FEMA Individual Assistance Programs: An Overview

Summary

Introduction

Other Needs Assistance (ONA) provides eligible individuals with a grant of financial assistance for their other disaster-related necessary expenses and serious needs.⁷⁵ There are several limitations on the amount of ONA an individual or household is eligible to receive. Applicants may receive up to the maximum amount of financial assistance for ONA.⁷⁶ Additionally, available ONA assistance may be further limited by the affected state, territory, or Indian tribal government. This is because the affected state, territory, or Indian tribal government predetermines some items that are eligible for ONA assistance, and establishes the number of items that can be ONA-funded and/or the maximum amount of ONA funding that can be provided for selected items.⁷⁷ The following sections provide an overview of each type of ONA, and are organized by subcategory.

• Serious Needs Assistance is a new form of ONA that provides $750 to eligible applicants who report they are displaced from their pre-disaster primary residence, sheltering in their pre-disaster residence but need to shelter elsewhere, or have a serious need, so they can address their immediate post-disaster needs for items such as "water, food, first aid, infant formula, diapers, personal hygiene items, and fuel for or the cost of transportation."⁷⁸
• Displacement Assistance is a new form of ONA that provides up-front financial assistance to eligible applicants when their pre-disaster primary residence is uninhabitable or inaccessible, so they can immediately obtain short-term accommodations while they work to secure temporary housing (such as FEMA Rental Assistance).⁷⁹
• Personal Property Assistance provides funding to eligible individuals to repair or replace eligible personal property items damaged or destroyed as a result of a declared emergency or major disaster.⁸⁰ Assistance may be provided for ONA-eligible personal property items set by the affected state/territory/tribe in its "ONA Administrative Option Selection Form."⁸¹
• Transportation Assistance provides funding to eligible individuals to repair or replace a vehicle damaged by a declared emergency or major disaster, up to the maximum award amount set by the affected state/territory/tribe in its "ONA Administrative Option Selection Form."⁸²
• Group Flood Insurance Policy enables FEMA or the state, territory, or Indian tribal government to directly purchase a policy on an applicant's behalf if the applicant is required to purchase and maintain flood insurance, but could not otherwise purchase a policy.⁸³ The premium for a three-year certificate of coverage costs $2,400,⁸⁴ and it covers real and personal property equaling the maximum amount of financial assistance available for both Housing Assistance and ONA.⁸⁵ Upon the group policy's expiration, the applicant must purchase and maintain their own flood insurance; failure to do so may affect future IHP eligibility.⁸⁶
• Funeral Assistance provides funding to assist eligible individuals with eligible funeral expenses related to a death that is directly or indirectly attributable to a declared emergency or major disaster, up to the maximum award amount set by the affected state/territory/tribe in its "ONA Administrative Option Selection Form."⁸⁷
• Medical and Dental Assistance provides funding to assist eligible individuals with eligible medical and dental expenses incurred as a direct result of a declared emergency or major disaster.⁸⁸
• Child Care Assistance provides funding to assist eligible individuals with a disaster-caused increased financial burden for childcare for children aged 13 and under and/or children up to age 21 who have a disability and need assistance with activities of daily living. Assistance is provided for up to eight cumulative weeks of childcare and eligible expenses or the maximum award amount set by the affected state/territory/tribe in its "ONA Administrative Option Selection Form," whichever is less.⁸⁹
• Moving and Storage Assistance provides funding to eligible individuals to relocate and store essential personal property while repairs are made to the applicant's primary residence, and then return the property to the repaired primary residence.⁹⁰
• Miscellaneous Expenses provides funding to reimburse eligible individuals for eligible items purchased or rented after a disaster to assist with their recovery.⁹¹ Assistance may be provided for ONA-eligible miscellaneous items set by the affected state/territory/tribe in its "ONA Administrative Option Selection Form."⁹²
• Clean and Sanitize Assistance is provided to eligible individuals in the form of a one-time payment limited to $300 to "ensure minimal damage to the home is addressed in order to prevent additional losses and potential health and safety concerns."⁹³

Mass Care and Emergency Assistance (MC/EA) involves federal coordination and support of state, local, tribal, and territorial government efforts to provide life-sustaining services to disaster survivors prior to, during, and following an incident through short-term recovery.⁹⁵ Examples of MC/EA include emergency feeding and sheltering. Unlike the other forms of assistance discussed in this report, MC/EA is authorized and funded through FEMA's Public Assistance—rather than Individual Assistance—program.

Federal assistance is intended to supplement—not supplant—the local, state, territory, or Indian tribal government's response and recovery efforts.⁹⁶ For this reason, state, territory, and Indian tribal governments do not automatically receive a presidential declaration of emergency or major disaster, nor do they automatically receive Individual Assistance (there is no threshold for authorizing IA).⁹⁷ Instead, following an incident,⁹⁸ the governor or tribal chief executive must request that the President declare an emergency or major disaster authorizing IA.⁹⁹ The governor or tribal chief executive's request must demonstrate that they are unable to effectively respond to the incident without federal assistance.¹⁰⁰ To that end, the request must include information about the actions taken and resources that have been or will be committed, and an estimate of the amount and severity of the disaster-caused damages, in addition to other required information.¹⁰¹ Using the information submitted by the governor or tribal chief executive in their major disaster declaration request, FEMA evaluates specific factors to determine whether there is a need for supplemental federal assistance to individuals (i.e., IA).¹⁰² This includes information collected through the Preliminary Damage Assessment (PDA) process, which is validated by local, state, territory, Indian tribal government, and federal authorities.¹⁰³ FEMA then provides a recommendation to the President.¹⁰⁴ Of note, no single factor is determinative; FEMA considers all relevant information submitted by the governor or tribal chief executive as part of a declaration request, and the President has the sole discretion to approve a major disaster declaration request authorizing IA.¹⁰⁵

