New Jersey Remnants of Hurricane Ida

4614-DR-NJ
New Jersey

Incident Period: Sep 1, 2021 - Sep 3, 2021

Declaration Date: Sep 5, 2021

Now Closed: Period to Apply for Disaster Assistance

alert - warning

The last day for individuals and families to apply for assistance after this disaster has passed. You are no longer able to begin a new claim.

To check the status on a previously submitted claim, visit DisasterAssistance.gov.

I Was Told to Call the U.S. Small Business Administration

FEMA is not allowed to provide disaster assistance for certain losses covered by the U.S. Small Business Administration (SBA) disaster loans. The SBA provides low-interest disaster loans to individuals and households to help with disaster losses. FEMA works with the SBA to determine if you may qualify for Personal Property Assistance, Transportation Assistance, or a Group Flood Insurance Policy.

FEMA will automatically refer you to the SBA to be considered for a disaster loan if you meet SBA’s income standards. FEMA uses your household annual gross income and number of dependents to determine if you should be referred to the SBA.

If you are referred to the SBA, FEMA will contact you via an auto-dialer system to explain how to apply for a disaster loan. You must complete and return a loan application to be considered for an SBA loan or certain types of FEMA assistance. You do not have to accept an SBA loan offer. However, if you are approved for an SBA loan, and you do not accept it, you will not be referred back to FEMA for personal property or transportation assistance.

For more information about the SBA disaster loan program, please call the SBA at 800-659-2955 (TTY: 800-877-8339). SBA information is also available at www.SBA.gov/disaster or by email at disastercustomerservice@sba.gov.

Learn more about SBA loans

I Applied for Assistance. What's Next?

If You Have Insurance

Please contact your insurance company as soon as possible to file a claim. FEMA can only provide money after you get your insurance settlement. If your insurance doesn’t cover all of your home repair or rebuilding expenses, FEMA may be able to help.

FEMA can’t provide money for expenses covered by insurance or duplicate benefits from another source. When you get your insurance settlement or denial, please send a copy to FEMA as soon as you can.

If your insurance settlement is delayed more than 30 days from the time you file your claim, call the FEMA Helpline at 800-621-3362.

Learn more about the steps after applying

If You Do Not Have Insurance

FEMA will verify your disaster-caused losses. The agency will schedule a time to inspect your home if you reported damage to your home or personal property. Or FEMA will ask you to send documents to verify your expenses.

You will receive notification letters from FEMA either by mail or electronic correspondence explaining your next steps. If necessary based on the losses you reported, an inspector will contact you by phone to schedule an inspection. If you miss the call, they will leave a voicemail message and make multiple attempts to reach you. The inspector should not need to view repair receipts or pictures of the damage. But if you begin cleaning up before the inspection, FEMA suggests you take pictures, make a list of your losses, and keep receipts for all of your disaster-caused expenses.

Find a Housing Counselor

U.S. Department of Housing and Urban Development (HUD) provides support to a nationwide network of housing counseling agencies (HCAs) and certified counselors. HUD-participating HCAs are approved and trained to provide tools to current and prospective homeowners and renters so they can make responsible choices to address their housing needs in light of their financial situations.

Verifying Home Ownership or Occupancy

FEMA is required to verify you lived at the address in your application as your primary residence before providing most types of assistance. FEMA is also required to verify you owned your home before providing home repair or home replacement assistance. Learn more about this process.

As part of our effort to make the disaster assistance process quicker and reduce the burden on applicants, we try to verify occupancy and ownership by using an automated public records search.

If we cannot verify you lived in or owned the home that you listed on your application, we will ask you to provide documents to prove occupancy and/or ownership to help us determine if you are approved for assistance.

How Do I Appeal the Decision?

If you receive a letter stating that you are not approved for assistance or that your application is incomplete, you can still complete the application or appeal the decision within 60 days of receiving a decision letter. The letter would either be mailed to you or placed into your Disaster Assistance Center account, if you have set up an account.

Learn more about appeals

Frequently Asked Questions and Rumors

Learn more about common disaster-related rumors and how to report fraud. You can also get answers to frequently asked questions about emergency shelters, disaster assistance, flood insurance and more.

Multilingual Resources

You can find social media graphics with important safety messaging in various languages, including English, Chinese, Spanish and Vietnamese.

