Center, speaking with two Rebuild Advocates, Mike Shafer and Jon Haine, about all they can do to help make the rebuild process easier. Come visit them at 6295 Skyway or call and set up an appointment at 530-872-6291 x 411 today!

Posted by Town of Paradise on Wednesday, February 5, 2020

Money Management International- Project Porchlight (AKA HUD Housing Advisors)-Please note: this program does NOT provide any form of Financial Assistance. Project Porchlight is a program providing financial counseling, housing counseling, guidance through insurance claims processes, and financial recovery planning for disaster survivors. Counselors can assist survivors in creating a plan to reach certain recovery goals, including a housing plan. This program is available to survivors of the 2018 Camp Fire. To enroll in this program, Camp Fire Survivors must schedule an appointment by calling 877-833-1746 or submit a request online at the following link: http://bit.ly/2VUfsAl

Town of Paradise Building & Housing Services- Owner-Occupied Housing Rehabilitation/ Reconstruction Program- Providing deferred, low-interest loans to low-income homeowners for health and safety repairs. To quality for the program, you must:

  • Own, live in and be on title to the home to be rehabilitated/reconstructed
  • Meet certain income guidelines (see below)
  • Have owned your home for at least one year for rehabilitation, or lost home in Camp Fire for reconstruction. 
  • Mortgage, property taxes and homeowners insurance must be current.

For the property to qualify for the program, it must be: 

  • Within the Town Limits of Paradise
  • Property value must be under the After-Rehabilitation Limits set by HUD as determined by comparisons or appraisal.

The following activities are eligible under this program:

  • Home reconstruction
  • Improvements required to correct unsafe, unhealthy, unsanitary or substandard conditions.
  • Repairs and improvements for weatherization- only when health and safety or code violation repairs are required.
  • Cost of improvements necessary to ensure accessibility of the property to physically handicapped homeowners or dependents occupying the property, — only when health and safety or code violation repairs are required.

2020 Income Limits:

 1 person2 People3 People4   People5 People6 People7 People8   People
 $59,400$67,900$76,350$84,850$91,650$98,450$105,200$112,000

How to apply:

  1. Return the Program Interest Form which can be accessed using the following link: https://bit.ly/3kxlKRy. When your project reaches the top of the waiting list, you will be sent an application packet. Income, asset and existing mortgage verifications will be made and a credit report will be requested. Projects are taken on a first-come, first-serve basis, except for emergency repairs, which are sometimes given priority.
  2. There is no charge to apply for a loan. All loan costs, such as title insurance, recording fees, termite report, etc. are granted or included in the loan amount. Loans are secured by a deed of trust recorded on the property.
  3. The borrower must maintain fire insurance coverage and stay up-to-date with property tax payments and any required monthly payments.

Please Note: The loan is a 30 year deferred loan. Simple interest accrues at 3% for the first 10 years, which is forgiven after year 20. The loan can be paid off at any time, but must be paid off if the owner sells the house or if they violate the terms of the lease (especially if they rent the house out because it’s for owner-occupied households only, but also it needs to stay current on property taxes and insurance). At the end of the 30 years, the loan is due, but if they still qualify as low-income, then we just re-verify them and defer the loan again. Most people pay it off when they sell or refinance. The max loan amount is $150,000.

Town of Paradise Building & Housing Services- First Time Homebuyer Program

Offering a deferred loan program, meaning that the homeowner makes no monthly payments, for first-time homebuyers or anyone who has not owned a home in the last three years. The term of the loan is 30 years; however the loan can come due is the property is sold, vacated by the borrower, refinanced or transferred. 3% simple interest is accrued and the amount of the loan is limited to the “gap” financing needed to purchase the home. To qualify for the program, you must:

  • Meet income guidelines
  • Have not owned a home for the last three years
  • Qualify for a primary loan
  • Provide 2% down payment (based on price of home — funds can be gifted

For the home to qualify for the program, it must be:

  • Located within the Paradise Town limits
  • A new or previously owned single-family detached house, condominium, townhouse, residential loft structure or manufactured home in a common-interest development or a single-family lot and place on a permanent foundation system.
  • Owner-occupied, newly constructed, vacant for at least 90 days, or being purchased by a renter currently occupying the unit
  • In compliance with State and local codes and ordinances

The following are the steps to be considered for this program: 

  1. Applicant contacts a Certified Lender to prequalify for a primary loan and obtain a Pre-Qualification Letter. The primary loan must be: minimum of 30 years, fixed rate, fully amortized, and from an institutional mortgage lender — not a private lender.
  2. Applicant submits Lender’s Pre-Qualification Letter to Town of Paradise and is given an Interest Form for the program. If Applicant appears to be eligible based on the initial information they provided, the Town provides a Letter of Pre-Qualification. *The Letter of Pre-Qualification does not mean that the applicant is approved for funding.
  3. Once a Letter of Pre-Qualification is provided by the Town, Applicant works with a Certified Realtor to select a home. (Certified Realtors list is available on Town’s website, from Lender or at Town Hall). Applicant enters into a Purchase Contract, contingent upon receiving loan approval from the Town. Realtor obtains signatures on necessary documents, opens escrow, and provides needed documentation.
  4. Once escrow is opened, Applicant applies for Town’s program and is given an Application Packet which is completed and submitted with all requested verification items. Town’s loan amount is “up to” $40,000, filling the gap between the approved amount of 1st loan and purchase price of home.
  5. Realtor schedules all necessary inspections and ensures that repairs are made. The Town requires a “Section One” pest clearance, a lead-based paint inspection for home built before 1978, and a standard appraisal. Town staff will inspect the home to ensure program compliance.
  6. Once all inspections are complete and all loan and program requirements are met, final approval is granted by the Town, and a Letter of Approval is sent to Applicant, Lender and Realtor. Loan documents are prepared and delivered to escrow where they are signed by the Applicant. After review of all documents and escrow conditions are met, Town releases funds to escrow.

Link to list of Certified Lenders: https://bit.ly/2RGUbJd

Makeitparadise.org – Homeowner Checklist- Provides a checklist of necessary steps for those rebuilding their home in Paradise. The checklist is available online and is downloadable for print. Visit : https://makeitparadise.org/rebuild

Butte County – Rebuild Incentive Grant- The rebuild incentive grant can be applied for when property owners submit a building permit with Butte County (unincorporated areas). The grant is on a first-applied, first-granted basis. PLEASE NOTE: The grant application should be automatically included in the County permit process, if the grant application is NOT included within the permit application, applicants are encouraged to ask directly for it. The grant is applied as a refund for permit fees (see limitations below). This process will vary for those submitting building permits within the Town of Paradise. The current status of incentives granted are as follows:

  • North Valley Community Foundation- The grant is a reimbursement for 50 % of eligible building permit fees up to $3,500.  150 applicants being served. $258,981 being applied to building permits.
  • Golden State Finance Authority-The  grant is a reimbursement of 100% of building permit fees for Veterans. 37 applicants being served. $109,834 being applied to building permits. 

Available to property owners submitting a building permit within the unincorporated burn scar areas of Butte County. Application available during building permit submission process. Call for more information. Phone: 530-552-3700 (Phone Hours: M, T, Th, F: 8am-4pm, W:8am-3pm)

USDA – Home Repair Program- Providing loan and grant options to rural homeowners in need of financial assistance for home repair. Eligible applicants must own and live in their home, have a home in a designated rural community (Paradise is eligible), and meet income limits. 

  • Loan Information – Loans can be up to $40,000, 20 year term, and have a 1% interest rate
  • Grant Information – Only available to homeowners age 62+ who cannot repay a loan. Loan can be up to $10,000.
  • Income Requirements – Your income must be below these limits (in Butte County) to be eligible for a loan or grant. 