FEMA issued a final rule updating the factors considered when evaluating a governor's request for IA on March 21, 2019, as required by Section 1109 of the Sandy Recovery Improvement Act of 2013 (SRIA, Division B of P.L. 113-2).¹⁰⁶ The factors were revised to establish what FEMA characterized as "more objective" criteria for evaluating the need for assistance, clarify eligibility requirements, and expedite a presidential declaration determination. These factors became effective June 1, 2019. FEMA also produced guidance for use by states and territories when drafting requests for major disaster declarations authorizing IA.¹⁰⁷ Thus, there are six IA factors that are considered pursuant to a governor's request for a major disaster declaration authorizing IA.¹⁰⁸ These factors are intended to help FEMA assess the "severity, magnitude, and impact of a disaster," as well as the capabilities of the affected jurisdictions.¹⁰⁹ The factors are also used to identify the appropriate types of IA to authorize (e.g., significant casualties could indicate the need for ONA for Funeral Assistance and Medical and Dental Assistance, and Crisis Counseling).

Applies to Affected States and Territories

IA Factors

Description

Sources

FEMA considers the availability of government and private-sector resources, and the circumstances that contributed to the state/territory having insufficient resources, potentially necessitating supplemental federal assistance. FEMA evaluates (1) Fiscal Capacity (a principal factor for considering the need for the IHP), which indicates the state/territory's ability manage disaster response and recovery, by considering its ability to raise revenue for disaster response and recovery based on either total taxable resources (TTR) or gross domestic product (GDP), as well as per capita personal income by locality and other factors affecting the state/territory's ability to collect funds; and (2) Resource Availability, which indicates whether the disaster-caused needs can be met using non-Stafford Act sources. Also considered is the cumulative effect of recent disasters occurring in the previous 24 months.

U.S. Department of the Treasury, Bureau of Economic Analysis, state/territory reported other limits on a state/territory's treasury or ability to collect funds and resource availability

FEMA considers the results of the FEMA-State Preliminary Damage Assessment (PDA) process to examine the extent of damage and estimated cost of IHP assistance (a principal IHP factor). An affected state/territory may provide data for consideration, including (1) the damage-causing peril; (2) the percentage of affected applicants with insurance for such peril; (3) the concentration of damages; (4) the number of homes damaged and degree of damage; (5) the estimated cost of assistance; (6) the estimated homeownership rate for the affected homes; and (7) other relevant PDA data that may demonstrate a need for supplemental assistance.

State/territory reported following the Preliminary Damage Assessment

Disaster Impacted Population Profile

FEMA considers the affected community's demographics as compared with national averages (based on U.S. Census Bureau and other federal data), to evaluate whether there is an increased need for supplemental federal assistance.

U.S. Census Bureau (American Community Survey), other federal agencies

Impact to Community Infrastructure

FEMA considers the disaster-caused disruption, damage, or destruction to community infrastructure components, which may make it difficult for disaster survivors to reside in the community and may hinder community recovery—specifically, disruption, damage, or destruction for more than 72 hours to any/all of the following: (1) "Life-Saving and Life-Sustaining Services" that provide an "essential community function that ... will affect public health and safety" (e.g., police, medical facilities); (2) "Essential Community Services" that improve quality of life (e.g., social services); and (3) "Transportation Infrastructure and Utilities" that, for example, render housing uninhabitable or inaccessible.

State/territory reported

Casualties

FEMA considers the number of individuals who are missing, injured, or deceased as a result of a disaster, which indicates community trauma.

State/territory reported

Disaster Related Unemployment

FEMA considers the number of individuals who may have lost work or become unemployed as a result of the disaster and who do not qualify for standard unemployment insurance. FEMA also considers impacts to major employers in the affected jurisdiction, which could indicate the potential for a prolonged recovery process.

State/territory reported

Notes: 44 C.F.R. §206.48(b). FEMA considers all relevant information submitted as part of a declaration request.

FEMA uses a separate set of factors when evaluating a chief executive of an affected Indian tribal government's request for a major disaster authorizing IA.¹¹⁰ Section 1110 of the Sandy Recovery Improvement Act of 2013 (SRIA, Division B of P.L. 113-2) amended the Stafford Act to allow tribal chief executives to request an emergency or major disaster declaration on behalf of the tribe (alternatively, the tribe may receive assistance through the state's declaration). Initially, FEMA used the same factors to evaluate a governor or tribal chief executive's request for a major disaster declaration, which allowed tribal governments to exercise this authority immediately upon SRIA's enactment (using the previous IA factors—before they were revised and made effective in June 2019).¹¹¹ However, FEMA's release of the Tribal Declarations Pilot Guidance in January 2017 made effective specific factors considered when evaluating a tribal chief executive's request for a major disaster declaration.¹¹² These nine factors were in effect for incidents occurring prior to December 3, 2024.¹¹³

