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Financial Assistance Within Designated Natural Disaster Areas

Following an event like an earthquake, flood, or tornado, the president may declare an area a natural disaster and allow individual assistance for those affected. Learn how you can qualify for disaster help with food, bills, unemployment, tax relief, and more.

for your area, you may qualify for . 

Learn About D-SNAP 

Đang chơi bàiThe Disaster Supplemental Nutrition Assistance Program is also known as food stamps for disaster situations. D-SNAP provides one month’s worth of benefits on a debit-type card that you can use at most grocery stores.

  • Once your state sets up a D-SNAP program, you’ll have about a week to apply.

  • Đang chơi bàiIf you qualify, you’ll receive benefits within three days.

Find Out If You Qualify for D-Snap

You must live where:

  • The president has for the disaster area
  • The U.S. Department of Agriculture's Food and Nutrition Service (USDA FNS) has approved states to operate D-SNAP in a disaster area
  • Your state has requested and received FNS approval to operate D-SNAP

You may qualify for D-SNAP even if you wouldn't normally qualify for regular SNAPĐang chơi bài (food stamps) because:

  • You may be out of work due to the disaster

  • Đang chơi bàiYou may be facing costly home repairs

Đang chơi bàiIf you already receive SNAP, you can apply for D-SNAP if the amount you’d receive is more than you get under SNAP.

As a separate benefit, you may be able to get for your children or your entire family. This is provided through the school meals programs.

Apply for D-SNAP

Đang chơi bàiContact to apply for D-SNAP or to find the location of special application sites throughout the affected disaster area. 

Đang chơi bài . 

  • Đang chơi bàiYou can also use the .

  • Complete the .

  • Đang chơi bàiVisit FEMA's page.

  • Call FEMA at 1-800-621-3362 (TTY: 1-800-462-7585Đang chơi bài) for disaster assistance.

  • Đang chơi bàiTo get help in person, find a Disaster Recovery Center near you with the . 

  • Apply for a Disaster Recovery Loan

    The Small Business Administration provides low-interest loans. These loans can help homeowners and small businesses recover from declared disasters. .

    Get Tax Relief After a Disaster

    Đang chơi bàiFind out if you qualify as an individual or as a business owner for .

    Complain About Disaster Relief Assistance

    Learn where to file a complaint about your disaster relief experience or report disaster relief fraud

    Đang chơi bài web page to:

    • See if you’re eligible for assistance

    • Đang chơi bàiView the benefits you may receive

    • Get information on how to file a claim

    Đang chơi bàiThe Department of Labor (DOL) provides . This includes:

    • Đang chơi bàiKeeping workers safe during cleanup and recovery efforts

    • Đang chơi bàiEnsuring workers get paid properly

    For more information, call 1-866-4-USA-DOL (1-866-487-2365).

    Get Emergency Help with Utility Bills

    Đang chơi bàiIf you can’t afford to heat or cool your home after a disaster, you may qualify for emergency help with energy bills. 

    Where can I get help with my energy bills?

    The Low Income Home Energy Assistance Program (LIHEAP) may be able to provide so you can:

    • Đang chơi bàiPay to reconnect utilities

    • Pay utility bills

    • Đang chơi bàiRepair or replace your furnace and air conditioners

    • Đang chơi bàiRepair home insulation

    • Buy coats and blankets

    • Buy fans and generators

    How can I apply for assistance with energy bills?

    To get help:

    • Đang chơi bàiYou must meet your eligibility requirements.

    • Your state must have funds available.

    Đang chơi bài. But local social services agencies or charitable organizations may offer short-term help. Visit online or call 211 to find local agencies that may be able to help.

    Đang chơi bài , you may be asked by the government to also . You don't have to be a small business owner to qualify. Completing the SBA loan application is an important step in finding out what aid may be available to you.

    As a homeowner you may borrow up to $200,000 to repair or replace your primary residence and up to $40,000 to repair or replace personal property. You are not required to accept the loan to receive FEMA assistance, but it may enable you to be considered for different types of assistance. 

    After You Apply

    An inspector will contact you to schedule a visit.

    Đang chơi bàiBe ready to:

    • Keep your scheduled appointment. Appointments take 30-40 minutes, and you must be present.
    • Contact your insurance agent if you have insurance
    • Prove your identity
    • Show these documents:
      • Photo ID: driver's license or passport
      • Proof of occupancy: lease or utility bill
      • Proof of ownership: deed, title, mortgage payment book, or tax receipts

    During the Inspector's Visit

    Inspectors will:

    • Wear official FEMA ID badges
    • Confirm your disaster registration number
    • Review structural and personal property damage
    • Ask you to sign official documentation
    • Verify ownership and occupancy

    Inspectors won't:

    • Determine eligibility
    • Charge any money
    • Ask for credit card information
    • Take the place of an insurance inspection

    After the Inspector's Visit

    You will be sent a decision letter.

    If you are approved for aid:

    • You'll receive a check or an electronic funds transfer.
    • You'll get a follow-up letter explaining how the funds can be used.

    If you have questions about the letter, you can visit a  or call 800-621-3362 (711/Video Relay Service). For TTY, call 800-462-7585.

    program helps homeowners recover by making it easier to get a mortgage. The program is also known as Section 203(h). It’s offered by the Federal Housing Administration (FHA).

    Find More Information on the No Down Payment Program

    Đang chơi bài to individuals and businesses hurt by a major disaster or emergency.  

    Get Your Tax Refund Faster After a Disaster

    In a , you can get a faster refund by filing an . You will need to claim the disaster-related losses on your tax return for the previous year.

    Đang chơi bàiGet guidance from the IRS on or . 

    Tax Relief for Recent Disasters

    Get a list of the .

    File a Complaint About Disaster Relief Assistance

    Several U.S. government programs help people after a disaster or emergency. If you want to file a complaint about a specific program, contact the agencyĐang chơi bài that manages it.

    File a Complaint About FEMA Operations and Employees

    if you have a complaint about its work or employees during or after a disaster. 

    Report Disaster Relief Fraud

    Scammers and identity thieves often target people affected by a disaster. Most scams involve some aspect of applying for disaster assistance and can include:

    • Fraud, waste, abuse, or allegations of mismanagement involving disaster relief operations

    • Đang chơi bàiFraud committed by an individual or entity outside the U.S. 

    • Đang chơi bàiSomeone filing a false damage claim



    Get More Help If You Can't Resolve an Issue With a Government Agency

    If you're unable to resolve an issue with a federal agency, . To file a complaint against a state or territory government agency, contact the agency directly.

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    Last Updated: September 9, 2020