Homeowner Rights

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Rights of homeowners affected by disaster

If your home was damaged by a major disaster, you may be eligible for housing assistance through FEMA.

You may be eligible if:

  • You filed for insurance benefits and the damage is not covered

  • You or a household member is a U.S. citizen, non‐citizen national, or qualified alien

  • Your home is in "a disaster area"

  • Your home is your primary residence

  • AND your home is inaccessible or not livable due to a disaster

You may NOT be eligible if:

  • You have other, adequate rent-free housing available

  • Your expenses resulted only from leaving your home as a precaution and you were able to return immediately after

  • You refused assistance from your insurance company

  • OR your damaged home is located in a designated flood hazard area and your community is not participating in the National Flood Insurance Program

FEMA's help may include:

  • Rent money for a new place or a temporary housing unit

  • Up to $34,900 to repair damages caused by the disaster or, in rare cases, to replace an uninsured or underinsured home. Up to an additional 34,900 for other needs assistance.

  • OR in limited cases, assistance for the construction of a new home

FEMA will pay for repairs to make the home habitable, not to restore the home to the way it was before the disaster.

If your home is damaged you should continue to pay your mortgage as required by the lender.

You may apply online at fema.gov or by phone : 1-800-621-3362 or 1-800-462-7585 if hearing/ speech impaired. Once you've applied, an inspection will be scheduled to assess your home's condition. Within 10 days of the inspection, you will be notified of FEMA's decision.