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Texas Hurricane Harvey (DR-4332-TX)

Incident Period: August 23, 2017 - September 15, 2017
Declaration Date: August 25, 2017

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Returning home after a flood can be the most trying time. There is a lot to be aware of when getting back into your home, to ensure you are mitigating all potentional issues. You can use the resources on this page to help you get back to normal.

Contact your insurance agent to file a claim. Your insurance agent can walk you through your options. Make sure to photograph the flood damage for documentation purposes.

If asked, please complete and submit your SBA loan application. SBA offers low-interest, long-term disaster loans to businesses of all sizes (including landlords), private non-profits (such as churches and charities), homeowners, and renters.

If declined, applicants may be referred back to FEMA, possibly for Other Needs Assistance (ONA), which includes personal property, vehicle repair or replacement, and moving and storage expenses.

FEMA may award certain grants that cover specific needs—such as childcare or medical and dental expenses caused by the disaster—that do not require you to apply for an SBA loan to be eligible.

If you cannot return to your damaged home due to long-standing floodwaters, you may be eligible for one month of expedited rental assistance from FEMA. You may also qualify for Critical Needs Assistance, a one-time payment to a displaced household to cover urgent disaster-related needs—such as food, prescriptions, infant formula, diapers, gas for transportation and medical supplies.

Quick Links

  • Visit our recovery resources page for a list of resources to help you recover from Hurricane Harvey.
  • Visit our Hurricane Harvey Facebook Page for recovery related information and updates.
  • To locate a hotel that participates in FEMA's Transitional Sheltering Assistance (TSA) program, visit our interactive map to find one near you.
  • Visit our Rumor Control page for a list of identified rumors and help us combat misinformation.
  • Fill out a Survivor's Checklist of 9 steps to take you and your family down the road to recovery.
  • If your home or business was damaged or destroyed by flood, you face major decisions about your property. Visit our Mitigation page for information and resources for residents and communities in Texas.
  • Visit our rebuilding resources page for a list of materials and information to support Hurricane Harvey rebuilding efforts.
  • Browse through our library of disaster recovery video resources for people with disabilities, access & functional needs.

For language specific recovery information, visit one of our disaster pages below:

Español | Spanish한국어 | KoreanTiếng Việt | Vietnamese
عربى | ArabicTagalog | TagalogUrdu | Urdu
中文| Chinese  

Resources to Help you Recover

FEMA provides information in alternate formats, including these foreign languages: Spanish, Vietnamese, Chinese, Arabic, Burmese, Cambodian, Hindi, Korean, Tagalog, Thai and Urdu.

Tips for Cleaning Up

Returning Home

Tips for Clean-Up

Below are a few simple guidelines to follow that will make the clean-up and salvage process safer and easier:

  • Always wear protective clothing including long-sleeved shirts, long pants, rubber or plastic gloves and waterproof boots or shoes.
  • Before entering your home, look outside for damaged power lines, gas lines and other exterior damage.
  • Take photos of your damage before you begin to clean up and save repair receipts.
  • Your home may be contaminated with mold, which raises the health risk for those with asthma, allergies and breathing conditions. Refer to the Center for Disease Control for more info on mold: www.cdc.gov/disasters/hurricanes/pdf/flyer-get-rid-of-mold.pdf.
  • Open doors and windows so your house can air out before spending any length of time inside.
  • Turn off main electrical power and water systems and don’t use gas appliances until a professional can ensure they are safe.
  • Check all ceilings and floors for signs of sagging or other potentially dangerous structural damage.
  • Throw out all foods, beverages and medicines exposed to flood waters or mud including canned goods and containers with food or liquid.
  • Also, throw out any items that absorb water and cannot be cleaned or disinfected (mattresses, carpeting, stuffed animals, etc.).
  • Beware of snakes, insects, and other animals that may be on your property or in your home.
  • Remove all drywall and insulation that has been in contact with flood waters.
  • Clean all hard surfaces (flooring, countertops, appliances, sinks, etc.) thoroughly with hot water and soap or detergent.
  • For tips and guidance on disposing of animal carcasses left by Harvey, go to TCEQ's hurricane response page.

8 tips to clean up mold

    Beware of Fraud & Price Gouging

    After a disaster scam artists, identity thieves and other criminals may attempt to prey on vulnerable survivors. The most common post-disaster fraud practices include phony housing inspectors, fraudulent building contractors, bogus pleas for disaster donations and fake offers of state or federal aid.

    Survivors should keep in mind:

    • FEMA does not authorize individual contractors to solicit on its behalf.  Beware of any individual contractors contacting you directly on behalf of FEMA to sign you up for debris removal or remediation services.
    • If you have any concerns about individuals representing themselves as FEMA or would like to report fraud, please contact the National Center for Disaster Fraud at (866) 720-5721 or via email at disaster@leo.gov
    • Federal and state workers will never ask for or accept money and always carry identification badges
    • There is NO FEE required to apply for or to get disaster assistance from FEMA, the U.S. Small Business Administration or the state
    • Scam attempts can be made over the phone, by mail or email, text or in person

    Price Gouging

    Price gouging occurs when a supplier marks up the price of an item more than is justified by his actual costs. Survivors are particularly susceptible because their needs are immediate, and have few alternatives to choose from. If you find price gouging, contact you the Texas State Office of the Attorney General.