We also have videos in American Sign Language (ASL) on topics including:

How to Help

Volunteer and Donate

Recovery can take many years after a disaster. There are many ways to help such as donating cash, needed items or your time. Learn more about how to help those in need.

Don’t self-deploy to disaster areas. Trusted organizations in the affected areas know where volunteers are needed. Work with an established organization to make sure you have the appropriate safety, training and skills needed to respond.

FEMA Voluntary Agency Liaisons (VALs) support the significant contributions of voluntary, faith-based, and community stakeholders active in disaster by building relationships – and coordinating efforts – with and across partner organizations and government agencies.

Doing Business with FEMA

If you are interested in providing paid services and goods for disaster relief, visit our Doing Business with FEMA page to get started.

If you own a business involved with debris removal and want to work on clean-up efforts in affected areas, please contact the local government in affected areas to offer your services.

Local Resources

Local News & Media

Visit the News & Media page for events, fact sheets, press releases and other multimedia resources.

Local Resources Custom Text

FEMA Assistance for Hurricane Ida is Closed

The application period for homeowners & renters of Bergen, Essex, Gloucester, Hudson, Hunterdon, Mercer, Middlesex, Morris, Passiac, Somerset, Union and Warren counties ended on Jan. 5th, 2022.

How To Appeal Your FEMA Determination

If you disagree with a FEMA decision about your eligibility for disaster assistance, you have the right to submit an appeal within 60 days from the date FEMA has on the determination letter.

An appeal is a written request to FEMA to review your file again, and an opportunity to provide new or additional information not previously submitted that may affect the decision. You may appeal any decision from FEMA regarding your application for Individual Assistance, such as your initial eligibility decision, the amount or type of assistance provided to you, late applications, requests to return money, or a denial of Continued Temporary Housing Assistance.

In your appeal provide documentation of the damage that affected your essential living space or made your home uninhabitable. That includes home repair estimates and receipts, insurance information (settlements/denial of claim letter), contractor bids or photos. And be sure to include any information or documents that FEMA requests in the decision letter.

Keep in mind that after FEMA receives your letter, you may receive a phone call or a follow-up letter asking for more information.

If you have questions regarding the determination letter you received or how to file an appeal, you may contact a FEMA Helpline agent at 1-800-621-3362 (FEMA), or (TTY) 1-800-462-7585. You may also choose to request a copy of your file from FEMA to help you understand why you received the decision you want to appeal.

For more information and advice on the appeals process, see the: Tips for Appealing a Decision from FEMA Press Release.

U.S. Small Business Administration (SBA)

You may receive a phone call to advise you of ways to apply for the Small Business Administration (SBA). If referred to the SBA, a loan application must be completed and returned in order to be considered for a loan, as well as for certain types of FEMA assistance.

Applying for an SBA loan assures that all available disaster assistance options remain open to you. If SBA find that you cannot afford a loan, they will automatically refer you to FEMA’s Individuals and Households program. Your file will be reviewed to determine if you qualify for additional grant assistance.

Applicants may apply online using SBA’s secure website at DisasterLoanAssistance.sba.gov or call SBA’s Customer Service Center at 800-659-2955. Individuals who are deaf or hard-of-hearing may call 800-877-8339. For more information, email DisasterCustomerService@SBA.gov.

More Information

Clean Up After A Disaster 

If you have a mold problem caused by Hurricane Ida, call your insurance company to file a claim. Mold can pose serious health risks and should be removed as soon as possible. If you live in one of the twelve counties listed above, you may be eligible for a one-time $300 Cleaning and Sanitizing grant to help with Ida cleanup costs. Inquire about this grant as you go through the FEMA application process. Find tips about mold remediation from the Centers for Disease Control and Prevention at Homeowner’s and Renter’s Guide to Mold Cleanup After Disasters | CDC.

Mitigation Funding for Homeowners & Subapplicants

Swift Current Initiative

FEMA's Flood Mitigation Assistance (FMA) program is launching a disaster initiative called Swift Current that will distribute funding in alignment with the survivor experience.

