There is More Than Just Loans Abailable From FEMA.

IMPORTANT: There Is More Available Than Just Low-Interest Loans

Some residents are circulating a rumor that the only flood relief FEMA is offering to residents is in the

form of low-interest loans. THIS IS NOT TRUE. Depending upon each resident’s eligibility, there may

also funding available in the form of grants (that may not need to be paid back) – and these opportunities

are available to both homeowners and renters.

The only way to determine if you are eligible to receive any FEMA/Federal funding is to complete

and submit an application to FEMA for assistance. That process is described in the paragraph below,

titled “Residents/Business Owners May Now Apply for Federal Assistance.”


If you apply to FEMA for assistance within the 60-day window (60 days from the September 25

Presidental Disaster Declaration), you may qualify to receive FEMA grant funding to help offset your

losses. However, if you do not apply (because you believe the only assistance available is in the form of a

loan), it is guaranteed that you will miss out on the opportunity.

Displaying Grant vs. Loan Notice.doc.

‪#‎flood2014drbnhgts‬ ‪#‎flood2014‬ ‪#‎dearbornheights‬


2 thoughts on “There is More Than Just Loans Abailable From FEMA.”

  1. From FEMA website,

    Read get informed and and make the best decision based on accurate information.

    All information related to FEMA assistance should be posted on DH city website and disseminated on DH social media IE. Facebook page, or on you tube as a short video clip by city officials explaining the assistance process.

    Thanks to this blog for facilitating this important public information.

    “Federal Aid Programs for the State of Michigan Declaration

    Main Content
    Release date: SEPTEMBER 25, 2014
    Release Number: HQ-14-080-FactSheet
    Following is a summary of key federal disaster aid programs that can be made available as needed and warranted under President Obama’s disaster declaration issued for the state of Michigan.

    Assistance for Affected Individuals and Families Can Include as Required:

    Rental payments for temporary housing for those whose homes are unlivable. Initial assistance may be provided for up to three months for homeowners and at least one month for renters. Assistance may be extended if requested after the initial period based on a review of individual applicant requirements. (Source: FEMA funded and administered.)
    Grants for home repairs and replacement of essential household items not covered by insurance to make damaged dwellings safe, sanitary and functional. (Source: FEMA funded and administered.)
    Grants to replace personal property and help meet medical, dental, funeral, transportation and other serious disaster-related needs not covered by insurance or other federal, state and charitable aid programs. (Source: FEMA funded at 75 percent of total eligible costs; 25 percent funded by the state.)
    Unemployment payments up to 26 weeks for workers who temporarily lost jobs because of the disaster and who do not qualify for state benefits, such as self-employed individuals. (Source: FEMA funded; state administered.)
    Low-interest loans to cover residential losses not fully compensated by insurance. Loans available up to $200,000 for primary residence; $40,000 for personal property, including renter losses. Loans available up to $2 million for business property losses not fully compensated by insurance. (Source: U.S. Small Business Administration.)
    Loans up to $2 million for small businesses, small agricultural cooperatives and most private, non-profit organizations of all sizes that have suffered disaster-related cash flow problems and need funds for working capital to recover from the disaster’s adverse economic impact. This loan in combination with a property loss loan cannot exceed a total of $2 million. (Source: U.S. Small Business Administration.)
    Loans up to $500,000 for farmers, ranchers and aquaculture operators to cover production and property losses, excluding primary residence. (Source: Farm Service Agency, U.S. Dept. of Agriculture.)
    Other relief programs: Crisis counseling for those traumatized by the disaster; income tax assistance for filing casualty losses; advisory assistance for legal, veterans’ benefits and social security matters.
    How to Apply for Individual Assistance:

    Affected individuals and business owners in designated areas can begin the disaster application process by registering online at, by calling 1-800-621-FEMA (3362) or by using a web-enabled mobile device to visit Disaster assistance applicants who have a speech disability or hearing loss and use TTY should call 1-800-462-7585 directly; those who use 711 or Video Relay Service (VRS) should call 1-800-621-3362. The toll-free telephone numbers will operate from 7 a.m. to 9 p.m. (local time) seven days a week until further notice. Applicants registering for aid should be prepared to provide basic information about themselves (name, permanent address, phone number), insurance coverage and any other information to help substantiate losses.
    Assistance for the State and Affected Local and Tribal Governments Can Include as Required:

    Payment of not less than 75 percent of the eligible costs for debris removal and emergency protective measures taken to save lives and protect property and public health. Emergency protective measures assistance is available to state and eligible local governments on a cost-sharing basis. (Source: FEMA funded, state administered.)
    Payment of not less than 75 percent of the eligible costs for repairing or replacing damaged public facilities, such as roads, bridges, utilities, buildings, schools, recreational areas and similar publicly owned property, as well as certain private non-profit organizations engaged in community service activities. (Source: FEMA funded, state administered.)
    Payment of not more than 75 percent of the approved costs for hazard mitigation projects undertaken by state and local governments to prevent or reduce long-term risk to life and property from natural or technological disasters. (Source: FEMA funded, state administered.)
    How to Apply for Public Assistance:

    Application procedures for state and local governments will be explained at a series of federal/state applicant briefings with locations to be announced in the affected area by recovery officials. Approved public repair projects are paid through the state from funding provided by FEMA and other participating federal agencies.

    FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain and improve our capability to prepare for, protect against, respond to, recover from and mitigate all hazards.

    Follow FEMA online at,, and Also, follow Administrator Craig Fugate’s activities at

    Related Content:
    President Declares Disaster for Michigan
    Last Updated: September 25, 2014 – 15:20
    State/Tribal Government or Region:
    Related Disaster: Michigan Severe Storms and Flooding”


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