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


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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. FEMA may reimburse the purchase if you lost power and the generator was needed to power a medically required piece of equipment, including a refrigerator for required medicines, such as insulin. To qualify, you must submit documentation from a medical services provider stating the equipment is medically required.  

In rare instances, the requirement for a medical-need for the generator may be waived, allowing reimbursement for eligible individuals and households who lost power due to the disaster.

Be sure to check for disaster-specific guidance, 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.


Generally, FEMA provides all eligible assistance to one application to assist all members of the pre-disaster household. However, FEMA will evaluate the unique needs of eligible survivors to include households that may be separated due to the disaster, households made up of roommates, or when there is a financial relationship between an owner living in a home with boarders or renters.

Last updated October 3, 2022