Subsequently, in December 2024, FEMA released its updated Tribal Declarations Interim Guidance, effective for incidents occurring on or after December 3, 2024, "to enhance accessibility and streamline the process for Tribal Nations impacted by disasters."¹¹⁴ Pursuant to the Interim Guidance, FEMA considers ten factors when evaluating a tribal chief executive's request for a major disaster declaration authorizing IA, which are intended to help FEMA evaluate "the severity and magnitude and impact of the incident," to help determine whether an event has overwhelmed the tribal government's capabilities, making Stafford Act assistance necessary.¹¹⁵

In addition, per FEMA's updated Tribal Declarations Interim Guidance (December 2024), when a Tribal Nation now requests Public Assistance, FEMA will also recommend the approval of IA when certain conditions are met. As described by FEMA, the purpose of this is to take a "holistic view of housing damages for both publicly owned and individually owned tribal housing."¹¹⁶ The conditions are

• 1. the Tribal Nation wants to receive Individual Assistance—this is because the tribe would be responsible for the nonfederal cost share for Other Needs Assistance, which is established in statute and cannot be altered or waived by the President;
• 2. the President approves Public Assistance (PA); and
• 3. the disaster results in major damage to or destroys tribally owned PA-eligible housing and individually owned IHP-eligible housing.¹¹⁷

Applies to Affected Federally Recognized Tribes

Tribal Declarations before December 3, 2024

Tribal Declarations on or after December 3, 2024

IA Factors

Description

Sources

IA Factors

Description

Sources

Availability of Housing Resources

Availability of temporary housing resources.

Tribe-reported

Tribe-reported

Disaster-caused real and personal property losses of enrolled tribal members and—if requested by the tribe—non-enrolled members of the tribal community, including consideration of the amount of damage and whether there are high concentrations of damage.

Tribe-reported following the Preliminary Damage Assessment

Tribe-reported (following the Preliminary Damage Assessment)

Casualties

Number of individuals who are missing, injured, or deceased due to the disaster, including cultural, religious, and government leaders.

Tribe-reported

Tribe-reported

Impact to Community Infrastructure

Disaster-caused impacts to community infrastructure that may adversely affect the safety and security of disaster survivors.

Tribe-reported

Tribe-reported

Disaster Impacted Population Profile

Demographics of the affected population—including populations with greater needs—that may indicate the need for a more robust response.

U.S. Census Bureau, tribe-reported unique considerations not reflected in U.S. Census Bureau data

U.S. Census Bureau, tribe reported unique considerations not reflected in U.S. Census Bureau data

Tribal Government Resources

Availability of tribal resources for response or recovery, including resources that have been or will be used.

Tribe-reported

Tribe-reported

Voluntary Agency and Other Assistance

Ability of state or local government, or voluntary agency resources to meet the needs of disaster survivors.

Tribe-reported

Unique Conditions that Affect Tribal Governments

Needs or conditions unique to the tribal community.

Tribe-reported

Tribe-reported

Tribe-reported

Tribe-reported

Other Relevant Information

Other relevant information provided by the tribe.

Tribe-reported

Tribe-reported

Footnotes

Disaster Relief Act of 1974 (P.L. 93-288) (retitled the Robert T. Stafford Disaster Relief and Emergency Assistance Act—hereinafter Stafford Act—and codified, as amended, at 42 U.S.C. §§5121 et seq.). The Federal Emergency Management Agency's (FEMA's) "How a Disaster Gets Declared" web page, available at https://www.fema.gov/disasters/how-declared, provides additional information on the declaration process and the types of assistance that may be authorized pursuant to a presidential declaration of emergency or major disaster (hereinafter FEMA, "How a Disaster Gets Declared"). The Individual Assistance (IA) program is the focus of this report. For information on FEMA's other disaster assistance programs, including the Public Assistance (PA) program, which may provide grants to sub-federal governments and certain private nonprofit organizations for emergency work following an emergency or major disaster declaration, and permanent work following a major disaster declaration, see CRS In Focus IF11529, A Brief Overview of FEMA's Public Assistance Program, by Erica A. Lee, and CRS Report R46749, FEMA's Public Assistance Program: A Primer and Considerations for Congress, by Erica A. Lee. For additional information on FEMA's Hazard Mitigation Assistance (HMA) funds for mitigation and resiliency projects and programs to reduce the threat or impacts of future disasters, see CRS Insight IN11187, Federal Emergency Management Agency (FEMA) Hazard Mitigation Assistance, by Diane P. Horn.

Stafford Act Section 416, 42 U.S.C. §5183.

Stafford Act Section 426, 42 U.S.C. §5189d.

Stafford Act Section 415, 42 U.S.C. §5182.

Stafford Act Section 410, 42 U.S.C. §5177.

Stafford Act Section 408, 42 U.S.C. §5174.

Stafford Act Section 502(a)(6), 42 U.S.C. §5192(a)(6), as amended by Section 7321 of the James M. Inhofe National Defense Authorization Act for Fiscal Year 2023 (P.L. 117-263), which amended the Stafford Act to enable Crisis Counseling to be authorized pursuant to an emergency declaration.

