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Attachment 19 — Page 2 FEMA Guide to the Disaster Declaration Process — ASSISTANCE AVAILABLE— Not all programs,however;are activated for every expenses or serious needs and do not qualify for a low disaster. The determination of which programs are interest loan from Small Business Administration activated is based on the needs found during damage (SBA). These programs are designed to provide'funds assessment and any subsequent information that may for expenses that are not covered by insurance. They be discovered. are available only to homeowners and renters who are FEMAJEPR disasterassistance falls into three United States citizens,non-citizen nationals,or general categories: qualified aliens affected by the disaster. The following is a,list of the types of assistance available through this • Individual Assistance aid to individuals and program and what each provides. households, • Public Assistance—aid to public(and certain, Temporary Housing homeowners and renters receive funds to rent a different place to live or a private-non-profit)entities for certain emergency temporary housing unit when rental properties are not services:and the repair or replacement of disaster available. damaged public facilities, •` Hazard Mitigation Assistance funding for Repair-homeowners receive grants to repair damage measures designed to reduce future losses to from the disaster that is not covered by insurance.The public and private property. goal is to make the damaged home safe and sanitary. Some;declarations will provide only individual Replacement under rare conditions;;homeowners assistance or only public assistance.Hazard mitigation receive limited funds to replace their disaster damaged opportunities are assessed in most situations:. home. A summary of each of these programs follows. Because program complexities require lengthy Permanent Housing Construction-homeowners and explanations the discussion that follows is simply an renters receive direct'assistance or a grant for the overview. construction of a new home. This type of assistance occurs only in very unusual situations,in insular areas INDIVIDUAL ASSISTANCE or remote locations specified by FEMA/EPRwhere no other type of housing is possible. Individuals And Households Program Other Needs Assistance(ONA)-applicants receive grants for necessary and serious needs caused by the The;Individuals and Households Program(THP)is disaster. This includes medical,dental=funeral, a combined FEMA/EPR and State program.When personal property,transportation,moving and storage, major disaster occurs,this program provides money and other expenses that FEMAJEPR<approves.The and services to people in the;declared area whose homeowner may need to apply for a SBA loan before property has been damaged or destroyed and whose receiving assistance. losses are not covered by insurance. In every case,the disaster victim must register for assistance and Small Business Administration Disaster Loans establish eligibility. The toll-free telephone registration number is 1-800-621-FEMA(or TTY 1-800-462-7585 The U.S. Small Business Administration(SBA)can for the hearing or speech impaired) FEMA/EPR(or make federally subsidized loans to repair or replace the providing agency)will verify eligibility and need homes,personal property or businesses that sustained before assistance is offered. damages not covered by insurance. The Small Business What Types of Assistance Are Provided? Administration can provide three types of disaster loans to qualified homeowners and businesses: The lHP-Housing Assistance assures that people (1) home disaster loans to homeowners and renters whose homes are damaged by disaster have a safe to repair or replace disaster related damages to< place to live. The IHP-Other Needs Assistance home or personal property, (ONA)provides:financial assistance to individuals and households who have other disaster-related necessary (2) business physical disaster loans to business owners to repair or replace disaster-damaged 2 Indian River County Comprehensive Emergency Management Plan Annex IA- Page 51