Permanent Housing Construction: Direct assistance or money for the construction of a home. Replacement: Funds may also be available to homeowners to replace their home destroyed in the disaster if it is not covered by insurance. The goal is to make the damaged home safe, sanitary, and functional. Repair: Money is available to homeowners to repair damage from the disaster to their primary residence that is not covered by insurance. Temporary Housing (a place to live for a limited period of time): Temporary Housing can include a hotel stay, government-provided housing, or a rental unit if available. Examples of assistance include Temporary Housing, Repairs, Replacement, and Permanent Housing Construction. Types of FEMA Housing Needs AssistanceįEMA offers people in disaster areas different types of housing assistance to help them through the disaster. Click here for more types of insurance homeowners should buy. This is why homeowners insurance and flood insurance are so important. It is only meant to help people with critical expenses that cannot be covered in other ways. You can purchase flood insurance through the FEMA National Flood Insurance Program.įEMA disaster assistance is not intended to restore your damaged property to its condition before the disaster. This is essential if you live in a flood plain or coastal area.įlood insurance can be expensive, but it can be much cheaper than paying out of pocket to repair flood-damaged items or replace your household goods. You should always check your policy and purchase flood insurance separately if needed. For example, most homeowners insurance policies don’t cover flood damage. This is important even if you know your claim will not be covered by insurance. It’s important to note that you first need to file an insurance claim before you can file a claim through FEMA. This money is meant to assist people and businesses whose property was damaged or destroyed and whose losses are not covered by insurance. Many people who live in a federally designated disaster area may qualify for FEMA disaster assistance funds. Tornadoes, winter storms, fires, hurricanes, and other natural disasters can cause massive damage. We have updated this resource to help people file a FEMA claim to help put their lives back in order. The good news is that there is help available from the Federal Emergency Management Agency (FEMA) and other organizations. For those who lost everything, it might mean trying to find safe shelter for a few days or longer. For many people, that means taking each day at a time and trying to make your home livable again. When a natural disaster strikes, it can get back to a normal way of life.
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