FEMA publishes monthly reports with information on the Disaster Relief Fund (DRF) and available funding. See FEMA, "Disaster Relief Fund: Monthly Reports," https://www.fema.gov/about/reports-and-data/disaster-relief-fund-monthly-reports. For more information on the DRF and its history, see CRS Report R45484, The Disaster Relief Fund: Overview and Issues, by William L. Painter.

Stafford Act Section 403(b), 42 U.S.C. §5170b(b). For additional information on the federal cost share for disaster assistance, see CRS Report R47646, Stafford Act Cost Shares: History, Trends, Analysis, by Erica A. Lee.

FEMA's Individual Assistance Program and Policy Guide (IAPPG), v. 1.1, FP 104-009-03, May 2021, available at https://www.fema.gov/sites/default/files/documents/fema_iappg-1.1.pdf (hereinafter FEMA, IAPPG), and related guidance can be found at FEMA, "Individual Assistance Resource Library," https://www.fema.gov/assistance/individual/library.

Memorandum from Keith Turi, FEMA Assistant Administrator, Recovery Directorate to FEMA Regional Administrators, "RE: Amendment to FP 104-009-03, Individual Assistance Program and Policy Guide, Version 1.1," September 2, 2021, pp. 9-10, https://www.fema.gov/sites/default/files/documents/fema_iappg-policy-amendments-memo.pdf (hereinafter Memorandum from Keith Turi RE: Amendment to the IAPPG).

Department of Homeland Security (DHS)/FEMA, "Individual Assistance Program Equity," 89 Federal Register 3990-4125, January 22, 2024.

44 C.F.R. §206.48(b).

FEMA, Tribal Declarations Pilot Guidance, January 2017, pp. 36-38, https://www.fema.gov/sites/default/files/2020-04/tribal-declaration-pilot-guidance.pdf (hereinafter FEMA, Tribal Declarations Pilot Guidance). Section 1110 of the Sandy Recovery Improvement Act of 2013 (SRIA, Division B of P.L. 113-2) authorized tribal chief executives to request presidential Stafford Act declarations.

For a brief reference on FEMA's IA programs, see CRS In Focus IF11298, A Brief Overview of FEMA's Individual Assistance Program, by Elizabeth M. Webster; see also CRS Infographic IG10024, How FEMA Individual Assistance Works, by Elizabeth M. Webster. For additional information on FEMA's IA programs, as well as other federal assistance for disaster response and recovery, see CRS Report RL31734, Federal Disaster Assistance Response and Recovery Programs: Brief Summaries, coordinated by Maura Mullins.

42 U.S.C. §5183; 44 C.F.R. §206.171; see also FEMA, IAPPG, pp. 203-233; Substance Abuse and Mental Health Services Administration (SAMHSA), "Crisis Counseling Assistance and Training Program (CCP)," https://www.samhsa.gov/dtac/ccp; SAMHSA, "Crisis Counseling Assistance and Training Program (CCP) Toolkit," https://www.samhsa.gov/dtac/ccp-toolkit; and FEMA, Crisis Counseling Assistance and Training Program Guidance: CCP Application Toolkit, Version 5.3, April 2023, https://www.samhsa.gov/sites/default/files/dtac/ccptoolkit/fema-ccp-guidance.pdf (hereinafter FEMA, CCP Application Toolkit).

FEMA, IAPPG, p. 8. Figure 40 in FEMA's IAPPG lists and describes the available Crisis Counseling Assistance and Training Program (CCP)-funded services (see FEMA, IAPPG, p. 206).

42 U.S.C. §5183(a); FEMA, IAPPG, p. 203; FEMA, CCP Application Toolkit, p. 1.

42 U.S.C. §5183(b).

FEMA, IAPPG, pp. 207, 214, and 222; FEMA, CCP Application Toolkit, pp. 2-3.

FEMA, Disaster Operations Legal Reference, v. 4.0, September 25, 2020, p. 6-99 (hereinafter FEMA, Disaster Operations Legal Reference).

The CCP Immediate Services Program (ISP) is described 44 C.F.R. §206.171(f) and FEMA, IAPPG, pp. 209-217. The CCP Regular Services Program (RSP) is described 44 C.F.R. §206.171(g) and FEMA, IAPPG, pp. 218-225.

44 C.F.R. §206.171(f)(4)(i) and (ii); FEMA, CCP Application Toolkit, p. 2.

44 C.F.R. §206.171(g)(4)(i); FEMA, CCP Application Toolkit, p. 3.

FEMA, IAPPG, p. 208.

44 C.F.R. §206.171(f)(1) and (g)(1).

42 U.S.C. §5189d; see also FEMA, IAPPG, pp. 183-202; and FEMA, "Disaster Case Management Toolbox," https://www.fema.gov/assistance/individual/disaster-survivors/disaster-case-management-toolbox.

FEMA, IAPPG, p. 183.

The Immediate Disaster Case Management (IDCM) program is discussed in FEMA's IAPPG from pages 186-187, and the Disaster Case Management (DCM) program is discussed from pages 188-202.

FEMA, IAPPG, p. 186.

FEMA, IAPPG, p. 186.

FEMA, IAPPG, p. 186.

Email correspondence from FEMA Congressional Affairs staff, April 17, 2024 (quoting FEMA, IAPPG, p. 185).

