GrantFEMA

FEMA Individuals and Households Program

If your county is in a declared disaster, FEMA may help with temporary housing, basic repairs, or essential uninsured losses. Apply at DisasterAssistance.gov. It is not a home-makeover grant.

Typical award

Varies by disaster and loss

Time to apply

30–45 min

Ease

Straightforward

Check disaster assistance

Why this is (relatively) easy

A single federal form after a declaration. Approval is based on loss and insurance, not an essay.

Who usually qualifies

You live in a declared disaster area
Uninsured or under-insured necessary expenses or serious needs
U.S. citizen, non-citizen national, or qualified non-citizen

What to have ready

Address affected
Insurance info
Damage description

Steps

1
Confirm your county is listed on DisasterAssistance.gov.
2
Apply online or call FEMA. There is no fee.
3
Keep receipts and photos. A home inspection may follow.

Deadline: Only after a presidential disaster declaration, with a filing deadline. Official program page