Government funding and support for individuals and households

Family sitting at a brown table coloring with markers

About government funding and support for individuals and households 

There are Federal and State programs that offer funding to assist with disaster recovery for individuals and households. Each program has its own application and approval process. It is important to make sure that frontline communities have access to these resources. 

From the Federal government 

Federal Emergency Management Agency (FEMA)’s Individual Assistance 

Small Business Administration (SBA)’s Disaster loans 

  • Who: Businesses, private nonprofit organizations, homeowners, and renters located in Presidentially Declared Disaster Areas. SBA also has its own authority to declare disasters in areas that can meet a lower threshold in circumstances where at least 25 businesses or homes have uninsured losses of at least 40 percent based on their pre-disaster fair market value within a county or jurisdiction. Applicants must be U.S. citizens, non-citizen nationals, or qualified aliens. 

  • What: Low-interest loans to help businesses, homeowners, renters recover. Here’s a breakdown of assistance types. 

Department of Agriculture’s Disaster assistance and loan programs 

Fannie Mae’s disaster counseling 

  • Fannie Mae is a government-sponsored enterprise (GSE) chartered by the U.S. Congress in 1938 to provide a reliable source of affordable mortgage financing across the country. The federal government created GSEs to help stabilize the financial market. Fannie Mae offers disaster counseling for homeowners and renters.  

Federal Housing Administration (FHA) 

  • The FHA is part of the Department of Housing and Urban Development and provides mortgage insurance on loans made by FHA-approved lenders. If you have an FHA-insured mortgage, you might be eligible for relief

There are many other potential sources of Federal funding that might be available to you. This Find Assistance Tool on may help you narrow down options that you’re eligible for after a Presidentially Declared Disaster. 

From and in the State of California 

Actions to take for community-based organizations, local government, and philanthropy 

  • Be persistent with the bureaucracy of government disaster aid.  Receiving the support you need and deserve can take time and a lot of paperwork.  Try to stay as organized as possible during this time, document everything, save copies, and seek help from your network and community support if you are having trouble with the process.   

  • For community-based organizations, government, and philanthropy: consider creating or funding services to help disaster survivors apply for aid and navigate the complex bureaucracy, especially for frontline communities.  

  • Share information about ways to get funding and support with your networks and with community members.  

  • Advocate for changes to these programs to better serve frontline communities. Call your representatives about the challenges that come up in your communities. 

  • Work together to set up mutual aid systems throughout communities to fill in the gaps left by these programs.