FEMA Individuals and Households Program (IHP)
FEMA’s Individuals and Households Program (IHP) provides financial and direct services to eligible individuals and households affected by a disaster who have uninsured or underinsured necessary expenses and serious needs. IHP is not a substitute for insurance and cannot compensate for all losses caused by a disaster; it is intended to meet the survivor’s basic needs and supplement disaster recovery efforts.
These general conditions must be met for an applicant to be eligible to receive IHP Assistance:
- The applicant must be a U.S. citizen, non-citizen national, or qualified alien.
- FEMA must be able to verify the applicant's identity.
- The applicant’s insurance, or other forms of disaster assistance received, cannot meet their disaster-caused needs.
- The applicant’s necessary expenses and serious needs are a direct result of a declared disaster.
IHP Housing Assistance
FEMA determines the appropriate types of Housing Assistance for which an individual or household may be eligible based on disaster-caused loss, access to life-sustaining services, cost-effectiveness, and other factors. Individuals and households may receive more than one type of Housing Assistance, including a combination of financial assistance and direct services for disaster damage to a disaster survivor’s primary residence.
IHP Other Needs Assistance
Individuals and households may receive financial assistance for other disaster-caused expenses and serious needs. Eligibility for some types of Other Needs Assistance are dependent on eligibility with the U.S. Small Business Administration’s (SBA) disaster loan program. The SBA provides low-interest, long-term loans to help individuals and households with personal property, transportation, and expenses for moving and storage incurred due to a declared disaster. FEMA IHP Other Needs Assistance is divided into two categories that are either dependent or non-dependent on the individual’s or household’s ability to qualify for a SBA disaster loan.