The purpose of this model is to explain the post-disaster recovery of households residing in their own single-family homes and to predict households’ recovery decisions from drivers of recovery. Herein, a household’s recovery decision is repair/reconstruction of its damaged house to the pre-disaster condition, waiting without repair/reconstruction, or selling the house (and relocating). Recovery drivers include financial conditions and functionality of the community that is most important to a household. Financial conditions are evaluated by two categories of variables: costs and resources. Costs include repair/reconstruction costs and rent of another property when the primary house is uninhabitable. Resources comprise the money required to cover the costs of repair/reconstruction and to pay the rent (if required). The repair/reconstruction resources include settlement from the National Flood Insurance (NFI), Housing Assistance provided by the Federal Emergency Management Agency (FEMA-HA), disaster loan offered by the Small Business Administration (SBA loan), a share of household liquid assets, and Community Development Block Grant Disaster Recovery (CDBG-DR) fund provided by the Department of Housing and Urban Development (HUD). Further, household income determines the amount of rent that it can afford. Community conditions are assessed for each household based on the restoration of specific anchors. ASNA indexes (Nejat, Moradi, & Ghosh 2019) are used to identify the category of community anchors that is important to a recovery decision of each household. Accordingly, households are indexed into three classes for each of which recovery of infrastructure, neighbors, or community assets matters most. Further, among similar anchors, those anchors are important to a household that are located in its perceived neighborhood area (Moradi, Nejat, Hu, & Ghosh 2020).