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Assistance for Housing and Other Needs

FEMA may provide money and other services to help you recover from losses caused by a presidentially declared disaster, such as damage to your home, car, and other personal items.

Note: FEMA does not provide assistance for small businesses impacted by a disaster. Our partner, the U.S. Small Business Administration (SBA), offers low interest loans for business damage. Also, we do not offer housing assistance for secondary homes, only for your primary residence.

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You may qualify for FEMA disaster assistance even if you have insurance. You must file a claim with your insurance provider and submit the insurance settlement or denial letter to FEMA to determine your eligibility for some forms of assistance.

Apply for FEMA Assistance at DisasterAssistance.gov

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What FEMA Assistance Covers

Housing Assistance

  • Rental Assistance: money you can use to rent housing if you are displaced from your home because of the disaster.
  • Lodging Expense Reimbursement: money to reimburse you for emergency lodging expenses such as hotel or motel if you are displaced from your home because of the disaster.
  • Home Repair or Replacement: money to help you repair or replace your home damaged by the disaster.
  • Accessibility Needs: money to help survivors with a disability address specific repairs to ensure their home is accessible.
  • Privately-owned Roads, Bridges, Docks: money for survivors whose only access to their home has been damaged by the disaster.
  • Temporary Housing Unit: if approved for the disaster, when you are not able to use rental assistance due to a lack of available housing resources.
  • Hazard Mitigation: Money for specific measures to help eligible homeowners repair or rebuild stronger, more durable homes

Other Needs Assistance

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Serious Needs Assistance (SNA)

An upfront, flexible payment per household for essential items like food, water, baby formula, breast feeding supplies, medication and other serious disaster-related needs.

NOTE: SNA is not a form of reimbursement for loss of power or replacing food. It is intended for emergency needs only.

  • Displacement: money to help with housing needs if you cannot return to your home because of the disaster.
  • Childcare: money to help you pay for childcare expenses or an increase in childcare expenses caused by the disaster.
  • Clean and Sanitize: money to help you pay for very minor damage caused by the disaster to prevent additional loss and potential health or safety concerns.
  • Funeral: money to help you pay for funeral or reburial expenses caused by the disaster.
  • Group Flood Insurance Policy: purchase of a flood insurance policy with three years coverage if your home is in a Special Flood Hazard Area, and you have flood damage caused by the disaster.
  • Medical/Dental: money to help you pay for expenses related to disaster-caused injuries or illnesses.
  • Personal Property: money to help you repair or replace appliances, room furnishings, and a personal or family computer damaged by the disaster.
  • Transportation: money to help you repair or replace a vehicle damaged by the disaster when you don’t have another vehicle you can use.
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For additional information about Other Needs Assistance, please visit Chapter 3, Section VI in the Individual Assistance Program and Policy Guide (IAPPG).