...in providing assistance by offering low- interest disaster loans to homeowners and renters for restoring or replacing disaster- damaged, uninsured real and personal property. The SBA can loan money for several items not covered under IHP.
The SBA offers both home and personal property disaster loans and business physical and economic injury disaster loans. Items such as secondary homes, personal pleasure boats, airplanes, recreational vehicles and similar property are not eligible for SBA loans unless these items were used for business purposes. (Source: FEMA)
Many people find themselves suddenly unemployed following a disaster. Disaster Unemployment Assistance (DUA) funds are provided to applicants who have lost their jobs as a direct result of the disaster and are not eligible for regular unemployment benefits. Examples of those who might be eligible for DUA funds are self-employed persons, farm and ranch owners, and farm workers. DUA coverage also extends to individuals who became the head of a household as a direct result of the disaster- related death of the previous head of household.
DUA is 100 percent funded by FEMA through the U.S. Department of Labor and is administered by the state’s employment agency. (Source: FEMA)
The Crisis Counseling Assistance and Training Program (CCP) was designed to assist individuals and communities in recovering from the effects of disasters through community-based outreach and educational services. Funds are provided to a state to pay its mental health providers to offer counseling services to disaster survivors.
Funding for crisis counseling is available to states through two grant mechanisms: (1) the Immediate Services Program (ISP), which provides funds for up to 60 days of services immediately following a disaster declaration; and (2) the Regular Services Program (RSP), which provides funds for up to nine months of services following a disaster declaration. FEMA has designated the Substance Abuse and Mental Health Services Administration (SAMHSA) as the authority responsible for monitoring all RSP programs.
People often make it through a disaster only to be faced with other struggles, such as landlords who refuse to make repairs to their homes or waive their leases even though the homes are uninhabitable. In such instances applicants seek relief through Disaster Legal Services (DLS). DLS, through an agreement with the Young Lawyers Division of the American Bar Association, provides free legal help for low-income disaster survivors that can be accessed through a toll-free Legal Hotline and/or at Disaster Recovery Centers. (Source: FEMA)
Under FEMA’s Public Assistance (PA) Program, state, tribal and local governments and certain types of private nonprofit organizations (all sub-recipients)...