Common Disaster-Related Rumors

There often are many rumors and scams after a disaster. Do your part to the stop the spread of rumors by doing three easy things: 

  1. Find trusted sources of information. 
  2. Share information from trusted sources. 
  3. Discourage others from sharing information from unverified sources. 
Beware of Fraud and Scams


Use the dropdown menu to filter by the type of question or type in a keyword.

Rumor: I don’t need flood insurance if I can get disaster assistance from FEMA.


This is not true. A flood insurance policy covers you during different flood events. FEMA disaster assistance is only available when a federal disaster is declared by the president.  Additionally, grants provided by FEMA are not always enough to cover all losses.

Visit the National Flood Insurance Program page for more information.

Rumor: FEMA will reimburse me for a generator I purchase.


It depends. Typically, FEMA does not reimburse a generator purchase. Be sure to check FEMA’s website for guidance specific to the disaster, including:

  1. If reimbursement for a generator is being offered for the disaster.
  2. If you qualify for this assistance.
  3. The date range in which you can purchase a generator and receive reimbursement.

Rumor: FEMA will only give assistance to one person per household.


It depends on the disaster. FEMA evaluates the needs of all eligible survivors on a case-by-case basis. 

Last updated October 3, 2022