This page contains information on the types of Individuals and Households Program Housing Assistance that are available through FEMA’s Individual Assistance for primary residences damaged by a federally declared disaster. Individuals and households may receive more than one type of Housing Assistance.
Temporary Housing Assistance
Homeowners and renters who are uninsured or underinsured may receive Temporary Housing Assistance if you are displaced from your primary residence because of the disaster.
Temporary Housing Assistance consists of Initial Rental Assistance, Utility Outage Rental Assistance, and Inaccessible Rental Assistance, Continued Rental Assistance, and Lodging Expense Reimbursement.
- Initial Rental Assistance is typically 2 months of rental based on the fair market rental rate of the county/territory where the damaged dwelling is located. This assistance is for homes verified as being uninhabitable, or homes with forced relocation.
- Rental for Utility Outages is typically 1 month of rental based on the fair market rental rate of the county/territory where the damaged dwelling is located. This assistance is for extended utility outage.
- Rental for Inaccessible dwellings is typically 1 month of rental based on the fair market rental rate of the county/territory where the damaged dwelling is located. This assistance is for homes where access is impeded or restricted.
- Continued Rental Assistance may be provided for a period of up to 18 months from the date of the disaster declaration. The award for continued rental is a monthly allowance based on the fair market rental rate of the county/territory where the rental dwelling is located. This assistance is for long term displacement from a primary residence when a need for assistance is shown by submitted documents.
- Lodging Expense Reimbursement is typically reimbursement of hotel or motel bills for short term displacement when a need for assistance is shown by submitted documents. Expenses incurred during a mandatory evacuation will not be reimbursed unless a FEMA inspection reports the applicant's home as uninhabitable, inaccessible, or affected by an extended disaster-caused utility outage.
Home Repair Assistance
Home Repair assistance for uninsured or underinsured homeowners may be used to repair disaster damages for:
- Structural parts of your home (foundation, outside walls, roof).
- Septic or sewage system.
- Water Well or other water system.
- Heating, ventilation, and air conditioning system (HVAC).
- Utilities (electrical, plumbing, and gas systems).
- Entrance and exit ways from your home, including privately owned access roads.
- Blocking, leveling, and anchoring of a mobile home and reconnecting or resetting its sewer, water, electrical, fuel lines, and tanks.
Home Repair financial grants from FEMA are taxpayer funded and have a maximum fiscal year dollar amount which is determined by the year the disaster was declared.
If you are unsure of what your financial grant was based on, contact the FEMA Helpline for specific items recorded in the inspection report.
- 1-800-621-FEMA (1-800-621-3362)
- TTY 1-800-462-7585
- 711 or VRS 1-800-621-3362
Home Replacement Assistance
If FEMA determines a primary residence was structurally compromised by disaster damages to the extent where is it considered “destroyed”, eligible homeowners who are uninsured or underinsured may receive home replacement assistance up to the maximum grant amount. This maximum grant amount is determined at the start of each fiscal year and based on the consumer price index. Replacement Assistance may be applied toward purchasing a new permanent residence.
Find out more about Individual Disaster Assistance.