FEMA Frequently Asked Questions (FAQS)
Release Date: July 24, 2008
Release Number: 1763-113
» More Information on Iowa Severe Storms, Tornadoes, and Flooding
How do I register for assistance?
An applicant can register for disaster in one of two ways: (1) call the FEMA Helpline at (800) 621-FEMA (3362) (for the speech- or hearing-impaired, (800) 462-7585), currently open seven days a week from 6 a.m. to 11 p.m.; or (2) go on-line anytime at www.fema.gov. If you have no access to a phone or computer, go to any Iowa disaster recovery center (DRC) and register there.
Can I apply even if I have insurance?
Yes - homeowners' and/or flood insurance may not cover all of your needs, so it is always advisable to register with FEMA, regardless of your insurance situation.
I am a renter. Can FEMA help me?
Yes. If the place you are renting has been made unlivable due to a disaster, FEMA may provide funds to rent another place. Other benefits may also be available.
What can I expect once I register?
Within a few days of registration, someone from FEMA will contact you and arrange for a home inspector to come to your house. The appointment usually takes place two to four days after the phone call, depending on the severity of the disaster. After the home inspection is done, you will work with FEMA representatives to get any necessary paperwork submitted so that the grant funds can be sent to you.
How long does it take to get money from FEMA?
The process varies by individuals and depends on many factors. Once FEMA determines you are eligible, it usually takes only two to three days to receive your funds. FEMA can deposit the funds automatically into your bank account, or simply mail you a check.
I lost my job as a result of the disaster. Can FEMA help me?
Disaster Unemployment Assistance is now available to affected citizens in the 63 Iowa counties designated eligible for Individual Assistance in the 2008 disaster. Residents have until Aug. 12, 2008, to file a claim for this type of assistance (except for newly-declared Montgomery County, which has until Aug. 20). More details about the program are available at any Iowa Workforce Development, or by visiting them online at www.iowaworkforce.org.
Does FEMA money have to be repaid, and does it affect my Social Security benefits?
FEMA is a grant program, so the funds do not have to be repaid or declared as income. In addition, the funds will not interfere with any Social Security benefits.
I applied to FEMA, and the money I received did not meet my expectations. Could I apply for additional funds?
FEMA cannot make you whole after a disaster; we merely assist in getting you back on your feet, by providing for a variety of temporary needs and some permanent repairs. If you are affected by a disaster, it is recommended you work with your insurance company, FEMA, SBA and the voluntary agencies available in your area in order to develop a comprehensive disaster assistance plan.
Why should I apply with the Small Business Administration? Aren't they for business owners only?
No. The SBA is here to assist businesses, homeowners and renters. They can provide low-interest disaster loans with very flexible terms to many people affected by a disaster.
Why should I apply for a loan when there are grants available that don't have to be repaid?
The initial FEMA grant is limited and based on your damage. If you need more money to get back to your pre-disaster condition, an SBA loan may be your best resource. Applying for the loan allows you to find out what is available. Also, you must fill out the application in order for some other benefits to be made available.
What if I apply for an SBA loan, then later decide I do not want it?
You are not required to accept an SBA loan. If you are offered a loan and do not want or need it, you can simply turn it down.
If my home is damaged during a disaster, can I get a mobile home from FEMA?
Mobile homes are only used as a last resort, when there are no other housing resources available. However, any disaster victim who cannot find a suitable place to live is encouraged to call. Interested citizens must be registered with FEMA before applying for a mobile home. For more information, contact the Iowa Disaster Temporary Housing Hotline at (866) 274-4392.
I'm a farmer. Can FEMA help me?
FEMA assists farmers much as it does individuals or families, with their homes, wells and septic systems, and perhaps driveways. The SBA may also be able to help if farmers had nonfarm businesses that were affected, such as welding or a produce stand. Farmers should contact their local extension agent for ag-related help. If they lost income because of the disaster, they may be able to get disaster unemployment benefits, which includes farmers and the self-employed. Contact your local Iowa Workforce Development center, or go online at www.iowaworkforce.org.
What if I have additional questions for FEMA?
Simply call the Helpline at (800) 621-FEMA (3362), TTY (800) 462-7585, or visit them on-line at www.fema.gov.
FEMA coordinates the federal government's role in preparing for, preventing, mitigating the effects of, responding to, and recovering from all domestic disasters, whether natural or man-made, including acts of terror.
Last Modified: Friday, 25-Jul-2008 15:16:26