FEMA provides funding for the DCM program, which is implemented through a grant or cooperative agreement (the cooperative agreement may be used when substantial FEMA involvement is anticipated) (FEMA, IAPPG, p. 185). DCM defines a qualified private organization as "any non-governmental organization or entity that currently has an effective ruling letter from the U.S. Internal Revenue Service, granting tax exemption under Sections 501(c) of Internal Revenue Code of 1954, or satisfactory evidence from the state, territorial, or tribal government that the nonrevenue producing organization or entity is a nonprofit one organized or doing business under state, territorial, or tribal government law and that has experience providing case management services" (FEMA, IAPPG, p. 183).

FEMA, IAPPG, pp. 191-192; FEMA, Disaster Operations Legal Reference, p. 6-96. The nonfederal entity may request an extension of the deadline to submit the Disaster Case Management award application within 60 days of the major disaster declaration.

FEMA, IAPPG, p. 188.

FEMA, IAPPG, p. 186.

42 U.S.C. §5182; 44 C.F.R. §206.164; see also FEMA, IAPPG, pp. 235-237.

44 C.F.R. §206.164(a) and (e). For the purposes of Disaster Legal Services (DLS), low-income disaster survivors are those "who have insufficient resources to secure adequate legal services, whether the insufficiency existed prior to or resulted from the major disaster" (FEMA, IAPPG, p. 236).

FEMA, IAPPG, pp. 8 and 235.

FEMA, IAPPG, p. 8.

FEMA, IAPPG, p. 237.

FEMA, IAPPG, p. 235. FEMA's statute and regulations do not establish time limitation for Disaster Legal Services.

42 U.S.C. §5177; 44 C.F.R. §206.141; see also FEMA, IAPPG, pp. 239-243.

FEMA, IAPPG, p. 239. For more information on DUA, see CRS Report RS22022, Disaster Unemployment Assistance (DUA), by Julie M. Whittaker.

FEMA, IAPPG, p. 239.

FEMA, IAPPG, p. 243.

42 U.S.C. §5174; 44 C.F.R. §§206.110-120; see also FEMA, IAPPG, pp. 41-182. For additional, detailed information on the Individuals and Households Program (IHP), see CRS Report R47015, FEMA's Individuals and Households Program (IHP)—Implementation and Considerations for Congress, by Elizabeth M. Webster; and for a brief overview of the IHP, see CRS In Focus IF12049, FEMA's Individuals and Households Program (IHP), by Elizabeth M. Webster.

FEMA, IAPPG, p. 41.

42 U.S.C. §5174(h). Assistance for housing-related needs may not exceed $42,500 (FY2024; adjusted annually), and assistance for other needs assistance (ONA) may not exceed $42,500 (FY2024; adjusted annually). Additionally, ONA may be somewhat limited because some ONA-eligible items and amounts available to be awarded are predetermined by FEMA and the state, territorial, or Indian tribal government. Financial assistance to rent alternate housing accommodations and financial assistance for accessibility-related real and personal property costs are not subject to the cap. DHS/FEMA, "Notice of Maximum Amount of Assistance Under the Individuals and Households Program," 88 Federal Register 72520, October 20, 2023.

FEMA, IAPPG, p. 46.

42 U.S.C. §5174(b)(2)(A); 44 C.F.R. §206.110(c).

FEMA, IAPPG, p. 43. See also 44 C.F.R. §206.117(b). With regard to other factors, for example, some forms of IHP assistance consider access to wrap-around services, which FEMA states in its guidance may include "basic social services, access to transportation, police/fire protection, emergency/health care services, communications, utilities, grocery stores, child care, and educational institutions" (FEMA, IAPPG, p. 117).

42 U.S.C. §5174(b) and (c); 44 C.F.R. §206.110(c); and FEMA, IAPPG, pp. 78 and 93. FEMA's defines "uninhabitable" as "mean[ing] the dwelling is not safe or sanitary" (44 C.F.R. §206.111).

FEMA, IAPPG, p. 43.

42 U.S.C. §5174(h)(1) and (4)(A).

FEMA, IAPPG, pp. 78-79.

FEMA, IAPPG, p. 80. The FEMA IAPPG states that FEMA uses the applicable Fair Market Rent (FMR) rate, which is based on the housing unit's location, number of bedrooms, and the fiscal year of the major disaster declaration (FEMA, IAPPG, p. 109 (see "Fair Market Rent (FMR)" text box)). HUD's Office of Policy Development and Research (PD&R) posts FMR information at https://www.huduser.gov/portal/datasets/fmr.html.

44 C.F.R. §206.110(e); FEMA, IAPPG, p. 80; FEMA, Disaster Operations Legal Reference, pp. 6—23-24 (it states, "Although Stafford Act Section 408 refers to only an 18-month temporary housing assistance, FEMA's implementing regulations apply this period of assistance to all of IHP" and "The Assistant Administrator for Recovery may extend this period if he/she determines that due to extraordinary circumstances, an extension would be in the public interest").

FEMA, IAPPG, p. 85. A non-exhaustive list of real property components that are eligible for repair is included in the FEMA IAPPG on page 86. It includes components such as the structural components of a home (e.g., foundation, exterior walls, and roof). Additionally, assistance to repair real property components impacted by disaster-caused mold growth is eligible for Home Repair Assistance (Memorandum from Keith Turi RE: Amendment to the IAPPG, pp. 9-10,).

