When disasters take place, the Individuals and Households Program (IHP) provides money and services to people in the disaster area when losses are not covered by insurance and property has been damaged or destroyed. IHP, funded by FEMA, is designed to help you with critical expenses that cannot be covered in other ways.
IHP will not cover all of your losses from damage to your property (home, personal property, household goods) that resulted from the disaster. IHP is not intended to restore your damaged property to its condition before the disaster. In some cases, IHP may only provide enough money, up to the program limits, for you to return an item to service. IHP does not cover business-related losses that resulted from the disaster. By law, IHP cannot provide money to you for losses that are covered by your insurance.
While some money is available through IHP, most disaster aid from the federal government is in the form of loans from the Small Business Administration (SBA) that must be repaid. Applicants to IHP may be required to seek help from SBA first, before being considered for certain types of IHP help. You do not have to submit an SBA loan application to be considered for FEMA rental assistance.
For more information, contact Emergency Management at (812) 358-6110.