Diane Rothe-Smith, Program Manager, Individual Assistance and Disaster Housing and Chris Smith, Director, Individual Assistance and Disaster Housing
In the intricate world of federal disaster policy, changes are often like small tremors in FEMA’s Recovery programs. However, the proposed updates to FEMA’s Individual Assistance program signal a monumental tectonic shift in favor of disaster survivors in the United States. As we await the official details in the Federal Register, set to be unveiled next week, let’s delve into these transformative changes and explore their profound impact on survivors.
Connecting Real Stories to Policy Changes: Every disaster tells a story, and behind every policy change, there’s a real person’s name. FEMA’s journey toward these changes has been fueled by feedback from survivors, communities, advocacy groups, and staff. The evolution of these changes over the past few years is not just noteworthy; it’s genuinely exciting to witness.
Empowering Survivors: At the core of these changes is a commitment to helping survivors access crucial funds promptly, expanding home repair options, including more eligible survivors, and simplifying application processes. These adjustments aim to stabilize communities, empower residents, and foster a more efficient and resilient recovery.
Key Changes Unveiled:
- Serious Needs Assistance:
- This replaces Critical Needs Assistance and offers an immediate $750 for eligible applicants dealing with evacuation, sheltering, and basic needs to survivors.
- Displacement Assistance:
- A game-changer! Provides survivors with up-front funds to assist with immediate housing options. Greater flexibility for households deciding where to stay temporarily. By preventing disqualification for future housing funds, it eases the burden on survivors navigating the challenging post-disaster period.
- Removing SBA Loan Application Requirements:
- The most impactful change! Eliminating the need for survivors to apply for a Small Business Administration (SBA) loan before receiving certain types of financial assistance from FEMA. A significant step in simplifying a previously confusing process.
- Helping Under-Insured Survivors:
- FEMA stepping in with financial assistance up to $42,500 to cover costs not reimbursed by insurance, addressing the overlooked issue of underinsured homeowners. For many homeowners, this change may help them make the necessary repairs, stay in their communities, and streamline their recovery.
- Assistance for Entrepreneurs:
- Self-employed individuals no longer need to apply to SBA for initial support to replace immediate need in order to get their business back open. FEMA may provide some initial funds up to $42,500. SBA will continue to support additional federal support.
- Expanding Habitability Criteria:
- A fundamental shift in FEMA’s thinking, covering pre-existing issues like leaky roofs or broken windows. Increased flexibility in acceptable documentation aims to make it easier for survivors across the country to prove ownership and occupancy.
- Increased opportunity to provide additional funding for mitigation measures. It will be interesting to see what else will be covered by these proposed changes to mitigate against future damages.
- Making Accessibility Improvements:
- FEMA will provide funding for survivors with disabilities to make accessibility improvements to their home beyond what existed prior to the disaster.
- Application Process Improvements:
- Removing Barriers for Late Applicants: No documentation required to support a late application.
- Streamlining Temporary Housing Assistance: Less documentation required. Individual caseworkers provided by FEMA to support the entire recovery process and provide greater transparency.
- Simplified Appeals Process: A positive change removing the requirement for a signed appeal letter, only necessitating documentation for reconsideration. A step forward in eliminating barriers for disaster survivors.
These significant changes in Federal Disaster Recovery are the culmination of FEMA’s efforts and a testament to their commitment to understanding and addressing the challenges faced by survivors.
As the details are officially shared in the Federal Register next week, with a 180-day comment period, make sure to lift your voice to support these important changes for disaster survivors. You can review the unpublished notice in the Federal Register here.
FEMA expects the changes to take effect for new disasters declared in late March 2024.
As these changes unfold, IEM’s team of recovery experts stands ready to provide consultancy services, supporting entities in implementing disaster assistance effectively. Together, we embark on a new era in federal disaster assistance, one that prioritizes empowerment, efficiency, innovation, and resilience for all.