How FEMA Works (2024)

FEMA's mission is to help people before, during and after disasters. Here's what you can expect from FEMA in each stage.

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Before a Disaster OccursDuring Disaster ResponseAfter a Disaster

Before a Disaster

We work across the country every day before disasters happen to help people and communities understand and prepare for possible risks.

Promoting Preparedness

We work withindividuals and communitiesto build a culture ofnational preparednessthrough active community engagement, trainings and education, and planning.

Our nationalReady campaigngives you the information and tools to be proactive and prepare for potential emergencies and disasters.

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The FEMA App also makes it easy to plan for common hazards with simple slideshows that walk you through the steps to prepare.

Knowing Your Flood Risk

Floods can happen anywhere and are the most-common type of disaster. We can help youdetermine your flood riskand provide tools and resources, including flood maps, to help you take steps to protect your home.

The National Flood Insurance Program (NFIP) is managed by FEMA. You can learn more about getting a flood insurance policy by visiting FloodSmart.gov.

We also work with communities to manage flood risk through floodplain management and support coordination across all levels of government to protect citizens and property from flooding.

Helping Communities Become More Resilient

We help communities become more resilient through emergency or disaster-relatedgrant programs. Grants support state, local, tribal and territorial (SLTT) governments, certain private non-profits, individuals and institutions of higher learning in recovery initiatives, research and more.

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FEMA provides training and education to equip the whole community with disaster preparedness knowledge and skills.

During a Disaster

FEMA coordinates the federal response to disasters that receive a Presidential disaster declaration. We work closely with officials in states, Tribal Nations, and territories as they respond to disasters and make requests for federal support.

Disaster Declaration Process

When a disaster strikes, local government officials review the damage to determine the extent of the incident and its impact. If the state, Tribal Nation, or territory determine they need federal assistance, they submit a request for a federal disaster declaration.

All emergency and major disaster declarations are made solely at the discretion of the President of the United States through theRobert T. Stafford Disaster Relief and Emergency Assistance Act.

How a Disaster Gets Declared

Types of Declarations

There are two types of disaster declarations provided for in theStafford Act: emergency declarations and major disaster declarations. The type of declaration affects what types of assistance may be available.

Major Disaster Declarations

The President can declare a major disaster for any event that has caused damage beyond the combined response capabilities of state and local governments.

A major disaster declaration provides a wide range of federal assistance programs for individuals and public infrastructure, including funds for both emergency and permanent work.

Emergency Declarations

The President can declare an emergency for any occasion or instance when federal assistance is needed to supplement emergency services provided by state and local or Indian tribal governments. These services include the protection of lives, property, public health, safety, or to lessen or avert the threat of a catastrophe.

Disaster Assistance

Differentdisaster assistance programsare available for individual citizens and public groups, such as government agencies and private nonprofit organizations.

Individual Assistance

If you are affected by a disaster and live in an area designated for Individual Assistance under a major disaster declaration, you can apply forIndividual Assistancefor support during the immediate response of an incident and afterward in the recovery process.

There are many types of assistance programs available to help survivors after a disaster for needs like emergency sheltering, home repairs and hazard mitigation.

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Visit DisasterAssistance.gov to apply for disaster assistance, check the status of an application, or to get more information about types of disaster assistance available.

Public Assistance

OurPublic Assistance Programprovides supplemental grants to state, tribal, territorial, and local governments, as well as certain types of private non-profits, to respond and recover from emergencies or major disasters.

The program helps communities cover costs for debris removal, life-saving emergency protective procedures, and restoring public infrastructure. Public Assistance hazard mitigation funding helps communities build back better and reduce future disaster loss.

Response In the Field

Disaster Survivor Assistance

When a disaster is declared in your area, you may see Disaster Survivor Assistance Teams canvassing communities to register people for disaster assistance, provide in-person information and referrals to help.

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Disaster Recovery Centers

FEMA Disaster Recovery Centers are accessible facilities and mobile offices in convenient areas for survivors. At these centers, you can learn more about FEMA and other disaster assistance programs, register and get status checks on your case, and get answers or resolve problems.

Next Steps After Applying for Assistance

After you apply for assistance, we work with you to determine thenext stepsand the types of assistance you may be eligible for.

Look through a list of Frequently Asked Questions about assistance programs and the disaster recovery process.

After a Disaster

Supporting Recovery

We support state, local, tribal, and territorial government officials who are primarily responsible for managing their communities' disaster recovery withrecovery resources. These resources include recovery roadmaps, community management toolkits, and a recovery and resilience resource library to maintain whole community recovery.

TheNational Disaster Recovery Frameworkenables a whole community approach and allows agencies to coordinate with each other to provide communities with unified federal assistance as quickly and effectively as possible.

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Mitigating Future Hazards

After a disaster, we help communities rebuild stronger to reduce future disaster losses and become more resilient.

Learnwhat it means to be resilient, or get inspired by the collection ofstories and case studiesof communities taking action to build back stronger.