    Report Price Gouging

    Dealing with Contractors:

    Survivors should take steps to protect themselves and avoid fraud when hiring contractors to clean property, remove debris or make repairs.

    Simple rules to avoid becoming a victim of fraud:

    • Only use contractors licensed by your state
    • Get a written estimate and get more than one estimate
    • Demand and check references
    • Ask for proof of insurance
      • i.e., liability and Workmen's Compensation
    • Insist on a written contract and refuse to sign a contract with blank spaces
    • Get any guarantees in writing
    • Make final payments only after the work is completed
    • Pay by check.

    The best way to avoid fraud is to arm yourself against it by having a checklist to remind you of what you need to demand when hiring a contractor.

    National Flood Insurance Program (NFIP)

    The following materials comprise a current collection of NFIP resources, fact sheet and infographics developed in response to hurricanes Harvey, Irma, Maria, as well as some other products, available for your use.

    NFIP Resource Library

    Enhanced Claims Process for Hurricanes Harvey and Irma

    Enhanced Claims

    Fact Sheet


    English and Spanish

    September 19, 2017

    Mold Safety Fact Sheet: “NFIP Policyholders Must Follow Policy the Guidelines of their Flood Policy When Cleaning Up Fact Sheet”

    Mold / Clean-Up

    Fact Sheet


    English and Spanish

    September 19, 2017

    IA Eligibility Fact Sheet: “Disaster Survivors with Flood or Homeowners/Renters Insurance are Encouraged to Apply for Disaster Assistance”

    Individual Assistance

    Fact Sheet


    English and Spanish

    September 19, 2017

    What to Do After a Flood

    Claims / Adjuster

    Fact Sheet


    English and Spanish

    September 9, 2017

    Understanding Flood Loss Avoidance - Consumers

    Flood Loss Avoidance

    Fact Sheet


    English and Spanish

    September 9, 2017

    Understanding Flood Loss Avoidance - Agents

    Flood Loss Avoidance

    Fact Sheet


    English and Spanish

    September 9, 2017

    Enhanced Claims News Release

    Enhanced Claims

    News Release



    September 4, 2017

    What to Do After a Flood




    English and Spanish available

    September 3, 2017

    Infographic – How To File Your Flood Insurance Claim




    Multiple languages available

    September 2, 2017

    Increased Cost of Compliance Trifold


    Fact Sheet



    September 1, 2017

    WYO 800 Numbers


    Contact Sheet



    June 5, 2017

    10 Step Flood Claims Process Fact Sheet


    Fact Sheet


    English and Spanish

    January 1, 2016

    Claims Handbook


    Handbook (old version)


    English and Spanish

    August 28, 2014

    National Flood Insurance Program Factsheet


    Fact Sheet




    NFIP Substantial Damage "What Does it Mean?"


    Fact Sheet



    September 14, 2014


    Information about Loss Avoidance. NFIP flood insurance policyholders may be able to get up to $1,000 to help with protective measures taken to avoid flood damage when a flood is imminent.

    Steps to File a Claim

    FEMA’s How do I File My Flood Claim? This page offers more details on each of the steps below, along with more information for Hurricane Harvey survivors who have flood insurance with the National Flood Insurance Program.

    1. STEP ONE: File a Claim
      • Who to call
      • What information to provide when reporting your claim
      • How to register for FEMA assistance online
    2. STEP TWO: Prepare For Your Inspection
      • How to document damage
      • How to remove your flood damaged items
      • Who to contact as you make repairs
    3. STEP THREE: Work with Your Adjuster
      • What you should expect from your adjuster visit
      • What to know, do, and discuss with your adjuster
      • What to do after your inspection
    4. STEP FOUR: Complete A Proof of Loss

    Note for Hurricane Harvey Survivors: Although ordinarily required within 60 days from the date of loss, completing a Proof of Loss (POL) will be waived for a period of one-year. The insurance company will accept the adjuster’s report to pay your claim. You will need a POL if you find additional flood damage or if you disagree with what the insurance company pays you.

    Please keep in mind that even after you receive an initial payment for your flood claim, you have the option to request additional payment. You will need to submit a POL by one year from the date of loss if you request additional payment(s).

    Unsatisfied With Your Claim Payment? If after you receive a denial letter (for all or some of your flood insurance claim) from your insurer you are unsatisfied with the dollar amount being offered for flood-loss repairs or replacements, you may explore other options. These options are only available for policyholders who have received a denial letter.

    Hazard Mitigation

      The Hazard Mitigation Grant Program (HMGP) provides funding for long-term public assistance mitigation measures following major disaster declarations.


