To be placed in a phase, homeowners must have met the following criteria:Owned and occupied the damaged home as primary residence at the time of disaster and still own the damaged homeMeet low-to-moderate income qualificationsFEMA Individual Assistance Program determined a structural loss of $3,000 or greater*Must not have received or expect to receive structural insurance payments greater than $50,000In addition, households in FEMA Direct Housing Programs are prioritized for phasing as well*The program phased homeowners who met the following criteria as reported by FEMA IA:FEMA inspected verified loss (FVL) or FEMA inspected verified loss of real property (RP__FVL) of $3,000 or greater, orFEMA inspected verified loss (FVL) of personal property damage of $3,500 or greater, orAt least one foot of FEMA inspected flooding on the first floor, orFEMA inspected verified loss repair and replacement assistance of $3,000 or greater