By Dwight Adams for Mirror Indy.
Broadcast version by Joe Ulery for Indiana News Service reporting for the Mirror Indy-Free Press Indiana-Public News Service Collaboration.

People can almost always use an extra hand when winter arrives.

What do people need the most? "Coats. We can never have enough coats, hats, boots," said Maumi Van Kirk, director of retail sales for the Julian Center, including its Thrifty Threads store. "We always run out of coats. That's what people are looking for - warm gear."

Along with free clothing, local organizations can help with food, rent and utility payment assistance, bus passes and car repairs.

The township you live in can also be a good resource for assistance, whether you need food, medicine, clothing or help paying your bills.

Help with rent

Renters living in Marion County are not eligible for the Indiana Emergency Rental Assistance program.

Instead they can call 211 to learn about Indianapolis' Office of Public Health and Safety, which created programs in partnership with local legal aid providers to help residents facing eviction. That includes the Tenant Legal Assistance Project (TLAP) and the Tenant Advocacy Project (TAP).

Renters who have received an eviction notice or believe their landlord is getting ready to file one can call the Tenant Information Hotline at 317-327-2228. Also, Indiana Legal Help has information about legal assistance for housing and other issues.

The Housing Choice Voucher program, administered by the Indianapolis Housing Agency, also can provide rental assistance for qualified low-income families. Under the HCV program, also known as the Section 8 program, participants pay no more than 30 percent of their monthly adjusted income toward rent and utilities. But the agency is under a federal takeover right now and isn't running the voucher program effectively, as a Mirror Indy investigation has shown.

Help with utility bills

Energy Assistance Program

The federally funded program provides a one-time annual benefit through the Low-Income Home Energy Assistance Program that is paid to your local utility vendor to cover heating and electric costs.

Indiana households that earn 60 percent of the state's median income or less may qualify for this benefit. You can apply before April 14, 2025, on the Indiana Housing & Community Development Authority website, by mail, in person, or by calling 211.

Know your rights

According to Indiana law, a regulated utility cannot turn off residential utility service from Dec. 1 through March 15 to any customer who has applied for and is eligible for the Energy Assistance Program. This includes utilities that provide electric or gas energy.

Winter Assistance Fund

Families and individuals in Marion County who don't qualify for the EAP can get help paying for heating bills through the United Way of Central Indiana from Jan. 1, 2025, through May 31, 2025.

Utility company assistance

Citizens Energy Group has a section called "Trouble Paying Your Bill" on its website, which includes information on the EAP program, as well as discounts for natural gas and wastewater bills. Citizens' Warm Heart Warm Home Foundation offers grants to help customers sustain utility service and catch up on past-due bills. You can apply by calling 317-924-3311.

AES' Indiana's Power of Change program can also help provide electric bill assistance.

Food pantries

Along with well-known food pantries offered through Gleaners and the St. Vincent de Paul Society, local churches, schools and other community organizations (like Mary Rigg on the west side and Pathways on the east side) also run food pantries, where Indianapolis residents can get free food this winter.

Food pantries also have opened on local college campuses including Ivy Tech Community College and Indiana University Indianapolis.

Free winter clothing and household items

The Archdiocese of Indianapolis Catholic Charities has a free clothing room at its offices in the Xavier Building, 1435 N.Illinois St. You can 317-236-1512 to plan a visit.

B.A.B.E. (Beds and Britches, Etc.): The B.A.B.E. program, run by the Marion County Public Health Department, provides new and gently used clothing, as well as maternity wear, baby supplies, bedding and blankets, baby toys and personal hygiene items for pregnant people and children up to age 5. Call 317-221-3050 to learn more.

Fletcher Place Community Center operates a free thrift store for people who are homeless and low-income families at the Elaine Cates Center, 924 S. Shelby St. Call 317-636-3466, ext. 403

Julian Center Thrifty Threads store, 1501 W. 86th St., offers free, gently used clothing, furniture and household goods to people in need. Call 317-802-9612 to learn more.

Lambswear Clothing Closet provides childhood necessities to families throughout Central Indiana, including free children's clothing from preemie size to 14/16 youth.

Operation School Bell: The Assistance League of Indianapolis offers free new school clothing, winter coats, shoes and school supplies to eligible students in kindergarten through fifth grade. Call 317-872-1010 to learn more.

Servant's Heart of Indy helps people living in Beech Grove and adjacent southeast areas of Marion County with year-round support, including its food pantry and warehouse of free clothing, furniture, toiletry items and holiday gifts. Call 317-788-9433.

Society of St. Vincent de Paul's Mission 27 Resale Shop sells clothing, used furniture, small appliances, and household items at a discounted price. Proceeds support its

Bus passes, car repairs and transportation

The Archdiocese of Indianapolis offers short-term assistance with transportation through bus tickets and vouchers for gas. Visit their website or call 317-236-1512.

Community Action of Greater Indianapolis can provide assistance with services such as car repairs and rental assistance. Visit their office at 3266 N. Meridian St. or call 317-396-1800.

Irvington Community Advocacy Network can provide information and help regarding free transportation services within limited boundaries. Call 317-322-9645.

The St. Vincent de Paul Society can offer assistance with paying for car repairs. Call the help line at 317-687-0169.

