When the President declares a disaster and authorizes providing Individual Assistance, FEMA's Individuals and Households
Program (IHP) can help homeowners and renters affected by the disaster with housing needs and necessary expenses.
To be considered for IHP housing assistance, the affected home must be the individual's primary residence and it must be
located in the disaster area designated for Individual Assistance. To be considered for IHP assistance for necessary expenses
or serious needs, the loss must have occurred in the disaster area designated for Individual Assistance. An individual or a
pre-disaster member of the household must be a United States citizen, a non-citizen national or a qualified alien.
When a disaster is declared and Individual Assistance is authorized, affected individuals are directed to register with
FEMA and to make sure that the information they provide is complete and correct.
Registration can be done in the following ways:
- Telephone. Call the toll-free number 1-800-621-FEMA (3362). Speech- or hearing-impaired callers can use the
TTY number 1-800-462-7585
- Internet. Go to www.DisasterAssistance.gov
- At a shelter or Disaster Recovery Center, via a telephone. FEMA will begin using mobile registration intake units to
travel to areas where telephone service is not available.
CDBG-Emergency Assistance Program (CDBG-EAP)
The Community Development Block Grant Emergency Assistance Program (CDBG-EAP)
is a special
program the Wisconsin Department of Commerce, Division of Housing and Community Development (DHCD) activates to assist local units of
government that have recently experienced a natural or manmade disaster.
- Cities, towns, counties and villages within the 31 counties included in the federal disaster declaration.
- Residents of the municipality awarded CDBG-EAP funds may receive assistance if their dwelling was damaged by the disaster.
- Municipality will be required to give preference to those households with incomes at or below 80% of the county median.
- Public Infrastructure affected by natural disaster.
- Businesses which suffered damage to their structure or equipment and loss of revenue as a direct result of the disaster.
WHEDA Housing Assistance
Provides grants to assist with emergency housing needs. Grants usually go to Red Cross or Salvation Army to offset their
costs. Other types of housing resources can also be made available to individuals based on housing needs and the availability
of other resources. For more information please visit http://www.wheda.com/root/
Farm Services Agency (FSA) Emergency Loan Program
In order for a county to be eligible for
Farm Services Agency Emergency Loans
due to production loss, the entire county must have suffered at least a 30% loss of
normal production (5-year production average).
Individual farmers must also provide evidence of having suffered a qualifying severe physical loss, or a production loss of at
least 30% in any single basic farming enterprise (combinations of similar type crops or livestock enterprises).
There are three different types of declarations that can be made available, each having a particular application process, an
Administrator’s designation for physical losses only, a Secretarial designation for physical and production losses and a
Presidential Disaster Declaration. The Administrator’s Designation goes through USDA channels and they notify WEM that a
request is being made. The Secretarial Disaster requires a letter from the Governor to the Secretary of USDA, using data from
county USDA office. For the Presidential Declaration, the Governor must state in his letter to the President that he is requesting
USDA assistance, specifically the FSA Emergency Loan Program.
Small Business Administration Disaster (SBA) Loan Program
In any county or other political subdivision of the state, at least 25 homes or 25 businesses, or a combination of at least
25 homes, businesses, or other eligible institutions have each sustained uninsured losses of 40% or more of their estimated
fair replacement value or predisaster fair market value, whichever is lower; or at least three businesses have sustained
uninsured losses of 40% or more of their estimated fair replacement value or predisaster fair market value, whichever is
lower, and as a direct result of the physical damage, 25% or more of the work force in the community would be unemployed for
at least 90 days.
Low interest loans for homeowners, renters and businesses for real and personal property losses resulting from the disaster. Economic
Injury Loans are also available for businesses.
For more information visit
Disaster Assistance and Emergency Relief for Individuals and Businesses - Internal Revenue Service (IRS)
Special tax law provisions may help taxpayers recover financially from the impact of a disaster, especially when the federal
government declares their location to be a major disaster area. Depending on the circumstances, the IRS may grant additional
time to file returns and pay taxes. Individuals in a federally declared disaster area can get a faster refund by claiming losses
related to the disaster on the tax return for the previous year, usually by filing an amended return.
IRS - More Information
Public Assistance Grants
The objective of the Federal Emergency Management Agency's (FEMA) Public Assistance (PA) Grant Program is to provide
assistance to State, Tribal and local governments, and certain types of Private Nonprofit organizations so that
communities can quickly respond to and recover from major disasters or emergencies declared by the President.
Through the PA Program, FEMA provides supplemental Federal disaster grant assistance for debris removal, emergency
protective measures, and the repair, replacement, or restoration of disaster-damaged, publicly owned facilities and the
facilities of certain Private Non-Profit (PNP) organizations. The PA Program also encourages protection of these damaged
facilities from future events by providing assistance for hazard mitigation measures during the recovery process.
The Federal share of assistance is not less than 75% of the eligible cost for emergency measures and permanent restoration.
The grantee (usually the State) determines how the non-Federal share (up to 25%) is split with the subgrantees (eligible applicants).
For more information please go to FEMA’s Public Assistance Grant Program website at
Hazard Mitigation Grants
Wisconsin is vulnerable to a variety of disasters. The state has incurred disaster-related damages totaling nearly $3
billion in the last three decades, with almost half of that occurring in the '90's alone. These losses can be reduced through
mitigation activities. It is estimated that for every dollar spent on mitigation, $4 in future damages can be avoided ($5 for flooding).
Hazard mitigation breaks the cycle of damage and repair. Mitigation actions reduce or eliminate the long-term risk to human
life and property from hazards. These preventative actions can be simple such as elevating a furnace in a basement that sometimes
has water on the floor. Mitigation
can also have a
comprehensive approach such as relocating buildings out of the floodplain or strengthening critical facilities to prevent wind
damage and provide stronger shelter.
Flood Damage Aid Program
Funding is only available after an event occurs. Local match is required. Damage must be as a result of flooding. County highway
commissioners apply to DOT district offices.
Covers restoration of any damages to any roadway or roadway structure that is caused by flooding and is not on the State
Trunk Highway System. Also allows improvements made during repairs to help mitigate the future occurrence of similar damages.
For more information please visit http://www.dot.wisconsin.gov/localgov/highways/flood.htm.
Wisconsin Disaster Fund
This funding is made available when the state or counties are denied federal disaster assistance or do not meet the
federal eligibility criteria. Communities that meet an established per capita threshold in damages can request assistance
through the County Emergency
who applies to the Administrator of Wisconsin Emergency Management. Tribes can apply directly to WEM.
Funding is intended to help local and tribal governmental units recover from disasters. Grants are available on a
70/30 cost share basis for debris clearance, emergency protective measures and damage to road systems.