The intent for the Swift Current Initiative is to explore how to make flood mitigation assistance available within the disaster recovery timeframe, for repetitively flooded and substantially damaged buildings insured under the National Flood Insurance Program (NFIP) in advance of the annual grant process. Learn more: Swift Current Initiative | FEMA.gov

Subapplicants: New Jersey local governments, including cities, townships, counties, special district governments and tribal governments (including federally recognized tribes that choose to apply as subapplicants) are considered subapplicants and must submit subapplications to their state applicant agency. Requirements as follows:

  • Structures identified in the subapplication must have an NFIP policy (including Group Flood Insurance Policy) in effect prior to the opening of the application period that must be maintained through the life of the building, regardless of the flood zone.
  • Subapplicants must have a FEMA-approved Local or Tribal Hazard Mitigation Plan by the application deadline and at the time of obligation of grant funds for projects.
  • All subapplicants must be participating in the National Flood Insurance Program, and not be withdrawn, on probation, or suspended.

Homeowners: Interested New Jersey homeowners should contact their local municipality or county emergency management agency for more information. The local government in which the property is located is considered the sub-applicant and will work with interested property owners to develop a sub-application. The local government will submit the sub-application to the state on property owner’s behalf, and the state will submit the application to FEMA. FEMA will select projects based on eligibility and funding available.

Individual flood mitigation projects are eligible under the FMA Swift Current. Eligible individual flood mitigation projects include the following:

  • Property Acquisition and Structure Demolition/Relocation
  • Structure Elevation
  • Dry Floodproofing of Historic Residential Structures or Non-Residential Structures
  • Non-Structural Retrofitting of Existing Buildings and Facilities
  • Mitigation Reconstruction
  • Structural Retrofitting of Existing Buildings

The application period for Swift Current closes Oct. 3, 2022

Learn more: Swift Current Initiative | FEMA.gov

Additional Resources

Disaster Distress Helpline

It is normal to feel sad, stressed or overwhelmed after a major disaster. For adults and children having negative feelings or thoughts, free crisis counseling is available through the Substance Abuse and Mental Health Services Administration’s (SAMHSA) Disaster Distress Helpline.

The Disaster Distress Helpline (DDH) is the first national hotline dedicated to providing year-round disaster crisis counseling. This toll-free, multilingual, crisis support service is available 24/7 via telephone (1-800-985-5990) and SMS (text 'TalkWithUs' to 66746) to residents in the U.S. and its territories who are experiencing emotional distress related to natural or man-made disasters.

Disaster Legal Services

Disaster Legal Services (DLS) can provide free legal help to low-income disaster survivors. If you are not able to get adequate legal services for your disaster-related needs, DLS may be able to help.

DLS can help with the following:

  • Insurance claims for medical bills, loss of property, and loss of life
  • New wills, powers of attorney, and other legal papers lost during the disaster
  • Home-repair contracts and contractors
  • Problems with landlords
  • Proof of homeownership
  • FEMA appeals

Disaster Legal Services attorneys are not FEMA employees. Their services are confidential and they do not share information with FEMA. Learn more: Legal Services of New Jersey

How to Help

Volunteer and Donate

Recovery can take many years after a disaster. There are many ways to help such as donating cash, needed items or your time. Learn more about how to help those in need.

Don’t self-deploy to disaster areas. Trusted organizations in the affected areas know where volunteers are needed. Work with an established organization to make sure you have the appropriate safety, training and skills needed to respond.

FEMA Voluntary Agency Liaisons (VALs) build relationships and coordinate efforts with voluntary, faith-based and community organizations active in disasters.

Doing Business with FEMA

If you are interested in providing paid services and goods for disaster relief, visit our Doing Business with FEMA page to get started.

If you own a business involved with debris removal and want to work on clean-up efforts in affected areas, please contact the local government in affected areas to offer your services.

Funding Obligations

Individual Assistance Amount
Total Housing Assistance (HA) - Dollars Approved $229,921,671.11
Total Other Needs Assistance (ONA) - Dollars Approved $25,547,557.20
Total Individual & Households Program Dollars Approved $255,469,228.31
Individual Assistance Applications Approved 45018
Public Assistance Amount
Emergency Work (Categories A-B) - Dollars Obligated $80,189,071.23
Permanent Work (Categories C-G) - Dollars Obligated $166,860,787.89
Total Public Assistance Grants Dollars Obligated $269,917,224.10
Hazard Mitigation Assistance Amount
Hazard Mitigation Grant Program (HMGP) - Dollars Obligated $21,927,784.91

Disaster Recovery Centers (DRC) List

Nothing to show.
Last updated