IndyGo offers half-fare discounts for bus service to qualified individuals, including youths 18 and younger, persons 65 and older, and persons with disabilities. IndyGo also offers a taxi voucher service to its IndyGo Access Riders to arrange travel for any time of day or day of the week. Call 317-635-3344.

Nationwide charitable organizations may also be able to provide help with repairing or buying a low-cost car, including Free Charity Cars and the Causes Charitable Organization.


Dwight Adams wrote this article for Mirror Indy.


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Virginia has a housing shortage of more than 200,000 units, and one legislative effort backed by a coalition of faith-based groups is trying to fill that gap. A bill introduced in the General Assembly would allow local governments to create a streamlined process for faith groups and other property-tax-exempt nonprofits to build affordable housing.

Sheila Herlihy Hennessee, director of faith organizing for the Virginia Interfaith Center for Public Policy, said congregations run into many different roadblocks when trying to build housing on their land.

"Congregations don't do this every day. A developer might do three or four big housing projects per year. A faith community might do one in a century. This is not their bread and butter, so there's a big learning curve with figuring out how to make that happen," she said.

She added that other issues include resistance from neighbors to increasing population density - and zoning laws across the state that are mostly geared toward single-family housing, and said working around those zoning laws can be arduous and time consuming.

A report by Housing-Forward Virginia and the Interfaith Center finds faith-based organizations own a substantial amount of land - more than 74,000 - in the Commonwealth. That's double the size of Richmond.

Herlihy Hennessee, who also co-authored the report, said the bill would provide the same, streamlined process now used to build affordable housing to other nonprofits.

"So, this very explicitly says, 'Yes, localities, you do have the authority to make the process easier for faith communities. Yes, localities, you can cut down on the NIMBY-ism. Yes, you can make this cost less money and move faster," she explained.

The legislation would also create a pilot program, where faith communities can apply for funds to cover pre-development costs, such as feasibility studies, site plans, architects and more.


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People are increasingly moving into the wildland-urban interface areas, where human development meets wild vegetation, like forests, according to a University of Nevada-Las Vegas expert.

Such landscapes are also notorious for wildfires.

Nicholas Irwin, associate professor of economics at the university, said it is the fastest-growing land use type in the West, which has helped to almost double the number of housing units since 1990.

How do the devastating wildfires in Los Angeles County fit into the picture? Irwin said while wildfires temporarily reduce development, they do not stop it entirely.

"As people start to rebuild, it is going to sort of recede into the background," Irwin pointed out. "The wildfire risk, the risk of building in these areas; people are going to be less concerned about it, which is partly founded in science because after the fires are extinguished and everything, the Pacific Palisades area will not re-catch fire for some time because the fuel load is no longer there."

Irwin and fellow researchers have found if fire hits an area, there is a lull in development for about five years. He argued while insurance companies do a good job thinking about the risks associated with some natural disasters, wildfires are not among them. He stated as a whole, the country is in an "infancy stage" when it comes to modeling wildfire risk, which he wants to see change.

Irwin pointed out in any given year, about 70% to 80% of new residents of Southern Nevada are coming from Southern California. He contended the latest wildfires may lead even more people to relocate and consider setting roots somewhere else.

"Las Vegas is really close and I can see a lot of folks moving here, at least temporarily, which is going to put a lot of pressure on our rental market," Irwin projected. "I could even see some folks moving here for a few years as they start the rebuilding process. We're not just talking about people losing their houses, we're talking about people losing their jobs potentially, their kids losing their schools, and I could see them wanting just sort of to reset."

Irwin emphasized he and others will continue to track the data. He added research shows the median individual who moves from out of state is about 15% wealthier than an in-state Nevada resident, which means they are better able to compete in the housing market.

As urban homelessness and drug use grab the spotlight, rural areas such as Branson are left in the shadows, with critical needs going unmet. But local community organizations are stepping up to provide much-needed support.

Branson has a growing crisis where substance use and homelessness intersect, with about 1,500 people, mostly those who are working but still considered low-income, living in extended-stay motels. An estimated 20% of the population is homeless, and motel living heightens the risk of substance-use and mental-health issues.

Marietta Hagan, project coordinator, Population Health Department with Cox Health, said there are the challenges to addressing these issues in rural areas.

"Lack of transportation in rural areas, lack of that financial and other resources. Branson is considered a rural area, even though we get 9 million visitors a year - we only have a population of 12,000 and the services to support those," she said.

Also, rural areas often have fewer homeless shelters, making it harder for people to find emergency housing or long-term support. Hagan said the good news is, people who have recovered from drug use and homelessness are working together to help those still struggling.

Hagan said it's almost like a multiplying factor - and once a person starts to struggle with issues stemming from poverty, especially in rural areas, it increases their risk of struggling with other issues such as drug use and homelessness - and this leads to stigmas and a lack of support.

"If you live in a small town that has 300 people, and you are labeled as a drug user, you're often ostracized from your community and you're not given that social support and that community that you can turn to maybe when you're struggling with something," she continued.

Between 2022 and 2023, Missouri saw a 12% increase in homelessness and a 24% rise in unsheltered homelessness.


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