The purpose of the FEMA Individuals and Households Program (IHP) is to help your household be safely housed and to cover necessary expenses and serious needs following the effects of a Presidentially declared major disaster. This fact sheet outlines the various forms of IHP assistance available from FEMA and explains the general conditions and limitations of this assistance. To be initially considered for any type of FEMA IHP assistance, the affected home must be your primary residence, the home must be located in the declared disaster area, your necessary expense or serious need must have occurred in the declared disaster area, and you (or an adult household member) must be a United States citizen, a non-citizen national, or a qualified alien.
Types of FEMA IHP Assistance
- Housing Assistance (includes Temporary Housing, Repair, Replacement, and Permanent Housing Construction); and
- Other Needs Assistance (includes personal property, medical, dental, funeral, and other items).
(1) Temporary Housing (Rent and Lodging Expense): Money to rent a different place to live or a temporary housing unit, when rental properties are not available
(2) Repair: Money for homeowners to repair damage from the disaster that is not covered by insurance. The goal is to repair the home to a safe and sanitary living or functioning condition. Flood insurance may be required if the home is in a Special Flood Hazard Area. Repair and replacement items include:
- Structural parts of a home (foundation, outside walls, roof)
- Windows, doors, floors, walls, ceilings, cabinetry
- Septic or sewage system
- Well or other water system
- Heating, ventilating, and air conditioning system
- Utilities (electrical, plumbing, and gas systems)
- Entrance and exit ways from the home, including privately owned access roads
- Blocking, leveling and anchoring of a mobile home and reconnecting or resetting its sewer, water, electrical and fuel lines and tanks
(3) Replacement: Money to replace a disaster-damaged home, under rare conditions, if this can be done with limited funds. If the home is located in a Special Flood Hazard Area, the homeowner must comply with flood insurance purchase requirements and local flood codes and requirements.
(4) Permanent Housing Construction: Direct assistance or money for the construction of a home. This type of assistance occurs only in very unusual situations, where no other type of housing assistance is possible.
For additional information regarding the Recovery Program, please contact us for your area of interest.