FEMA, "Hazard Mitigation Under the Individuals and Households Program," release, June 10, 2021, https://www.fema.gov/fact-sheet/hazard-mitigation-under-individuals-and-households-program; FEMA "FEMA to Provide Additional Hazard Mitigation Funds to Help Homeowners Affected by Wildfires," release HQ-22-089, July 28, 2022, https://www.fema.gov/press-release/20220728/fema-provide-additional-hazard-mitigation-funds-help-homeowners-affected.

FEMA, IAPPG, p. 91. FEMA calculates the award amount using the consumer price index data for the types of housing in the area where the damage occurred (the type of pre-disaster home could include a "manufactured home, travel trailer, houseboat, or residential construction (e.g., single-family home)."

Direct Housing Assistance must be requested in writing by the affected state, territory, or tribal government, and is only available when: (1) Rental Assistance cannot be used due to insufficient available housing resources; (2) increasing the Rental Assistance rate to 125% of the HUD Fair Market Rent (FMR) will not be sufficient to meet the housing needs; and (3) assistance from other providers (e.g., government and voluntary organizations) is insufficient to meet the housing needs. FEMA, IAPPG, p. 94.

FEMA, IAPPG, p. 107. Following Hurricane Sandy, Section 1103 of the Sandy Recovery Improvement Act of 2013 (Division B of P.L. 113-2) formalized FEMA's Multi-Family Lease and Repair (MLR) program.

FEMA, IAPPG, p. 107.

The types of Transportable Temporary Housing Units (TTHUs) include Recreational Vehicles (RVs) or Manufactured Housing Units (MHUs). MHUs are built to meet the construction and safety standards set forth by HUD at 24 C.F.R. Part 3280. A manufactured home is defined in 24 C.F.R. §3280.2 as "... a structure, transportable in one or more sections ... and which is built on a permanent chassis and designed to be used as a dwelling with or without a permanent foundation when connected to the required utilities...." The IAPPG provides additional information on the certification standards that FEMA-provided RVs and MHUs must meet (FEMA, IAPPG, pp. 112-113; see 24 C.F.R. §§3280 et seq. for the Manufactured Home Construction and Safety Standards).

FEMA, IAPPG, pp. 113-116. Utilities include available and functional sanitation, electrical service, and potable water service.

FEMA, IAPPG, p. 112.

FEMA, IAPPG, p. 112.

FEMA, IAPPG, pp. 113-115.

FEMA, IAPPG, pp. 124-125. FEMA developed its Direct Lease program in 2017, and it has been implemented since 2018 as a form of Direct Temporary Housing Assistance (email correspondence from FEMA Congressional Affairs staff, March 9, 2019). The ability to use stand-alone residential sites that are not typically available to the public distinguishes Direct Lease from MLR (e.g., FEMA may lease a vacation property when apartments are unavailable).

FEMA, IAPPG, p. 127.

FEMA, IAPPG, p. 127. According to the IAPPG, Guam, the Commonwealth of the Northern Mariana Islands, American Samoa, and the U.S. Virgin Islands are insular areas, and the Alaskan interior is an example of a remote area (FEMA, IAPPG, p. 76). Unavailable means temporary housing options are unavailable for a reasonable cost or in a reasonable amount of time. Infeasible means there are no available rental housing resources, or forms of Direct Temporary Housing Assistance cannot be used because of various challenges (e.g., distance, time delays), which FEMA cannot overcome with reasonable means. Not cost-effective means the provision of other forms of Direct Temporary Housing Assistance would cost more than providing Permanent Housing Construction (PHC).

FEMA defines a necessary expense as "the cost associated with acquiring an item, obtaining a service, or paying for any other activity that meets a serious need," and a serious need as "the requirement for an item or service that is essential to an applicant's ability to prevent, mitigate, or overcome a disaster-caused hardship, injury, or adverse condition" (FEMA, IAPPG, p. 145).

42 U.S.C. §5174(h)(2) and (4)(B)..

FEMA, IAPPG, p. 147. State, territory, and Indian tribal governments establish the maximum amount of assistance that may be awarded for some categories of ONA, including Transportation Assistance for repair or replacement, Funeral Assistance, and Child Care Assistance. Personal Property and Miscellaneous Items may also be requested, and the requesting state, territory, and Indian tribal government must list the additional items, maximum quantity, maximum award amount, and justification and situations for use. This is submitted to FEMA annually via the "ONA Administrative Option Selection Form" (FEMA, IAPPG, pp. 147, 149). However, the "ONA Administrative Option Selection Form" may be changed "during any non-disaster period or within three days of a major disaster declaration" (FEMA, IAPPG, p. 149).

DHS/FEMA, "Individual Assistance Program Equity," 89 Federal Register 4012, 4023-4024, and 4123, January 22, 2024.

DHS/FEMA, "Individual Assistance Program Equity," 89 Federal Register 4024 and 4123, January 22, 2024.

FEMA, IAPPG, pp. 166-169; DHS/FEMA, "Individual Assistance Program Equity," 89 Federal Register 4010, January 22, 2024. Eligible Personal Property items include standard household appliances (and selected accessibility items); essential clothing; standard furnishings; and essential, specialized tools and equipment required by an employer or for education, as well as a self-employed individual's disaster-damaged essential tools and equipment, and required items for their trade/profession.

