If you live in an area impacted by Hurricanes Helene or Milton, FEMA has outlined assistance options available to support recovery. Here are answers to frequently asked questions:
Key Questions and Answers
- What Assistance is Available?
FEMA’s Individual Assistance can help cover temporary lodging, essential home repairs, personal property losses, and other disaster-related expenses that aren’t covered by insurance. - Home Inspection Process
FEMA may schedule an inspection to assess structural safety and essential systems (electric, plumbing, heating). Inspectors only verify information and don’t request bank details or charge fees. - Not Approved?
A “not approved” status may mean additional info is needed, like insurance documents or proof of residency. Visit a Disaster Recovery Center or check online at FEMA’s FAQ page. - Vacation Homes
Only primary residences are eligible for FEMA assistance. - Applying Before Insurance Claim Denial
Apply for FEMA aid even if your insurance claim isn’t finalized. Upload any insurance settlements or denial letters when available. - What Repairs are Covered?
FEMA may fund repairs for essential structures like wells, septic systems, and HVAC, not to restore pre-disaster conditions but to make homes safe and functional. - Renters and Self-Employed
Renters can apply for temporary housing assistance and personal item replacement. Self-employed individuals may receive help for essential work tools and equipment. - Repayment of FEMA Aid
FEMA grants are not loans; they don’t need to be repaid, are not taxable, and won’t affect other federal benefits.
How to Apply
To apply, visit DisasterAssistance.gov, use the FEMA App, call 800-621-3362, or visit a Disaster Recovery Center. Be ready with personal info, proof of damages, and banking details if choosing direct deposit.
For more details, visit FEMA’s Home Inspections Info or find your nearest Disaster Recovery Center at fema.gov/drc.
