Program Description

Housing Assistance under FEMA's Individuals and Households Program (IHP)  provides financial and direct assistance to those who qualify after a major disaster or emergency. The Housing Assistance program assists with housing needs, directly caused by the disaster, not covered by insurance or provided by other sources.

Financial Housing Assistance may include the following:

  • Rental Assistance: To help you rent alternate housing.
  • Lodging Expense Reimbursement: To reimburse you for short stays in hotels, motels, or other short-term lodging.
  • Home Repair Assistance: To repair an owner-occupied primary home, utilities, and residential infrastructure. This includes privately owned access routes like driveways, roads, or bridges.
  • Home Replacement Assistance: To help replace an owner-occupied primary home.

Direct Housing Assistance may be available when approved for a disaster. You must be unable to use Rental Assistance due to a lack of available housing resources. Some forms of Direct Housing may have additional requirements.

Direct Housing Assistance may include the following:

  • Multi-family Lease and Repair: Provides temporary housing in a multi-family rental property located in disaster areas, paid for by FEMA.
  • Transportable Temporary Housing Units: Provides a recreational vehicle or manufactured home installed by FEMA for temporary housing.
  • Direct Lease: Provides an existing home for temporary use, leased by FEMA.
  • Permanent Housing Construction: Provides home repairs or new construction provided by FEMA. Limited to certain areas outside the continental U.S. or areas where other housing is not available and FEMA does not provide other types of housing assistance.

General Program Requirements

In general, you must meet all of the following conditions to qualify:

  • You or someone who lives with you is a U.S. citizen, a non-citizen national, or a qualified alien.
  • You pass FEMA’s identity and occupancy verifications.
  • You must pass ownership verification for Home Repair and Home Replacement Assistance.
  • Your primary home is in a Presidentially declared disaster area and is unlivable or is not accessible.
  • You have no insurance –or– have filed an insurance claim, but it does not cover all of your losses.

Other conditions and limitations may apply.

Read FEMA’s Individual Assistance Program and Policy Guide for more details.

Application Process

To start an application, click Apply Online.

To apply by phone, you may call the FEMA Helpline; phone numbers below.

You may also visit a local Disaster Recovery Center (DRC) for help. Use the DRC Locator to find a center near you.

Last Updated: 10/27/2021