Rapid urbanization and growing populations have put tremendous pressures on limited global housing stocks. As the frequency of disasters has increased with devastating impacts on this limited stock of housing, the discourse on post-disaster housing recovery has evolved in several ways. Prior to the 1970s, the field was largely understudied, and there was a narrow understanding of how households and communities rebuilt their homes after a catastrophic event and on the effectiveness of housing recovery policy and programs designed to assist them. Early debates on post-disaster housing recovery centered on cultural and technological appropriateness of housing recovery programs. The focus on materials, technology, and climate missed larger socioeconomic and political complexities of housing recovery. Since then, the field has come a long way: current theoretical and policy debates focus on the effect of governance structures, funding practices, the consequences of public and private interventions, and socioeconomic and institutional arrangements that effect housing recovery outcomes. There are a number of critical issues that shape long-term post-disaster housing recovery processes and outcomes, especially in urban contexts. Some of them include the role of the government in post-disaster housing recovery, governance practices that drive recovery processes and outcomes, the challenges of paying for post-disaster housing repair and reconstruction, the disconnect between planning for rebuilding and planning for housing recovery, and the mismatch between existing policy programs and housing needs after a catastrophic event—particularly for affordable housing recovery. Moreover, as housing losses after disasters continue to increase, and as the funding available to rebuild housing stocks shrinks, it has become increasingly important to craft post-disaster housing recovery policy and programs that apply the limited resources in the most efficient and impactful ways. Creating housing recovery programs by employing a needs-based approach instead of one based solely on loss could more effectively focus limited resources on those that might need it the most. Such an approach would be broad based and proportional, as it would address the housing recovery of a wide range of groups based upon their needs, including low-income renters, long-term leaseholders, residents of informal settlements and manufactured homes, as well as those with preexisting resources such as owner-occupant housing.