FEMA Individuals and Households Program (IHP)

About This Program

FEMA's Individuals and Households Program provides grants to homeowners and renters in presidentially declared disaster areas to repair or replace disaster-damaged primary residences. Housing assistance covers structural repairs, utility systems, and critical safety hazards. Grants do not need to be repaid and are available to all income levels, though amounts may be means-tested.

Only available after a federal disaster declaration. FY2025 max: $43,900 for housing assistance. Apply at disasterassistance.gov within 60 days.

Key Details

• Available only after a presidential disaster declaration
• Up to $43,900 for housing repair (FY2025 cap) — no repayment
• Covers structural damage, essential utilities, safety hazards
• Apply at disasterassistance.gov within 60 days of declaration
• FEMA helpline: 1-800-621-3362 (available 24/7 after declaration)

How to Apply

Deadline: Apply within 60 days of presidential disaster declaration