First: A Disaster Declaration Is Required
FEMA help for individuals starts only after a federal disaster declaration covers your parish. Check for one at fema.gov/disaster/declarations. Read this page now so you are ready to apply fast. Keep every receipt from day one.
Four Ways to Apply
Per FEMA, you can apply any of these ways:
- Online:DisasterAssistance.gov. FEMA says this is the fastest way.
- FEMA app: apply on your phone and track your case.
- Phone:1-800-621-3362. Relay users can give their relay number. Deaf or hard-of-hearing callers: TTY 1-800-462-7585. Press 2 for Spanish.
- In person: go to a Disaster Recovery Center. Find one at fema.gov/drc, or text DRC and your ZIP code to 43362.
What to Have Ready
FEMA asks for these items (source: fema.gov):
- Social Security number for the applicant
- Address of the damaged home
- A short account of the damage
- Your insurance facts, if you have any
- A phone number where FEMA can reach you
- Mailing address and email
- Household income
- Bank account and routing numbers for direct deposit
What FEMA Can Pay For
FEMA grants do not have to be paid back. They cover basic, urgent needs tied to the disaster. That can mean food, water, and medicine. It can mean a place to stay if your home is not livable. It can mean home repairs, rent help, or replacing ruined personal goods. FEMA money is not taxed. It does not affect Social Security or Medicaid.
Key Rules
- Apply even with insurance. FEMA cannot pay for what insurance covers. But if you are underinsured, you may get help after your claim settles. File your claim first — see the Louisiana claim guide.
- One sign-up per household. Only one person per home needs to apply.
- Save your FEMA number. You will need it each time you call FEMA.
- Renters can apply too. Renters may get rent help and help replacing personal goods.
- SBA loans are separate. The Small Business Administration makes low-cost disaster loans to owners and renters at sba.gov (1-800-659-2955). Applying is free. You do not have to take the loan.