FEMA, IAPPG, p. 149. The affected state, territory, or tribe may identify ONA-eligible personal property and miscellaneous items, and can set a maximum number of items each eligible individual or household may receive.

FEMA, IAPPG, pp. 149, and 170-172. Eligible vehicles include cars, vans, sport utility vehicles (SUVs), and trucks, and may include motorcycles, boats, golf carts, etc. if specified by the affected state, territory, or Indian tribal government on their "ONA Administrative Option Selection Form."

FEMA, IAPPG, pp. 172-175.

Per 44 C.F.R. §61.17(b), the Group Flood Insurance Policy (GFIP) premium is a "flat fee of $600 per insured" and 44 C.F.R. §61.17(d) states that the term is for 36 months—or three years; however, the regulation notes that the premium may be adjusted "to reflect NFIP [National Flood Insurance Program] loss experience and any adjustment of benefits under the IHP program" (FEMA, IAPPG, p. 172).

FEMA, IAPPG, p. 172.

FEMA, IAPPG, p. 174.

FEMA, IAPPG, pp. 149-152. Examples of eligible funeral expenses include interment or reinterment, funeral and officiant services, and the cost of producing and certifying death certificates.

FEMA, IAPPG, pp. 153-155. Examples of eligible medical and dental expenses include costs associated with a disaster-caused illness or injury, replacing prescribed medication or equipment, and insurance deductibles and copayments, as well as loss or injury of a service animal.

FEMA, IAPPG, pp. 155-160.

FEMA, IAPPG, pp. 162-164. Items may be relocated to a temporary housing unit if they will be returned to the repaired primary residence. Appliances and furniture, but not recreational items, are eligible to move and store.

FEMA, IAPPG, pp. 160-162. Miscellaneous items may assist disaster survivors with gaining access to their property or assisting with cleaning efforts. Examples of eligible miscellaneous items may include carbon monoxide and smoke detectors, and a dehumidifier or humidifier. Chainsaws and generators may be permitted under limited circumstances if certain conditions are met.

FEMA, IAPPG, p. 149. The affected state, territory, or tribe may identify ONA-eligible personal property and miscellaneous items, and can set a maximum number of items each eligible individual or household may receive.

Memorandum from Keith Turi RE: Amendment to the IAPPG, pp. 11-12.

FEMA, IAPPG, pp. 16-40. The IAPPG chapter on Mass Care and Emergency Assistance (MC/EA) includes an overview of the program, as well as descriptions of assistance, including support related to (1) sheltering; (2) feeding; (3) the distribution of emergency supplies; (4) individuals with disabilities and others with access and functional needs; (5) reunification; (6) pets, service animals, and assistance animals; (7) mass evacuees; (8) Transitional Sheltering Assistance (TSA); (9) Operation Blue Roof programs; and (10) the National Mass Care Exercise.

FEMA, IAPPG, p. 6.

The governor or tribal chief executive's request must document that the "situation is of such severity and magnitude that effective response is beyond the capabilities of the State and affected local governments" and that supplemental federal assistance is necessary (44 C.F.R. §§206.35 and 206.36). To justify a declaration of emergency, supplemental federal assistance must be needed to "save lives and to protect property, public health and safety, or to lessen or avert the threat of a disaster" (44 C.F.R. §206.35). To justify a declaration of major disaster, federal assistance must be needed to "supplement the efforts and available resources of the State, local governments, disaster relief organizations, and compensation by insurance for disaster-related losses" (44 C.F.R. §206.36).

44 C.F.R. §§206.35-206.38, and 206.40(a); and FEMA, "How a Disaster Gets Declared."

An incident is defined as "[a]ny condition which meets the definition of major disaster or emergency as set forth in §206.2 which causes damage or hardship that may result in a Presidential declaration of a major disaster or an emergency" (44 C.F.R. §206.32(e)).

42 U.S.C. §§5191 and 5170; 44 C.F.R. §§206.35, 206.36, 206.38, and 206.40(a); and FEMA, "How a Disaster Gets Declared." It is possible for the President to unilaterally declare an emergency under Stafford Act Section 501(b) when the federal government has "exclusive or preeminent responsibility and authority."

44 C.F.R. §§206.35 and 206.36.

For a list and description of information requirements to accompany a governor or tribal chief executive's request for an emergency declaration and a major disaster declaration, see 44 C.F.R. §206.35 and 44 C.F.R. §206.36, respectively.

44 C.F.R. §206.48(b); and FEMA, Tribal Declarations Pilot Guidance, pp. 36-38.

FEMA, Preliminary Damage Assessment Guide, August 2021, p. 1, https://www.fema.gov/sites/default/files/documents/fema_2021-pda-guide.pdf (hereinafter FEMA, Preliminary Damage Assessment Guide); FEMA's Preliminary Damage Assessment Guide, June 2024 (Draft 1.1), https://www.fema.gov/sites/default/files/documents/fema_pad-pda-guide_operational-draft_v1.1.pdf (in effect for events with incident periods starting on July 22, 2024, and after) (hereinafter FEMA, Preliminary Damage Assessment Guide Draft 1.1).

