FEMA provides financial assistance to eligible individuals and households affected by federally declared disasters. While there isn't a specific $700 payout, the aid provided covers various needs such as housing, repairs, and other disaster-related expenses, with amounts determined based on individual eligibility and verified damages.
Understanding FEMA Disaster Assistance
FEMA assistance is designed to help individuals and families recover from the immediate aftermath of a disaster when other resources are unavailable or insufficient. It is not intended to make you whole but to help you restart your recovery.
Financial assistance can cover a range of needs, including:
- Housing Assistance: Funds for temporary lodging, rental assistance, or repair/replacement of a damaged primary residence.
- Other Needs Assistance: Financial aid for essential items and critical expenses, such as:
- Medical and dental expenses caused by the disaster.
- Funeral and burial costs.
- Child care.
- Personal property losses (e.g., clothing, household items).
- Damage to essential vehicles.
- Moving and storage expenses.
- Other necessary expenses or serious needs.
Eligibility for assistance is determined after a federally declared disaster in your area and typically requires that damages are not covered by insurance.
Applying for FEMA Disaster Assistance
To be considered for financial assistance from FEMA, you must apply. There are four primary ways to submit your application:
| Method | Details |
|---|---|
| Online | Visit DisasterAssistance.gov to complete your application securely and conveniently. |
| FEMA App | Download the free FEMA app from your smartphone's app store and apply directly from your mobile device. |
| Phone | Call 1-800-621-3362 to speak with a representative who can guide you through the application process. |
| In Person | Locate a Disaster Recovery Center (DRC) near you to apply with assistance from FEMA staff and other agencies. |
What to Have Ready When You Apply
When applying, be prepared to provide certain information, including:
- Your Social Security number.
- Current and pre-disaster address.
- Contact information (phone number, email address).
- Insurance information (if applicable).
- Total household annual income.
- Bank account information for direct deposit.
- A description of your disaster-caused damage and losses.
What Happens After You Apply?
Once your application is submitted, FEMA will review your information. For certain types of assistance, a FEMA inspector may contact you to schedule a visit to your damaged property to verify your losses. After the inspection (if required), FEMA will notify you of their decision regarding your eligibility and the amount of assistance, if any. Funds are typically disbursed via direct deposit to your bank account or by check.
Remember, it's crucial to apply as soon as possible after a disaster and to keep records of all communications and expenses related to your recovery.