TheHazard Mitigation Grant Program is available after a presidentially declared disaster and helps fund risk reduction projects such as:

  • Planning & Enforcement
  • Flood Protection
  • Retrofitting
  • Construction
How FEMA Works (2024)

FAQs

How are people getting $500 from FEMA? ›

CNA is a one-time $500 payment per household. The State of California requested that FEMA authorize CNA for specific geographic areas that are expected to be inaccessible for seven days or longer. To be eligible for CNA Applicants must request it before September 5.

How does FEMA decide who gets money? ›

Ownership/Occupancy Verification

For certain types of assistance, FEMA must confirm the disaster-damaged home is your primary residence. For Home Repair or Replacement Assistance, FEMA also needs to confirm you owned the residence at the time of the disaster.

Why are people getting $700 from FEMA? ›

Critical Needs Assistance is limited to a one-time $700 payment per household. Maybe you were displaced from your primary residence or you need help to move from your pre-disaster primary residence to temporarily shelter elsewhere.

How does FEMA calculate payments? ›

When determining the amount of money you will receive, FEMA looks at your actual loss. Actual loss is determined by adding all the physical damage done, and costs necessary to repair that damage. As well as including displacement costs for you while your home is being repaired.

How much money can I expect from FEMA? ›

FEMA is limited by law to how much money we can provide. For disasters declared in Fiscal Year 2024, FEMA can provide up to $42,500 in Housing Assistance and up to $42,500 for Other Needs Assistance. Some types of help do not count toward these limits.

How much was the average FEMA check? ›

Between 2016 and 2022, the average FEMA disaster assistance grant award was $3,000. In the same period, the NFIP paid an average claim amount of more than $66,000. In some cases, policyholders may be eligible to couple their flood insurance claims with federal disaster assistance.

What reasons will FEMA deny you? ›

Common reasons for denial:
  • You haven't sent FEMA the documents or information requested. ...
  • Your damage or loss is covered by insurance or other sources. ...
  • There is more than one application filed for your household. ...
  • FEMA couldn't verify that you are the homeowner. ...
  • FEMA was unable to verify your occupancy.
Sep 23, 2023

How long does FEMA take to approve funds? ›

After your home inspection has taken place, a record of the disaster-caused damage is given to FEMA. From that record your eligibility for disaster assistance will be determined. If you qualify for a grant, the funds will be issued 7 to 10 days after your application.

Does FEMA ask for proof? ›

When you apply for disaster assistance, FEMA must verify your identity to ensure you receive the aid you're eligible for. If FEMA is unable to verify your identity through public records, you may be required to submit additional documents.

How do I ask FEMA for more money? ›

You can submit your appeal documents online, in person, by mail or by fax. If you choose to have a third party submit an appeal on your behalf, include a statement signed by you, authorizing the third party to appeal a decision on your behalf, unless those documents are already on file.

Why did FEMA send me $300 dollars? ›

If your home was damaged but you can live in it safely, FEMA may be able to provide up to $300 in one-time financial assistance to help with cleanup. This assistance is for eligible homeowners and renters.

How to get the most from FEMA? ›

FEMA Pro Tips: The Do's and Don'ts
  1. File a claim with your insurance company first. FEMA usually only covers what insurance will not.
  2. Register for disaster assistance. ...
  3. Take a lot of pictures. ...
  4. Don't wait to clean and repair. ...
  5. You are not taking money away from someone else. ...
  6. Don't wait for insurance settlements.

What's the most FEMA will pay? ›

FEMA gives notice that the maximum amount of IHP financial assistance provided to an individual or household under section 408 of the Stafford Act with respect to any single emergency or major disaster is $41,000 for housing assistance and $41,000 for other needs assistance.

What is FEMA 80% rule? ›

Your building coverage is at least 80 percent of the full replacement cost of the building, or is the maximum available for the property under the NFIP. The value of flood damage in the Dwelling Form is based on either Replacement Cost Value (RCV) or Actual Cash Value (ACV).

Does FEMA require receipts? ›

Be sure to document how you used your disaster funds and keep all receipts for at least three years. Your FEMA grant is funded by taxpayers. If you spend your grant on anything other than the purpose for which it is intended, you may be ineligible for future disaster assistance.

Is FEMA offering $500 to eligible IDA survivors? ›

During the first few days of some major disasters, FEMA provides a one-time $500 payment per household which is meant to help survivors who are displaced from their home or who are in their home but identified a critical need for water, food, first aid, prescriptions, infant formula, diapers, personal hygiene items and ...

How does FEMA reimbursem*nt work? ›

FEMA obligates funds to the Recipient based on the eligible total of an approved project. The Recipient then disburses funding to the Applicant. Once the Applicant has signed all projects, FEMA coordinates with the Recipient to schedule a Recovery Transition Meeting (RTM).

Why did I get $300 from FEMA? ›

If your home was damaged during the recent severe storms and tornadoes but you can still live in it safely, you may qualify for up to $300 from FEMA and the State to help with cleanup.

Which state has received the most FEMA money? ›

Texas has received the most money from FEMA, totaling more than $7.6 billion in federal aid and spending more than $6.2 billion. Florida, California and North Carolina also received more than $1 billion in federal aid in the last three years.

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