44 C.F.R. §206.37(c).

Per FEMA's regulation at 44 C.F.R. §206.48(b), "State fiscal capacity (44 CFR 206.48(b)(1)(i)) and uninsured home and personal property losses (44 C.F.R. 206.48(b)(2)) are the principal factors that FEMA will consider when evaluating the need for supplemental Federal assistance under the Individuals and Households Program but FEMA will always consider all relevant information submitted as part of a declaration request. If the need for supplemental Federal assistance under the Individuals and Households Program is not clear from the evaluation of the principal factors, FEMA will turn to the other factors to determine the level of need...."; and FEMA, Tribal Declarations Pilot Guidance, p. 34; FEMA, Tribal Declarations Interim Guidance, p. 68.

DHS/FEMA, "Factors Considered When Evaluating a Governor's Request for Individual Assistance for a Major Disaster," 84 Federal Register 10632-10664, March 21, 2019, https://www.govinfo.gov/content/pkg/FR-2019-03-21/pdf/2019-05388.pdf (hereinafter DHS/FEMA, "Factors Considered When Evaluating a Request for IA"); 44 C.F.R. §206.48(b).

FEMA, Individual Assistance Declarations Factors Guidance, June 2019, https://www.regulations.gov/document/FEMA-2014-0005-0071.

According to FEMA, the same IA factors would be considered in the event a state or territory requests IHP assistance pursuant to an emergency declaration, and the Individual Assistance Declarations Factors Guidance would be useful in evaluating the need for IHP assistance. As described by FEMA, "[w]hile FEMA's regulations in 44 CFR 206.48 only expressly apply to requests for major disasters, in the event that a state did request IHP under an emergency declaration, the factors outlined in that provision would still be relevant to [assessing] whether the event was beyond state and local capabilities as it related to [the] IHP. Likewise, the Individual Assistance Declarations Factors Guidance (June 2019) would be relevant, in particular the discussion of the Principal Factors for evaluating the need for IHP [italics added]." FEMA also noted that IHP authorization pursuant to an emergency declaration is "extremely rare" and stated that the agency would encourage a state that is considering requesting an emergency declaration authorizing IA—IHP to instead consider requesting a major disaster declaration, "unless the event was a type that did not meet the major disaster definition," because "[e]vents that have a significant enough impact on individuals and households to warrant IHP are likely to have the need for other types of Individual Assistance...." (email correspondence from FEMA Congressional Affairs staff, November 27, 2019).

DHS/FEMA, "Factors Considered When Evaluating a Request for IA," 84 Federal Register 10633; and 44 C.F.R. §206.48(b).

Section 1110 of the Sandy Recovery Improvement Act of 2013 (SRIA, Division B of P.L. 113-2) amended the Stafford Act to allow tribal chief executives to request an emergency or major disaster declaration (alternatively, the tribe may receive assistance through the state's declaration).

According to FEMA's website "Tribal Declarations Pilot Guidance," available at https://www.fema.gov/disasters/tribal-declarations, the period when Indian tribal governments could use the state/territory regulations ran from January 29, 2013, when SRIA was enacted, through January 9, 2017, when FEMA released its Tribal Declarations Pilot Guidance on January 10, 2017.

FEMA, Tribal Declarations Pilot Guidance. FEMA had stated that it would develop regulations informed by the pilot when the pilot period concluded—though no specific time was set (FEMA, Tribal Declarations Pilot Guidance, p. 3; and FEMA, "Tribal Declarations Pilot Guidance," https://www.fema.gov/disasters/tribal-declarations).

FEMA, Tribal Declarations Pilot Guidance, p. 34. "Appendix D; Tribal-Specific Considerations" of FEMA's Preliminary Damage Assessment Guide includes useful resources and unique considerations for Indian tribal governments during the Preliminary Damage Assessment process.

According to FEMA, the need to update the Tribal Declaration Factors was identified as a component of its 2022-2026 FEMA National Tribal Strategy, available at https://www.fema.gov/about/organization/tribes/strategy. In December 2024, after working in 2023 to conduct consultations and listening sessions with Tribal Nations, FEMA released updated guidance for tribal declarations occurring on or after December 3, 2024 (FEMA, Tribal Declarations Interim Guidance, FP 104-009025-001, December 2024, https://www.fema.gov/sites/default/files/documents/fema_tribal-declarations-interim-guidance_2024.pdf [hereinafter FEMA, Tribal Declarations Interim Guidance]). The previous guidance applies to declarations occurring prior to December 3, 2024 (FEMA, Tribal Declarations Pilot Guidance).

FEMA, "FEMA External Affairs Guidance: Fact Sheet on the Updated Tribal Declarations Interim Guidance," December 2024, p. 1, https://www.fema.gov/sites/default/files/documents/fema_tribal_fact-sheet-tribal-declarations-interim-guidance.pdf (hereinafter FEMA, "Fact Sheet on the Updated Tribal Declarations Guidance").

FEMA, "Fact Sheet on the Updated Tribal Declarations Guidance," p. 1; FEMA, Tribal Declarations Interim Guidance, pp. 71-72; FEMA, "Summary of Changes: FEMA Tribal Declarations Interim Guidance," December 2024, p. 4, https://www.fema.gov/sites/default/files/documents/fema_tribal_detailed-summary-changes-tribal-declarations-interim-guidance.pdf.

FEMA, Tribal Declarations Interim Guidance, pp. 71-72.