The COVID-19 pandemic disproportionally afflicts people of color and illustrates in stark relief the historical and systemic racism and discrimination that puts them at risk. While Black Americans make up 13% of the U.S. population, they represent 40% of people experiencing homelessness – and are at grave risk of COVID-19, sleeping in congregate settings, suffering from underlying medical conditions, and unable to isolate, quarantine, and recover. People of color are also more likely to experience poverty. While approximately 10% of white people live in poverty in the U.S., the rates are 25% for Native Americans, 21% for Black people, and 18% for Latinos. These extremely low-income people invariably experience housing poverty, spending more than 50% of their incomes on housing with insufficient resources for other basic necessities like food and medicines. They are seniors, people with disabilities, and low-wage workers disproportionately losing jobs and wages during the pandemic and one missed rent payment from eviction and possible homelessness.

Our national response to COVID-19 must, as a moral imperative and a healthcare necessity, address systemic inequities, discrimination, and racism. Never has it been more important to identify policies and systems that will steer our national response to an equitable one.

We’ve compiled Frequently Asked Questions, in English and Español, on how we can achieve racial equity during the COVID-19 pandemic.

Emerging data indicate that the coronavirus is infecting and killing people of color at a disproportionately high rate. While COVID-19 can infect anyone, historically marginalized populations are more likely to experience acute and structural risk factors that increase the likelihood of contracting and experiencing severe cases of the disease.

Due to structural racism and discrimination, people of color are more likely to experience adverse social determinants of health, at-risk comorbidities, and the inability to social distance. Specifically, Black Americans, Latinos, and Native Americans are more likely to suffer from long-term health conditions and have limited access to health care. Tribal governments face significant barriers to protecting their citizens, including inadequate federal funding and resources. Moreover, people of color experience higher rates of poverty and are more likely to work in service industries, making it more difficult to practice social distancing and abide by stay-at-home ordinances. People of color are overrepresented in jails and prisons, which have been identified as potential hotspots for the rapid spread of COVID-19 due to overcrowding, lack of sanitation products, and limited testing and quality health care.

This dangerous combination of risk factors is contributing to higher rates of infection and death in Black, Native, and Latino communities. Moreover, the rise in discrimination, racist rhetoric, and hate crimes against the Asian American community in response to the coronavirus is deeply troubling. Acts of discrimination, fueled by misinformation and xenophobia, are impacting Asian Americans’ economic stability and access to social services.

People of color will also experience greater burdens and social upheaval in the aftermath of the acute crisis. In addition to facing higher mortality rates in their communities, the economic impact of COVID-19 will likely increase rates of job insecurity, food insecurity, and housing instability and homelessness.

Systemic racial inequities in housing contribute to an uneven impact of coronavirus on people of color. People of color are significantly more likely than white people to experience evictions and homelessness, the result of centuries of institutional racism and economic inequity. People experiencing homelessness are at a much higher risk of contracting COVID-19 and experiencing severe complications. Housing instability and homelessness are two of the most significant barriers to flattening the curve and ending the COVID-19 pandemic. It has never been more clear that housing is healthcare.

Historic and ongoing government-sponsored residential segregation contributes to racial disparities in health, education, employment, and socioeconomic status. Racial residential segregation continues to be a primary contributor to racial health disparities. Black Americans, Latinos, and Native Americans face significant inequities in health care access, largely due to structural racism and chronic underfunding of services for these communities. These racist policies lead to differences in neighborhood quality, with Black Americans and Latinos more likely to live in “food deserts” – areas with limited access to affordable, healthy food. Native Americans in tribal areas and rural communities also face high levels of food insecurity and limited access to healthy food options.

People of color are also more likely to live in areas characterized by poor housing quality, high housing density, and elevated exposure to harmful pollutants and allergens. American Indian and Alaska Native households face some of the worst housing conditions in the United States. Overcrowding, structural deficiencies, and plumbing, electrical, and heating problems place Native communities at extreme risk during the pandemic.

COVID-19 is exacerbating preexisting racial inequities entrenched in our country’s healthcare, housing, and economic systems. The impact of the coronavirus will not be shared equally across the country; rather, communities of color are experiencing the burden and impact of the coronavirus disproportionately.

The “Coronavirus Aid, Relief, and Economic Security Act” (CARES Act) provided flexible funding to state, local, tribal, and territorial governments to address housing instability and homelessness through existing and new programs. Historically marginalized groups, however, may be unable to access many of the federal resources provided under the CARES Act. For example, Economic Impact Payments and unemployment insurance are unavailable to undocumented immigrants, and people experiencing homelessness – who are disproportionately people of color – will likely encounter enormous challenges in accessing Economic Impact Payments. Additionally, programs set up to help small businesses stay afloat during the coronavirus outbreak, like the Paycheck Protection Program, have effectively locked out as many as 95% of Black-owned businesses, 91% of Latino-owned businesses, 91% of Native Hawaiian or Pacific Islander-owned businesses, and 75% of Asian-owned businesses. Moreover, many people exiting the criminal justice system may be unable to access regular HUD assistance and face significant barriers to obtaining affordable, accessible housing.

NLIHC, the National League of Cities, National Alliance to End Homelessness, and Mayors & CEOs for U.S. Housing Investments issued guidance to elected officials on how they can use these federal funds to address racial inequity. The flexibility of Emergency Solution Grants (ESG), Community Development Block Grants (CDBG), and Coronavirus Relief Fund resources can be used to address the urgent housing needs of marginalized communities, including people experiencing homelessness, people with criminal records, undocumented immigrants, and other individuals.

Congress must take every step to prevent housing instability and homelessness as a result of the coronavirus pandemic and should center racial equity when making the investments and systemic reforms needed to address the short- and long-term impacts of the coronavirus pandemic.

COVID-19 will have devasting impacts on communities of color. To address urgent and immediate needs, NLIHC urges Congress to include at least $11.5 billion in ESG funds to respond to coronavirus among people experiencing homelessness. Congress should enact a national, uniform moratorium on evictions and foreclosures to ensure that low-income renters will not lose their homes during the coronavirus. While a national moratorium would be a vital step, a moratorium, on its own, is not enough. Congress must also provide $100 billion in emergency rental assistance to help renters avoid eviction after the moratoria are lifted and back-rent is owed. These measures will help state and local governments meet the urgent housing needs of lowest-income renters, who are more likely to be people of color. For more information, read NLIHC’s COVID-19 policy recommendations.

In addition to addressing immediate housing needs caused by the pandemic, Congress should address our nation’s pervasive structural and racial inequities and reform federal disaster planning and response efforts to center on those individuals and communities with the greatest needs, including people of color, immigrants, people with limited English proficiency, and other individuals. By increasing investments in proven solutions like the national Housing Trust Fund, housing vouchers, public housing repair funds, and other resources, Congress can address the underlying causes of homelessness: the severe shortage of affordable, accessible, and available rental homes for the lowest-income households, who, as noted above, are more likely to be people of color. We must also reform existing programs by applying a racial equity lens to ensure that affordable housing investments and the federal disaster recovery framework are equitable and meet the needs of marginalized populations. Access to federal housing, healthcare, food assistance, and other benefits should be provided to everyone in need, regardless of immigration status, disability, or involvement with the criminal justice system.

Additional FAQs & other COVID-19 housing & homelessness resources are available at: