Individual Assistance
Financial Assistance (current financial assistance cap $30,200) (DAP
9443.1)
Rental Assistance
o FEMA may provide financial rental assistance to rent an apartment or other
temporary housing for up to 18 months after the disaster declaration based on HUD
Fair Market Rent (FMR) rate in the area.
o FEMA may authorize an emergency temporary increase in the rent rate above the
published HUD FMR rate for the affected area. The FCO can adjust up to 125%.
o 100% - No Federal/state cost-share.
Repair and Replacement of Damaged Residences (44 CFR 206.113 and 206.117)
o Following inspection of damages, FEMA may provide eligible homeowners with
financial assistance for repairs necessary to restore the home to a condition that is
safe, sanitary, and functional.
o Financial assistance may also be used toward replacement of a destroyed or
condemned home.
o FEMA cannot provide a duplication of benefits (e.g., losses covered by an applicant’s
homeowners insurance, flood insurance, etc.).
o 100% - No Federal/state cost-share.
Other Needs Assistance (ONA) (44 CFR 206.119)
o FEMA may provide financial assistance to an individual or household to address
personal property, transportation, and other necessary expenses or serious needs
resulting from the disaster.
o Applicants must first apply for an SBA loan and be denied.
o FEMA may provide financial assistance to an individual or household to meet
disaster related medical, dental, and funeral expenses.
o 75%-25% Federal/state cost-share.
Direct Assistance (used only as a last resort and when all rental
resources have been exhausted)
Multi-Unit Repair Program
o When existing rental resources are insufficient, FEMA may repair multi-unit
apartment buildings if landlords agree to house disaster survivors for up to 18 months
after the disaster declaration
o No duplication of benefits can occur with insurance or a business loan to make
repairs (including loans from SBA).
o The repairs must be cost-effective compared to alternate forms of assistance.
o 100% - No Federal/state cost-share.
Temporary Housing Units (44 CFR 206.113 and 206.117)
o When other housing options have been exhausted or adequate alternative housing is
not available, temporary housing units may be used to house disaster survivors for up
to 18 months after the disaster declaration.
o Temporary housing may be placed on an eligible survivor’s private property, in a
commercial park, or as a last resort on a new group site approved by local officials
and constructed and maintained by FEMA.
o 100% - No Federal/state cost-share.
Direct Leasing
o Through existing FEMA contracts, FEMA may directly lease housing resources for
eligible disaster survivors for up to 18-months.
o FEMA, in partnership with HUD, may activate the Disaster Housing Assistance
Program (DHAP). Rental assistance is provided directly to landlords on behalf of
eligible disaster survivors for up to 18 months after the disaster declaration.
o 100% - No Federal/state cost-share.