Changes in FEMA guidelines in 2025

The FEMA Act of 2025 aims to simplify the application process. It might take a while to hear back on your application. FEMA is facing decreased staffing and funding. 

While the appeals process is becoming more streamlined, you still need to:

• File your appeal within 60 days of the date on your FEMA decision letter
• Submit a written request. You can submit your request online as an uploaded document.

Legal aid can help you through the application and appeals processes. You can learn more about applying for help with MLSA under the 'Legal Help' section at the end of this article.

FEMA expanded the definition of eligible damage from a disaster. Now, it includes anything that prevents your home from being habitable. If the disaster made any pre-existing damage worse, it is eligible damage. For example, if you had a leaky roof before a disaster, you can get funding to make that repair.

Disaster coverage also includes accessibility-related items like ramps and grab bars. If you have a disability, you can use FEMA funds to rebuild your home to be more accessible after a disaster. 

It might take months before FEMA can do an in-person assessment of damaged property. FEMA now accepts documentation of damages from applicants. Disaster survivors should take photos and videos of the damage. You should also keep receipts of all repair work. Documenting all the damage from the disaster as soon as possible can speed up the application process. 

There is a new category of aid called displacement assistance. If you can't return to your home, you can get displacement assistance while you look for a new place. You'll get more flexible support for short-term costs, like staying in a hotel or with friends and family. Assistance is also available for survivors who don't have a fixed address.

FEMA is removing the barriers to critical needs assistance. After applying under an eligible disaster, you get a $750 payment. You can use this to help pay for food, clothing, or anything else you need.  You get the payment when the disaster meets FEMA's requirements for individual assistance. 

FEMA is no longer going door-to-door in disaster areas to provide assistance. If you have limited access to technology or communication, find the closest Disaster Recovery Center (DRC). DRCs are accessible facilities and mobile offices you can visit to learn more about FEMA and other disaster assistance programs. To find the closest DRC to you, use the DRC locator: FEMA.gov/DRC or through the FEMA app.