Before, During & After a Disaster
Apply for Assistance, Disaster Declarations
Tools, Teams, Individual & Public Assistance
Grants, How to Help, Private Sector, Tribal
News Releases, Social Media, FEMA App
Offices, Careers, Employee Info, Policies, FAQs
You may qualify for FEMA assistance even if you have insurance. An insurance settlement letter or insurance denial must be sent to FEMA in order to continue processing your case, as well as to prevent duplication of benefits. The full settlement can be:
FEMA - Individuals & Households Program National Processing Service Center P.O. Box 10055 Hyattsville, MD 20782-8055
FEMA cannot duplicate any insurance coverage. If your insurance does not cover all of your disaster related needs, you need to write a letter to FEMA explaining your situation and include a copy of a settlement or denial letter from your insurance company. If you applied for help from FEMA because of your deductible, FEMA does not cover insurance deductibles.
Please remember to include your name, last four digits of your social security number, disaster number, and registration number with any correspondence to FEMA and keep the original for your records.