        How to Help

          To help people affected by the storm, visit @nvoad’s page for a listed of trusted organizations: https://txvoad.communityos.org/cms/node/104

          • Cash is best. Financial contributions How to help after a disaster. The best way to help is with cash donations to trusted organizations. · Cash is efficient, flexible to use, and requires no packaging or transport. · Trusted organizations will ensure your money goes to help those in need. to recognized disaster relief organizations are the fastest, most flexible, and most effective method of donating. Organizations on the ground know what items and quantities are needed, often buy in bulk with discounts and, if possible, purchase through area businesses which supports economic recovery.
          • Confirm donations needed. Critical needs change rapidly – confirm needed items BEFORE collecting; pack and label carefully; confirm delivery locations; arrange transportation. Unsolicited goods NOT needed burden local organizations’ ability to meet survivors’ confirmed needs, drawing away valuable volunteer labor, transportation, and warehouse space.
          • Connect to volunteer. Trusted organizations operating in the affected area know where volunteers are needed and can ensure appropriate volunteer safety, training, and housing.

          Thank you for your interest in helping the survivors of Hurricane Harvey, there are other ways to help. When disaster strikes, America looks to FEMA to support survivors and first responders in communities all across the country. We are currently seeking talented and hard-working people to help support the response and recovery.

          News Releases, Fact Sheets, Multimedia, Rumor Control, FAQs

          FEMA Harvey Info in Other Languages

          Texas Recovery Updates


            Texas Recovery Update (1/22/18)



            Austin County Recovery Update (1/26/18)



            Aransas County Recovery Update (1/26/18)



            Bastrop County Recovery Update (1/26/18)



            Bee County Recovery Update (1/26/18)



            Brazoria County Recovery Update (1/26/18)



            Caldwell County Recovery Update (1/12/18)



            Calhoun County Recovery Update (1/12/18)



            Chambers County Recovery Update (1/12/18)



            Colorado County Recovery Update (1/12/18)



            DeWitt County Recovery Update (1/12/18)



            Fayette County Recovery Update (1/12/18)



            Fort Bend County Recovery Update (1/12/18)



            Galveston County Recovery Update (1/12/18)



            Goliad County Recovery Update (1/12/18)



            Gonzales County Recovery Update (1/12/18)



            Grimes County Recovery Update (1/12/18)



            Hardin County Recovery Update (1/12/18)



            Harris County Recovery Update (1/12/18)



            Jackson County Recovery Update (1/12/18)



            Jasper County Recovery Update (1/12/18)



            Jefferson Country Recovery Update (1/12/18)



            Karnes County Recovery Update (1/12/18)



            Kleberg County Recovery Update (1/12/18)



            Lavaca County Recovery Update (1/12/18)



            Lee County Recovery Update (1/12/18)



            Liberty County Recovery Update (1/12/18)



            Matagorda County Recovery Update (1/12/18)



            Montgomery County Recovery Update (1/12/18)



            Newton County Recovery Update (1/12/18)



            Nueces County Recovery Update (1/12/18)



            Orange County Recovery Update (1/12/18)



            Polk County Recovery Update (1/12/18)



            Refugio County Recovery Update (1/12/18)



            Sabine County Recovery Update (1/12/18)



            San Jacinto County Recovery Update (1/12/18)



            San Patricio County Recovery Update (1/12/18)



            Tyler County Recovery Update (1/12/18)



            Victoria County Recovery Update (1/12/18)



            Walker County Recovery Update (1/12/18)



            Waller County Recovery Update (1/12/18)



            Wharton County Recovery Update (1/12/18)



            Financial Assistance

            Disaster Declaration Amount
            Individual Assistance Applications Approved 373150
            Total Individual & Households Program Dollars Approved $1,656,894,979.68
            Total Housing Assistance (HA) - Dollars Approved $1,243,250,049.38
            Total Other Needs Assistance (ONA) - Dollars Approved $413,644,930.30

            Preliminary Damage Assessment Report

            PDA Report; FEMA-4332-DR

            Designated Counties (Individual Assistance)

            • Aransas (County)
            • Austin (County)
            • Bastrop (County)
            • Bee (County)
            • Brazoria (County)
            • Caldwell (County)
            • Calhoun (County)
            • Chambers (County)
            • Colorado (County)
            • DeWitt (County)
            • Fayette (County)
            • Fort Bend (County)
            • Galveston (County)
            • Goliad (County)
            • Gonzales (County)
            • Grimes (County)
            • Hardin (County)
            • Harris (County)
            • Jackson (County)
            • Jasper (County)
            • Jefferson (County)
            • Karnes (County)
            • Kleberg (County)
            • Lavaca (County)
            • Lee (County)
            • Liberty (County)
            • Matagorda (County)
            • Montgomery (County)
            • Newton (County)
            • Nueces (County)
            • Orange (County)
            • Polk (County)
            • Refugio (County)
            • Sabine (County)
            • San Jacinto (County)
            • San Patricio (County)
            • Tyler (County)
            • Victoria (County)
            • Walker (County)
            • Waller (County)
            • Wharton (County)

            Contact Us

            For contact information click here

            Last updated Apr 4, 2020

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