General Eligibility:

FAMILY/HOUSEHOLD SIZE1-4 Person Family5-8 Person Family
ANNUAL INCOME$33,250$43,900

Grant-Specific Eligibility

Household Size1 Person2- Person3-Person 4-Person 5-Person6-Person7-Person8-Person
Annual Income$14,000$15,950$17,950$19,950$21,550$23,150$24,750$26,350

For more information on the program, please visit: http://bit.ly/2SXU5wu. To request an application for this program, please contact local USDA Representative Nicole Roldan-Leben at 530-693-3162 or by email at nicole.roldan@usda.gov

Valley Contractors Exchange **COVID-19 Update- Regular office hours have resumed, 8am – 5pm, Monday – Friday. In observance of safety protocols related to COVID-19, VCE will not be scheduling any in-person training until further notice.  VCE is working to provide access to online training for safety needs.  If you are in need of a particular class, please let VCE know ** Offers information and resources for contractors, including building code, labor law, and networking resources. Helping contractors navigate the rebuilding regulations process. Contractors can call 530-343-1981, Mon-Friday 8am-5pm. VCE has also put together, in collaboration with the Town of Paradise, a building permit checklist for materials needed before submitting building permits for any rebuild project. Resource information is available online at vceonline.com. The building permit list can be found online here: http://bit.ly/2TVR277

Camp Fire Zone Project- Zone groups have been created to help aid in the rebuilding of the ridge community. Each zone (corresponding with evacuation zones) has an associated Facebook Page for the sharing of common goals, ideas, and information sharing. These groups result in a unified neighborhood voice, communicating through a Zone Captain, to get answers from the public . Individuals meet/share regularly to communicate questions, concerns, and their specific needs within their smaller community. Captains then report back to community leaders and town council with input and requests. Those within a zone that know another/family within their zone, are encouraged to reach out to link all in their zone to strengthen the community voice. http://bit.ly/2LwX5iD

Tree Removal Programs 

Please note that all tree removal programs have specific criteria for eligible trees to be removed based on their location and proximity to public right of ways. Many programs will also require an ROE be signed by participating land/property owners, allowing trees to be removed from their property by program workers.

Tree Removal FAQ – Town of Paradise– Visit https://bit.ly/2GJtu4R for Frequently Asked Questions about tree removal.

Town of Paradise- Tree Advocates- **COVID-19 Update: Individuals must wear a face covering in order to be allowed into Paradise Town Hall.** Offering assistance to the public regarding hazard tree removal by opening a “Tree Window” staffed by Tree Advocates at Paradise Town Hall. Tree Advocates will be able to answer questions about hazard tree removal, accept completed applications and make copies of any documents that are required to be submitted along with completed applications for hazard tree removal.This program is free and available to all individuals rebuilding or building a home in the Camp Fire burn scar. Hours: M-Th 8am-5pm, closed for lunch from 12pm-1pm. Drop in during program hours, call 530-872-6291 ext. 162 or ext. 163 or send an email to trees@townofparadise.com. Individuals who drop in for in-person assistance must wear a face covering in order to be allowed into the building. Located at: Paradise Town Hall, 5555 Skyway, Paradise

New Option Available for Property Owners to Demonstrate Compliance with the Mandatory Hazard Tree Removal ProgramPrivate Tree Program – Arborist’s/Forester’s Certification Form- If a private property owner has decided to participate in the Private Tree Program, another option is NOW available for compliance. The Butte County Board of Supervisors approved permitting residents to demonstrate compliance in the Private Tree Program through the execution of an Arborist’s/Forester’s Certification Form verifying the removal of Hazard Trees from a parcel. Private property owners may use this option if the owner has already had their Hazard Trees removed or is planning to do it themselves. The Arborist or Forester who has done or will do the inspection can certify the Hazard Trees have been removed from the property by signing the Arborist’s/Forester’s Certification Form.  The private property owner can submit the completed form in accordance with the instructions listed at the bottom of the form. Once the form has been received and the credentials of the Arborist or Forester have been verified, the parcel will be recognized to be compliant with the Mandatory Hazard Tree Removal Program.This option is currently only available for private property owners located in the unincorporated area of Butte County. The Town of Paradise will be considering a similar option for private property owners within the Town’s jurisdiction.There are very specific credentials required by the Arborist or Forester to be able to verify and certify the Hazard Trees have been removed. Arborists must be ISA Certified with a Tree Risk Assessment Qualification (TRAQ). The Registered Professional Forester must be qualified pursuant to California Public Resources Code Section 752. Verify if an Arborist currently holds an ISA Credential. Verify if a Forester is registered.

