Government Disaster Recovery Program

Some of the following programs are only available following a presidential disaster declaration.  FEMA will let you know what is available in your area following a disaster.

Housing grants

FEMA provides limited financial help for individuals and families - either owners or renters - whose primary residence is uninhabitable. If your insurance is inadequate, you may be eligible for

  • Alternate rental housing or temporary shelter
  • Emergency repairs to make your residence safe to live in until more permanent repairs can be made

Loans for Individuals, families and small businesses

The U.S. Small Business Administration (SBA) offers low-interest home and business disaster loans to uninsured or under-insured people who qualify.  Loans can cover insurance deductibles.

Loans for farmers and ranchers

The U.S. Department of Agriculture (USDA) provides low-interest loans to farmers and ranchers for physical and production losses, repair or replacement of farm property, or to repay farm operating debts incurred during the disaster year.

Financial assistance grants

These FEMA/state grants help with serious, disaster-related needs when other assistance programs are inadequate or unavailable. Examples include medical, dental and funeral expenses, transportation and other property costs. Grants under this program are very limited. The average grant awarded is approximately $2,500.