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FEMA Application Walkthrough for Homeowners

Last updated: July 28, 2026 If the home is unsafe: Leave if you smell gas, see fire or live wires, hear shifting walls, find sewage indoors, or receive an evacuation or unsafe-building order. Call 911 or the utility emergency line. FEMA registration is not emergency rescue, shelter placement, or permission to reenter a damaged home. … Read more

SBA Disaster Loan vs. FEMA Grant

Last updated: July 28, 2026 Immediate danger: Leave the home and call 911 if there is fire, a gas smell, rising water, exposed wiring, sewage, major structural movement, or an evacuation order. Do not enter a damaged building until local officials say it is safe. Bottom Line: FEMA assistance is usually a grant or direct … Read more

Increased Cost of Compliance Flood Insurance Coverage

Last updated: July 28, 2026 Bottom Line Increased Cost of Compliance, usually called ICC, is an insurance benefit included with eligible National Flood Insurance Program building coverage. It is not a grant, loan, or income-based repair program. ICC may pay up to $30,000 to elevate, relocate, demolish, or in limited cases floodproof a building after … Read more

CDBG-DR Long-Term Disaster Recovery Programs

Last updated: July 27, 2026 In immediate danger? Leave an unsafe home and call 911. For shelter, food, medicine, or urgent disaster help, contact your local emergency management office or call 211. Do not enter a damaged building until local officials say it is safe. Bottom line: Community Development Block Grant Disaster Recovery, usually called … Read more

Home Repair Help After a Disaster

Last updated: July 28, 2026 If the home may be unsafe Leave the home and call 911 for fire, a gas smell, live wires, collapse risk, serious injury, or anyone trapped inside. Do not enter a flooded, burned, or badly damaged building until local officials say it is safe. The CDC return-home guide explains basic … Read more