Individual & Households Program

The Individuals and Households Program through FEMA provides assistance to individuals affected by a disaster to enable them to address necessary expenses and serious needs, which cannot be met through other forms of disaster assistance or insurance. Forms of housing assistance include temporary housing, repair, replacement, and semi-permanent/permanent housing construction.

Am I eligible?
You must meet all of the below requirements to receive funding as a result of a disaster.

• You have loss in a North Dakota county or reservation that has Presidential Disaster Declaration with Individual Assistance.
  Check if your county or reservation has a disaster declaration.
• You have no insurance, or have filed for insurance benefits and the damage to your property is not covered by your insurance, or your insurance settlement is insufficient to meet your losses.
• You or someone who lives with you is a citizen of the United States, a non-citizen national, or a qualified alien.
• The home in the disaster area is where you usually live and where you were living at the time of the disaster.
• You are not able to live in your home now, you cannot get to your home due to the disaster, or your home requires repairs because of damage from the disaster.

What types of expenses are covered?
The program covers expenses for the following:

• Housing Needs
• Other Than Housing Needs
• Additional Services

View a description of what each of the above listed includes.

How do I apply?
Online: Fill out the questionnaire at DisasterAssistance.gov to register with FEMA. The online application process will take about 30-35 minutes.

In-Person: Visit a Disaster Recovery Center help. Find a Disaster Recovery Center near you.

Phone: 1-800-621-3362

For people with speech or hearing disabilities, call TTY: 1-800-462-7585

What information should I have with me when applying?

• Your Social Security number.
• Current and pre-disaster address.
• A telephone number where you can be contacted.
• Insurance information – names of all providers.
• Total household annual income – including interest and dividend income. Your last year’s tax return is a good source for this information.
• A routing and account number from your bank (only necessary if you want to have disaster assistance funds transferred directly into your bank account).
• A description of your losses that were caused by the disaster.
• A pen and paper. After you’ve completed your application for assistance, you will receive a FEMA application number. Write down this number and keep it for future reference.

What happens after I submit my application?
A FEMA inspector should contact you within 10 days of your application to set up an appointment. You should bring the following with to your appointment:

• Your identification, a driver’s license, ID card, or military ID.
• Proof of ownership and occupancy for your home, proof of homeowners insurance, mortgage or deed, or a bill for utilities or other services at the home in your name.

After the appointment, you’ll receive a letter within 10 days informing you if you are indeed eligible for FEMA assistance.