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Tennessee Severe Storms, Tornadoes, Straight-line Winds, And Flooding (DR-4541)

Incident Period: April 12, 2020 - April 13, 2020
Major Disaster Declaration declared on April 24, 2020

Individual Assistance Applications
Approved: 377

Total Individual & Households Program
Dollars Approved: $1,688,640.84

Total Public Assistance Grants
Dollars Obligated: $679,667.85

Designated Counties (Individual Assistance):

Bradley, Hamilton

Additonal Resources

For local resources, visit TEMA
Visit for resources to help prepare for the upcoming hurricane season.


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Stay In Touch

The deadline for individuals and households to apply for FEMA disaster assistance has passed, but recovery continues. Survivors in Bradley and Hamilton counties who were unable to register before the deadline and who can provide justification for late registration may contact FEMA and request consideration for disaster assistance.

Survivors who registered with FEMA can check the status of their applications, ask questions and get information in several ways:

  • By visiting
  • Downloading the FEMA App for smartphones
  • Calling 800-621-3362 (800-462-7585 TTY). Multilingual operators are available. The toll-free numbers are open every day from 7 a.m. to 10 p.m. EDT.

Remote Inspections

Due to the COVID-19 nationwide emergency and the need to protect the safety and health of all Americans; FEMA will conduct remote home inspections for disaster survivors until further notice.

What to Expect After Applying for FEMA Assistance

  • FEMA is fully committed to a whole of America response to fight the COVID-19 pandemic and protect the health and safety of the American people. Social distancing and eliminating unnecessary contact are key to help slow the virus’ spread and keep our most high-risk populations safe.
  • A remote inspection will be the primary form of inspection for applicants who are still pending an inspection.

Remote Inspection Process

  • Disaster survivors who applied and reported that they may not or cannot live at home due to damage will be contacted by FEMA to schedule a remote inspection.
  • FEMA inspectors will call applicants by phone. Applicants will answer questions about the type and extent of damage sustained.
  • Based on responses from the applicant and existing eligibility criteria, awards will be generated for Rental Assistance, Home Repair Assistance, Replacement Assistance, Other Needs Assistance (ONA) for Personal Property Assistance, and Assistance for Miscellaneous Items based on existing line items.
  • This interim policy will help protect the health and safety of the American people while also ensuring that eligible disaster survivors receive assistance from FEMA.

U.S. Small Business Administration

Business owners, private nonprofit organizations, homeowners and renters may be eligible for low- interest disaster loans from the U.S. Small Business Administration (SBA) to help recover from losses not covered by insurance, grants or other services.

Apply for a low-interest disaster loan online at

For more information on SBA disaster assistance:

After you apply for disaster assistance from FEMA, you may be referred to SBA. If you receive an SBA disaster loan application, fill it out and return it. If your application is approved, you are not obligated to accept the loan. But failure to return the application may disqualify you from other possible FEMA assistance, such as disaster-related car repairs, clothing, household items and other expenses.

Beware of Fraud and Scams

When a disaster strikes, unscrupulous people may try to take advantage of survivors by posing as official disaster aid workers or even as relatives trying to help survivors complete their applications.

Survivors should keep in mind:

  • Federal and state workers never ask for or accept money
  • 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

As home inspections have become remote, this may attract attention from scam artists as well. Remember these two important points:

  • FEMA Housing Inspectors will never ask for your nine-digit registration number. They already have it in their records.
  • FEMA Housing Inspectors will never require you to provide your banking or other personal information such as a Social Security number.

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 your State's Office of the Attorney General.

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:

  • Use licensed or verified local contractors backed by reliable references.
  • Do not pay more than half the costs of repairs in advance.
  • Demand that contractors detail the job to be done with guarantees in writing.

Charitable Giving Scams:

Donating money or supplies to the relief effort is another way to help survivors. Be alert to scams during an emergency. Learn more about donating.

Reporting Fraud:

To report suspicious activity or potential fraud from scam artists or identity thieves, you may contact:

Tennessee Division of Consumer Affairs
Inside TN: 800-342-8385
Fax: 615-532-4994
Phone: 615-741-4737
Mailing address: Tennessee Attorney General’s Office, P.O. Box 20207, Nashville, TN 37202-0207

National Center for Disaster Fraud
Hotline: 866-720-5721

FEMA Helpline: 800-621-3362 (TTY 800-462-7585)

Local Law Enforcement

How to Appeal

Applicants are evaluated on a case-by-case basis varying based on individual and/or household needs.

If you qualify for a grant, you are provided:

  • A check by mail or a direct deposit into your checking or savings account, and
  • A determination letter specifying your category of assistance and how you are to use the money.

If you do not qualify for a grant, you are provided:

  • A letter explaining why you did not qualify
  • An opportunity to appeal the decision

The Appeal Process

An appeal should be filed in the form of a signed letter within 60 days of the date on the determination letter. In it, explain why you disagree with the decision including:

  • Full name, date of birth and current address
  • Signature and the date
  • Registration number (on every page)
  • FEMA disaster declaration number – DR-4541-TN (on every page)

You or your co-applicant, must sign the letter.

If you choose to have a third party submit an appeal on your behalf, it must be signed by the third party and include a statement signed by you authorizing the third party.

Mail to:
FEMA-Individuals & Households Program
National Processing Service Center
P. O. Box 10055
Hyattsville, MD 20782-8055

Fax to: 800-827-8112
Attention: FEMA

Appeal letters and supporting documentation also can be uploaded to your account on

Protect Yourself from Future Disasters

Tennesseans in many communities are repairing or rebuilding their homes after a series of springtime tornadoes and windstorms. Hazard Mitigation helps homeowners and businesses rebuild and minimize impacts from future disasters. Want to fortify your home from the inside out? How about 12 mitigation tips under $50? Visit:

In addition, you can find a video on making your roof wind-resistant here:


All News Releases, Fact Sheets, and Updates for the Tennessee Severe Storms, Tornadoes, Straight-line Winds, And Flooding (DR-4541) Are Available Here

Financial Assistance

Individual Assistance - Dollars Approved


Total Individual & Households Program (IHP) - Dollars Approved*


Total Housing Assistance (HA) - Dollars Approved*


Total Other Needs Assistance (ONA) - Dollars Approved*


Total Individual Assistance (IA) - Applications Approved*

Public Assistance - Dollars Approved


Total Public Assistance Grants (PA) - Dollars Obligated✝

* Dollars Approved: Assistance dollars approved but not necessarily disbursed.
✝ Dollars Obligated: Funds made available to the State via electronic transfer following FEMA's final review and approval of Public Assistance projects.

Learn more about FEMA Disaster definitions. Information is updated every 24 hours.

Related Links

Last Updated: 2020-04-24 04:00