U.S. flag
        An official website of the United States government
          Here’s how you know
        Here’s how you know
        world globe
        Languages
      EnglishEspañolFrançaisKreyòlTiếng Việt简体中文한국어 **Official websites use .gov** A **.gov** website belongs to an official government organization in the United States.
 **Secure .gov websites use HTTPS** A **lock** (
A locked padlock
) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
              .
  Apply for Assistance


                Toggle Menu

    close
            Disasters & Assistance
                  
                                                      Current DisastersCalifornia Severe StormsHermit's Peak/Calf Canyon FireMaine Severe StormsMichigan Severe StormsRhode Island Severe Storms (December 2023)Rhode Island Severe Storms (January 2024)Washington WildfiresWildfire ActionsWrangell Cooperative Association Severe StormAll Disaster Declarations
Assistance After a DisasterGovernments and Private Non-ProfitsIndividuals and Families
Tools to RecoverCommon RumorsDisaster Multimedia ToolkitDisaster-Related FAQFEMA in Your LanguageSave Your Family TreasuresVolunteer & Donate
General Disaster InformationSearch Your LocationHow a Disaster Gets DeclaredDisaster AuthoritiesHistoric DisastersGrants
                  
                                                      FEMA GrantsPreparedness GrantsHazard Mitigation Assistance GrantsResilience GrantsContinuing Training Grants ProgramEmergency Food and Shelter ProgramShelter and Services Program
Policy & GuidanceProcurement & Contracting"Buy America" PreferenceBipartisan Infrastructure LawLow-Carbon Goals2 CFR Policy Updates
ToolsAuthorized Equipment ListBenefit-Cost AnalysisEnvironmental & Historic Preservation GuidanceFEMA Grants Outcomes (FEMA GO)Grants Management Technical AssistanceNon-Disaster Grants Management SystemFloods & Maps
                  
                                                      Flood InsuranceFind an Insurance FormWork with National Flood InsuranceNFIP’s Pricing ApproachInsurance Outreach PublicationsRules and LegislationFlood Insurance Advocate
Floodplain ManagementManage Floodplain RiskGet Financial HelpCommunity Assistance Program for StatesCommunity Rating SystemFloodplains & Wildlife ConservationIntergovernmental Collaboration
Flood MapsFlood Data Viewers & Geospatial DataChange Your Flood Zone DesignationRisk MAPProducts and ToolsGuidance & ReportsCooperating Technical Partners
Know Your RiskHomeowners, Renters or Business OwnersCommunity OfficialsEngineers, Surveyors or ArchitectsReal Estate, Lending or Insurance ProfessionalsState, Local, Tribal or Territorial GovernmentsEmergency Management
                  
                                                      National PreparednessTraining & EducationNational Incident Management System (NIMS)National Planning FrameworksNational Preparedness GoalContinuity Resource ToolkitEquityExercises
Risk ManagementHazard Mitigation PlanningClimate ResilienceBuilding ScienceEarthquake RiskDam SafetyHurricane, Wind & Water Surge HazardsHazardous Response Capabilities
Tools for PractitionersIntegrated Public Alert & Warning System (IPAWS)Planning GuidesCommunity LifelinesEnvironmental Planning & Historic PreservationRecovery ResourcesCase Study LibraryPrepTalks
Individuals & CommunitiesPreparedness Activities, Research & WebinarsFaith-Based & Volunteer Partnership ResourcesYouth & Emergency PlanningCommunity Emergency Response Team (CERT)Activities to Reduce Risk for Your HomeAbout
                  
                                                      About UsHow FEMA WorksStrategic PlanOffices & LeadershipRegions, States & TerritoriesTribal AffairsHow to Pay FEMAHistory of FEMAContact Us
NewsroomBlogEventsFact SheetsFEMA LiveMobile ProductsNewslettersPress ReleasesPodcastSocial Media
Reports & DataAnnual ReportsData VisualizationsDisaster Relief Fund ReportsFEMA Guidance DocumentsGlossaryOpenFEMAResilience Analysis & Planning Tool
FEMA in ActionWe Are FEMADisaster ResilienceTwenty Years Later: 9/11Work With Us
                  
                                                      CareersBenefitsCareer PathsHow to ApplyRecruitment EventsFEMA Employee Resources
Business and OrganizationsDoing Business with FEMANational Business Emergency Operations Center
PartnershipsCommunity Disaster Resilience ZonesEmergency Manager ExchangeFederal Agency Mission AssignmentsResilient Nation Partnership NetworkApply for Assistance

world globe
        Languages
      EnglishEspañolFrançaisKreyòlTiếng Việt简体中文한국어  Rumor: Survivors can’t apply if they have insurance.
Fact
This is not true. If you have insurance, you can apply for FEMA assistance but you must file an insurance claim as well. FEMA cannot help with expenses your insurance might cover until you send us your insurance settlement or denial, but FEMA may able to assist with other losses insurance won’t cover. If insurance does not cover the entire cost of disaster-related expenses and your settlement was less than the maximum amount of money FEMA can provide for that loss, you may be eligible for FEMA assistance.



Visit the FAQ page for more information.
Related Links
    
      Return to the Common Disaster-Related Rumors page
Last updated August 18, 2023

            Return to top Disasters & Assistance
      
    
                  Grants
      
    
                  Floods & Maps
      
    
                  Emergency Management
      
    
                  About
      
    
                  Work With Us

Facebook

          Instagram


          Twitter

          YouTube

          LinkedIn

          Newsletter

        Contact FEMA

DHS logo
              FEMA.govAn official website of the U.S. Department of Homeland Security
          Accessibility
                Accountability
                Careers
                Civil Rights
                Contact Us
                FOIA
                Glossary
                No FEAR Act
                Plug-Ins
                Privacy
                Report Disaster Fraud
                Website Information
                DHS.gov
                USA.gov
                Inspector General