INSIGHTi
Updates to FEMA’s Individuals and
Households Program Made by the “Individual
Assistance Program Equity” Rulemaking
Updated March 19, 2024
On January 22, 2024, the Federal Emergency Management Agency (FEMA) published an interim final
rule (IFR) amending its regulations governing the Individual Assistance (IA) program—specifically the
Individuals and Households Program (IHP). The rule goes into effect on March 22, 2024, for emergencies
and major disasters declared on or after that date.
According to FEMA, the amended regulations seek to “increase equity by simplifying processes,
removing barriers to entry, and increasing eligibility for certain types of assistance under the program.”
Background
Individuals and Households Program
When a disaster occurs, FEMA may provide assistance to eligible disaster survivors through the IA
program pursuant to a presidential declaration of emergency or major disaster under the Robert T.
Stafford Disaster Relief and Emergency Assistance Act (Stafford Act; P.L. 93-288, as amended; 42 U.S.C.
§§5121 et seq.). One form of IA is the IHP, through which FEMA may provide financial and/or direct
assistance for housing, as well as financial assistance for other needs (referred to as other needs assistance
or ONA). The IHP is authorized under Stafford Act Section 408 (42 U.S.C. §5174), and FEMA’s IHP
regulations are codified at 44 C.F.R. Part 206, Subpart D.
Interim Final Rule
FEMA is amending its regulations through an IFR. Although the Administrative Procedure Act (APA)
governs the process federal agencies follow to develop and issue regulations—a process that typically
involves a notice and comment period before the final rule goes into effect—FEMA’s IFR explains that
“this rule is exempt from the APA’s notice and comment requirement” because it falls within the APA’s
Congressional Research Service
https://crsreports.congress.gov
IN12333
CRS INSIGHT
Prepared for Members and
Committees of Congress
Congressional Research Service
2
exemption for rules related to grants. Still, FEMA is seeking public comment on this rule until July 22,
2024, and FEMA may make further changes to its IHP regulations (FEMA’s general policy is to provide
60 days for public comment, including on matters related to grants. FEMA is providing six months in this
case).
IHP Changes
The amended IA regulations seek to address long-standing concerns expressed by some Members of
Congress, stakeholders including disaster survivors, and federal agencies (comments to this effect and
FEMA’s responses are detailed throughout the IFR). For example, some Members of Congress,
stakeholders, and the Government Accountability Office found the process to receive Small Business
Administration (SBA)-Dependent ONA unnecessarily confusing and onerous; the IFR has simplified this
process.
The amended regulations change the IHP application process and the process by which individuals are
considered for assistance. Selected examples include:
• Simplifying ONA by removing the previous requirement that IHP applicants who meet
the SBA’s minimum income requirements first apply for an SBA disaster loan, and either
be denied or receive a partial loan, before they could be considered for FEMA’s SBA-
Dependent ONA, which included assistance for personal property, transportation, and
Group Flood Insurance Policies (GFIPs). The new process allows IHP applicants to
receive the IHP assistance they apply and are eligible for, including all forms of ONA,
without first having to apply for an SBA disaster loan. (IHP applicants may still choose to
apply for an SBA disaster loan if they require additional funding to address their unmet
real or personal property needs.)
• Removing Supporting Documentation Requirements for Late Applications so
applications submitted after the initial 60-day registration period are no longer required to
include suitable documentation to support and justify the late submission; instead,
applicants must simply explain the reason for the delay. FEMA will also accept additional
reasons justifying a late submission.
• Simplifying the Appeals Process so applicants are no longer required to submit a written
and signed appeal letter with their supporting documentation in order for their appeal to
be processed.
• Reduce Documentation Requirements for Continued Temporary Housing Assistance
Applicants to eliminate the requirement that they provide their pre-disaster rent or
income, and allow more reasonable timeframes for establishing their permanent housing
plan.
The amended regulations establish new forms of ONA and expand eligibility for some forms of
assistance. Selected examples include:
• Establishing Serious Needs Assistance as a form of ONA to quickly provide $750 to
eligible applicants in a designated disaster area 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.”
• Establishing Displacement Assistance as a form of ONA to provide up-front financial
assistance to eligible applicants when their pre-disaster primary residence is
Congressional Research Service
3
uninhabitable or inaccessible, so they can immediately obtain short-term
accommodations while they work to secure temporary housing (e.g., FEMA Rental
Assistance).
• Helping Underinsured Disaster Survivors receive assistance to address their uninsured
or underinsured disaster-caused necessary expenses and serious needs (up to the
maximum amount of financial assistance) even when their net insurance proceeds are
equal to or greater than the maximum amount of financial assistance.
• Allowing Self-Employed Individuals to Receive Personal Property Assistance for
disaster-damaged essential tools and equipment, and required items for the
trade/profession.
• Allowing Home Repairs for a Mix of Disaster-Caused and Pre-Existing Damage,
enabling disaster survivors to repair their homes to a “safe and sanitary living or
functioning condition,” consistent with the statute, by removing the regulatory limitations
associated with pre-existing damage.
• Expanding Home Repair Assistance for Accessibility-Related Items to allow
individuals with pre-existing or disaster-caused disabilities to install or construct new
real-property components that are necessary to meet their accessibility-related needs—
even if such items were not present in the home prior to the disaster.
The IFR includes the complete list of changes.
FEMA stated that it anticipates the rule’s effects will include expediting the provision of disaster
assistance, making more people eligible for assistance, and aligning its regulations with its statutory
authorities.
Resources
• DHS/FEMA, “Individual Assistance Program Equity,” 89 Federal Register 3990-4125,
January 22, 2024.
• The Regulations.gov Rulemaking Docket for the IFR includes supporting materials, the
Unified Agenda, and submitted comments.
• FEMA’s one-pager provides the highlights related to the IFR updates.
• FEMA’s press release describes the IFR changes in more detail.
Author Information
Elizabeth M. Webster
Specialist in Emergency Management and Disaster
Recovery
Disclaimer
Congressional Research Service
4
This document was prepared by the Congressional Research Service (CRS). CRS serves as nonpartisan shared staff
to congressional committees and Members of Congress. It operates solely at the behest of and under the direction of
Congress. Information in a CRS Report should not be relied upon for purposes other than public understanding of
information that has been provided by CRS to Members of Congress in connection with CRS’s institutional role.
CRS Reports, as a work of the United States Government, are not subject to copyright protection in the United
States. Any CRS Report may be reproduced and distributed in its entirety without permission from CRS. However,
as a CRS Report may include copyrighted images or material from a third party, you may need to obtain the
permission of the copyright holder if you wish to copy or otherwise use copyrighted material.
IN12333 · VERSION 2 · UPDATED