If you have any questions, please contact the Hazard Tree Removal Call Center at 530-552-3030.

Submit Inspection Access Forms:

  • Return via Mail- ATTN: Tree Removal Processing Center, 205 Mira Loma Dr. Ste 50, Oroville CA 95965
  • Return in Person- Building Resiliency Center, 6295 Skyway Road, Paradise. Monday – Friday, 8:00 a.m. to 5:00 p.m. ** COVID-19 Update: The Building Resiliency Center is open by appointment only; no walk-ins, you must call first to schedule an appointment. At appointments, please only bring those necessary for your task. To schedule an appointment, call 530-872-6291 x411**
  • E-mail to: TreeROE@buttecounty.net  (Please note: Tree ROE Forms and Inspection Access Forms must be initialed by hand)
  • Private Tree Program Information Line: 530.552.3030

Letters Sent to Property Owners- Information packets were sent to property owners who may have hazard trees rooted on their property that could impact the public right-of-way. The packets included a letter explaining the requirement to remove hazard trees, a copy of the Tree ROE, and a copy of the Private Program Inspection Access Form.

Town of Paradise + Butte County – Tree Removal on Private Property- Offering information on the options available for tree removal on private property. The Town of Paradise and Butte County require private property owners to remove Hazard Trees on private property that are so fire damaged by the Camp Fire they are a threat to fall into public and eligible private roads traveled by the public.

Option I. Government Hazard Tree Removal Program (Government Program), which is available at no out-of-pocket cost to property owners who complete and sign a Tree Right-of-Entry (ROE) form to allow access to their private property for the removal of Hazard Trees.

The Private Hazard Tree Removal Program (Private Program), which is available to property owners who choose not to participate in the Government Program. The property owner must remove their own Hazard Trees in order to comply with Town and County ordinances.  The property owner can comply with the Private Program by participating in one of the two following options:

  1. Owners may submit a Private Hazard Tree Removal Program Inspection Access Form
  2. Owners may submit a completed Butte County Arborist/Forester Certification FormTown of Paradise Arborist/Forester Certification Form
  • Information about either option is available online or by phone. Necessary forms can be submitted by mail or e-mail. 

Online: Visit buttecountyrecovers.org/ and select the ‘Tree Removal’ icon. Information about both options are listed. (buttecountyrecovers.org/private-property-tree-removal/ )

Phone: The Hazard Tree Removal Call Center is open M-F: 8am-5pm at 530-552-3030 to help property owners needing assistance filling out enrollment forms. Once the property owner has completed the required forms for either program, they can submit them by one of the following methods:

Return via Mail: ATTN: Tree Removal ROE Processing Center, 205 Mira Loma Dr. Ste 50. Oroville CA 95965

Return in Person (Forms are temporarily not being collected in person to allow staff to work remotely and follow guidance related to COVID-19) Building Resiliency Center: 6295 Skyway Road, in Paradise

Tree Removal Operations Center (TROC): 900 Fortress Avenue, Ste 200, in Chico

E-mail to: TreeROE@buttecounty.net  (Please note: Tree ROE Forms and Inspection Access Forms must be initialed by hand)

Private Property Tree Removal Map- To view information on the tree removal programs, including eligible properties and status updates. Access the map here: bit.ly/2tLZJKd. The map is broken down into parcel status, detailing parcels in the following categories:

  • Enrollment in a Hazard Tree Removal Program required
  • Private Program: Stage 1: Inspection Form Received
  • Private Program: Stage 2: Final Sign Off
  • State Program: Stage 1. ROE Received
  • State Program. Stage 2: Assessment
  • State Program. Stage 3: Tree Felling
  • State Program. Stage 4: Final Sign Off

The map also lists the number of parcels enrolled in the State Program and the number enrolled in the Private Program. TREE ROE Information Line: 530-552-3030